Here are the life insurance contracts whose characteristics and conditions of access we list. These are, in the majority, contracts accessible from the internet and without payment costs, but also some mutual or asset contracts.
From this comparison, you can consult the different contracts, compare them with each other, and choose the most interesting according to your situation and your objectives.
List of contracts
|Contract||Euro funds||Unit-linked funds|
|Fortuneo Life 200 euros offered||1.60%2.40%|
|Darjeeling 350 euros offered||1.30% +|
|Future Power 350 euros offered||1.60%2.40%|
|Yomoni Essential 350 euros offered||1.60%|
|My Liberty Investments 150 euros offered||1.50%2.40%|
599 fundsUCITSTrackerImmovableBright title
|M Life Retirement||1.60%2.40%|
|Evolution Life 350 euros offered||1.76%|
|My retirement investments 200 euros offered||1.60%2.40%|
549 fundsUCITSTrackerImmovableBright title
625 fundsUCITSTrackerImmovableBright title
|Power Slection||1.20% +1.20%|
|Titles @ Life||1.30% +|
609 fundsUCITSTrackerImmovableBright title
213 fundsUCITSTrackerImmovableBright title
|Kapital-direct 350 euros offered||1.15%1.20% +|
|Altaprofits Life||1.15%1.20% +|
515 fundsUCITSImmovableBright title
|Linxea Zen||1.25% +1.70%|
|ING life insurance||1.15%1.20% +|
384 fundsUCITSTrackerBright title
|Linxea Vie||1.15%1.20% +|
|Himalia contract||(0.01%)1.00% +2.00%2.00%|
|Binck Vie||1.15%1.20% +|
350 fundsEurogrowthUCITSTrackerBright title
|Carac savings account||1.80%||(single support contract)||Info|
|Avenir Libre Avenir Account||1.95%|
338 fundsUCITSTrackerImmovableBright title
|My Life Sentinel||1.20% +1.20%|
|Heritage Premium||1.35% +|
|Curator Helios Slection||1.80%|
|MIF Horizon Euroactif||1.95%|
|Monabanq Vie Premium||1.15%1.20% +|
6 fundsUCITSImmovableBright title
|Contract||Payment fees||Management fees||Arbitration costs on demand|
|Fortuneo Life 200 euros offered||0%||of 0.60% 0.75%||Free|
|Darjeeling 350 euros offered||0%||0.60%||Free||Info|
|Future Power 350 euros offered||0%||0.60%||Free||Info|
|Yomoni Essential 350 euros offered||0%||0.60%||Free||Info|
|My Liberty Investments 150 euros offered||0%||of 0.50% 0.70%||Free|
|M Life Retirement||0%||0.60%||Free||Info|
|Primonial SrniPierre||5%||of 0.80% 0.95%||15 |
minimum (0.8% of the amount arbitrated)
|Evolution Life 350 euros offered||0%||0.60%||Free||Info|
|My retirement investments 200 euros offered||0%||0.60%||Free||Info|
|NetLife||0%||of 0.70% 2%||Free |
|Linxea Spirit||0%||of 0.50% 0.70%||Free|
|Target Plus||5%||of 0.80% 0.95%||1%||Info|
|Power Slection||0%||of 0.60% 0.75%||Free|
(except for trackers, 0.10%)
|Titles @ Life||0%||0.60%||Free|
|BforBank life||0%||of 0.60% 0.85%||Free||Info|
|Kapital-direct 350 euros offered||0%||of 0.60% 0.75%||Free||Info|
|Altaprofits Life||0%||of 0.75% 0.84%||Free||Info|
|Linxea Zen||0%||of 0.60% 4%||Free||Info|
|ING life insurance||0%||of 0.75% 0.85%||Free||Info|
|Linxea Vie||0%||of 0.60% 0.75%||Free||Info|
|Himalia contract||4.50%||of 0.90% 1.20%||1% |
|EasyVie||0%||of 0.75% 0.85%||Free|
|Carac savings account||2.44%||0.55%||(not applicable)||Info|
|Avenir Libre Avenir Account||2%||of 0.35% 0.60%||Free|
to UCs (1% to funds in euros)
|saving evolution||0%||of 0.50% 2%||Free|
|My Life Sentinel||0%||of 0.60% 0.85%||Free||Info|
|Curator Helios Slection||3%||of 0.60% 0.96%||0.50%||Info|
|Gaipare Selectissimo||3.95%||of 0.60% 1%||0.50%|
online, otherwise 1% of the amount arbitrated (1 free per year)
|MIF Horizon Euroactif||2%||of 0.35% 0.60%||(not applicable)||Info|
|Monabanq Vie Premium||0%||of 0.75% 0.80%||Free||Info|
|Carac Profilo||3.50%||of 0.70% 0.90%||1%|
(1 free arbitration per year)
22 promo offers
|Life insurance contracts||Offer in force|
|Fortuneo Life||200 euros offered for a first membership (until 05/05/2020)||See the offer|
|Future Power||Up to 350 welcome bonus (until 05/05/2020)||See the offer|
|Darjeeling||Up to 350 euros subscription (until 04/30/2020)||See the offer|
|My Liberty Investments||Up to 150 euros offered opening (until 05/31/2020)||See the offer|
|Yomoni Essential||Up to 350 euros offered for a subscription (until 02/06/2020)||See the offer|
|M Life Retirement||Reduced costs and efficient euro funds||See the offer|
|Primonial SrniPierre||2.80% on the Scurit Pierre Euro fund in 2019||See the offer|
|Evolution Life||Up to 350 offered on Evolution Life (until 06/01/2020)||See the offer|
|My retirement investments||150 or 200 euros free membership (until 04/30/2020)||See the offer|
|NetLife||Reduced fees and 2.40% in 2019||See the offer|
|Target Plus||3.15% in 2019 and reduced payment costs||See the offer|
|Linxea Spirit||2019 performance: up to 2.40% for the Spirica euro fund||See the offer|
|Power Slection||Up to 1.70% on the euro fund in 2019||See the offer|
|Linxea Avenir||2.40% in 2019 and reduced costs||See the offer|
|Futura Vie||Rich real estate offer and reduced costs||See the offer|
|Titles @ Life||Up to 3% in 2019 and reduced costs||See the offer|
|BforBank life||Up to 2.40% in 2019 on euro funds||See the offer|
|Kapital-direct||Up to 350 in gift vouchers (until 04/30/2020)||See the offer|
|Altaprofits Life||Up to 5.55% in pilot management over 3 years||See the offer|
|ING life insurance||Netissima funds up to 1.70% net return in 2019||See the offer|
|Linxea Zen||Reduced costs and 1.25% in 2019 on the Apicil euro fund||See the offer|
|Boursorama Vie||1.55% in 2019 on the Boursorama euro fund||See the offer|
What does this comparison contain?
When it comes to choosing a life insurance policy, you should not only refer to the performance of your fund in euros, which can fluctuate from year to year. Other criteria must also be taken into account: contract accessibility, management options, risk aversion This page will allow you to access a wide range of indicators that will help you make a choice.
In order to facilitate the comparison of these contracts, you can filter life insurance according to ten criteria. It is for example possible to display only the contracts allowing to place all of your savings on funds in euros. An essential criterion if you do not want to take any risks. On the other hand, if you want to invest via your life insurance in supports potentially having higher performances but whose capital is not guaranteed, by selecting euros funds + units of account, you will display all the multi-support contracts.
You can also filter the contracts according to the desired management mode. Savers wishing to entrust a professional with monitoring their contract will select pilot management. Those who do not want to follow their life insurance closely, or opt for an arbitration mandate will prefer profile management. Finally, autonomous savers will be able to select the contracts allowing free management.
Other criteria such as the type of media available (UCITS, tracker, real estate, certificate, live security and Eurogrowth fund), entry ticket or even the form of the contract will allow you to refine your selection.
How to choose your life insurance plan?
Here are the key points to consider before purchasing a life insurance policy:
Method of contract management
The first criterion for selecting a life insurance contract is how it is managed. Do you need a contract where you will choose the investments between the various media offered? This is the free management available as standard on most contracts. Or do you prefer profile management more often, a distribution of funds proposed according to the level of risk chosen or pilot management also called management under mandate a specialist manager orienting savings according to a mandate according to market conditions?
If you opt for free management, it may be useful for the contracts to include steering options, also called automatic arbitrage (securing, progressive investment, boosting capital gains, etc.). Investors can thus refine their strategy: schedule arbitrations according to whether they wish to increase the amount invested in units of account or, on the contrary, secure their savings towards a fund in euros.
The management methods are specified in the Management methods tab or on the sheet for each contract. The steering options are indicated in the Automatic arbitration tab and also on the sheet dedicated to each contract.
With life insurance, the investment horizon is often at least 8 years, the current deadline for obtaining, in the event of withdrawal, both an abatement on contract income and reduced tax rates.
But nothing prevents you from recovering your capital before this 8 years mark. Income (for contracts opened since the end of 2017) will then be subject to the 30% flat-tax, as for other capital income.
More info on life insurance taxation
The investment horizon can also be much further (10 years and more) if the contract is opened with a view to obtaining an additional income for retirement or with the aim of passing on a longer chance. The choice of insurer and distributor is therefore essential, especially since it is impossible to transfer his contract later.
Life insurance fees
The level of contract fees is one of the important points to consider when choosing a contract:
- Entrance fees. These costs mainly exist on association contracts and correspond to association membership costs.
- Payment fees. This is a percentage (up to 5%) taken from each payment. They are found on the traditional contracts of insurers underwritten, in particular via wealth management advisers or banks. 100% internet contracts do not charge payment fees.
- Management fees. On the funds in euros, they are almost transparent, the performance being always communicated net of these management fees. Unit-linked funds also have various internal management fees which are included in the net asset value. But insurers add their own support management costs by reducing the number of shares. Thus, the same support will be more or less profitable depending on the fees applied by each contract.
- Arbitration costs. These are the fees applied when sums are divested from one medium to be reinvested in another. They can be of a fixed amount or calculated by a percentage of the amount arbitrated. They can also be free for one, several, or all of the year's arbitrations. Note that some distributors prefer to charge higher management fees and not to invoice arbitrations.
- Transaction fees. These are additional fees that are charged for fund subscriptions outside the classic Sicav or FCP. They are found in particular for transactions in units of real estate funds, on trackers (ETF), on certificates or even shares.
Learn more about life insurance fees
The Fees tab provides an overview of the fees for each contract (payment fees, management fees and request arbitration fees). Other costs are specified on the sheet for each contract.
The choice of a life insurance also involves the comparison of the conditions of food and exit from the contract. Indeed, for certain contracts, the minimum amount of partial payment or withdrawal may be of a fairly high level. To give you an idea of the accessibility of a contract, we indicate here the minimum initial payment necessary to open it – its entry ticket in the insurance jargon – which can vary from one ten according to life insurance.
This information is accessible from the Management methods tab and is specified on the sheet for each contract.
Collective or individual contract
Contracts can take two forms. They are either collective (sometimes referred to as group contracts), or individual. In the first case, the distributor takes out the contract himself with the insurer before proposing it to the savers. It therefore has control over its operation, its general conditions and the fees charged. The distributor remains the intermediary between the saver and the insurer.
On an individual contract, the investor takes out life insurance directly with the insurer, through the distributor. In theory, the contract can only be modified after the agreement of the subscriber.
To read on this subject: what differences between individual and collective contracts?
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