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Life insurance – Boursorama Banque











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Accessible from 300 euros
and free of charge(1)



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Reserved for customers holding a
Boursorama Banque Bank Account.

THIS CONTRACT PRESENTS A RISK OF CAPITAL LOSS

(1) The contract includes annual management fees specified in the Information Notice, equivalent to the General Conditions of the Boursorama Vie contract.


Enter the private circle of high-end financial management, no additional cost !

What is Piloted Management?

  • The Managed management is aimed at those who wish to benefit, through their insurer, from the expertise of the management company Edmond de Rothschild Asset Management (France) for the management of their savings.
  • Depending on your investor profile, you will opt for one of the proposed management mandates ranging from the defensive mandate favoring funds in euros and limiting exposure to financial market fluctuations to the offensive mandate on which priority will be given to investment. in actions.

The advantages of piloted management

  • A delegated management method no additional cost.
  • 0% charge on all your payments.
  • Arbitrations carried out by Generali Vie on the advice of Edmond de Rothschild Asset Management (France) are completely free.

Investing in unit-linked media bears a risk of capital loss since their value is subject to upward and downward fluctuations depending in particular on the evolution of the financial markets. The insurer undertakes on the number of units of account and not on their value which it does not guarantee. The contract has an annual management fee.

Choose your management mandate

Opt for one of the proposed management mandates that can best suit your investor profile, ranging from the defensive mandate favoring funds in euros and limiting exposure to fluctuations in financial mandates to the offensive mandate on which the priority will be given to equity investment.

Past performance is no guarantee of future performance and is not constant
in time.

Investment in unit-linked media carries a risk of capital loss
since their value is subject to upward and downward fluctuation depending in particular
developments in financial markets.

The insurer commits to the number of units of account and not to their value that it does not guarantee
not.

Total flexibility

  • No time commitment.
  • Set up your scheduled free payments.
  • You can, at any time, easily and at no cost *, change your management mandate or return to Free Management.
  • Consult management reports, analyzes and market reports online.

A multi-manager offer

  • Management companies recognized for their expertise: such as BlackRock IM, Carmignac Gestion, Axa IM, Amundi, DWS Investment, but also Pictet Funds, Goldman Sachs, Société Générale or Schroder IM etc.

* The contract includes annual management fees specified in the Information Notice being the General Condition of the Boursorama life contract

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Managed management mandates that have proven themselves

The performances of the Managed Management already have 10 years of history!

Past performance is no guarantee of future performance and is not constant
in time.

(1) Actual performance provided by Generali Vie, net of contract management costs, net of costs specific to unit-linked support, excluding tax and social security contributions.
Calculated performance of 09/30/2009 to 09/30/2019.

Performance is calculated on the basis of theoretical benchmarks. The performance of a member may therefore deviate from it, sometimes significantly in terms of composition and therefore performance for the following reasons (non-exhaustive list): recent membership, change of mandate, payment / redemption.

(2) Performance provided by Generali Vie, net of contract management costs, net of costs specific to unit-linked support, excluding tax and social security contributions.
Annualized performance: performance observed each year for 10 years (from 09/30/2009 to 09/30/2019) then averaged.

Performance is calculated on the basis of theoretical benchmarks. The performance of a member may therefore deviate from it, sometimes significantly in terms of composition and therefore performance for the following reasons (non-exhaustive list): recent membership, change of mandate, payment / redemption.

Managed Management MandatesPerformance over 10 years
from 09/30/2009 to 09/30/2019(1)
Annualized Performance
over these 10 years(2)
Defensive Mandate41.04%3.51%
Balanced Mandate58.52%4.71%
Dynamic Mandate72.12%5.58%
Offensive Mandate82.55%6.20%

Choose your funds
in complete autonomy!

What is Free Management?
Free Management is aimed at those who have good financial knowledge and who wish to take control of the management of their life insurance contract.
You are thus free to choose what share of funds in euros and unit-linked funds will make up your allocation, and on which unit-linked vehicles you will invest.

The advantages of Free Management
• Total freedom: you decide on the distribution between the fund in euros and the units of account, depending on your objectives and your current strategy.

• Great flexibility: you can modify the composition of your investment at any time by carrying out arbitrations from your Client Space. You can thus transfer all or part of your savings from the euro fund to the media of your choice.

Investing in unit-linked media bears a risk of capital loss since their value is subject to upward and downward fluctuations depending in particular on the evolution of the financial markets. The insurer undertakes on the number of units of account and not on their value which it does not guarantee.

The Boursorama Bank advantages

  • An ultra-dynamic multi-media offer, selected from recognized management companies.
  • All your operations that can be carried out online (according to the terms and conditions specified in the Information Notice serving as General Conditions):
    Arbitrations, Partial redemptions within 72 hours (provided that a French bank account has been previously registered with the insurer
    in the absence of a beneficiary accepting or placing under guarantee of the contract and excluding the Collective Real Estate Placement Organization).
  • Ultra competitive pricing: no entry and payment fees as well as all your free online arbitrations (excluding management options).

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Reserved for customers with a Boursorama Banque Bank Account.

Funds in euros / Media


Euro Exclusive: The mainly real estate fund in euros

• + 1.55% in 2019 on the Euro Exclusive Euro fund.

Details of conditions

Eurossima
One of the best euro funds on the market!

  • You benefit from a security of your invested capital on funds in euros, less management fees.
  • The Eurossima fund (without Unit of Account conditions) benefited from attractive performance as demonstrated by the historical performance of this fund.
  • Historic performance
Eurossima Fund
20122013201420152016201720182019
3.42%3.35%2.97%2.75%2.25%1.77%1.65%1.15%

Past performance is no guarantee of future performance and is not constant over time.

An offer
multi-manager

Ultra dynamic unit-linked support, selected from the most recognized management companies:

  • More than 400 media selected from prestigious management companies, including 3
    OPCI, 1 SCPI and 38 securities (CAC40 shares).

  • Various sectors of activity and geographic areas. Complete information that will allow you to select the most suitable media (historical charts, Morningstar stars, etc.).

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Reserved for customers with a Boursorama Banque Bank Account.

Investing in unit-linked media bears a risk of capital loss since their value is subject to upward and downward fluctuations depending in particular on the evolution of the financial markets. The insurer undertakes on the number of units of account and not on their value which it does not guarantee.


A product
recognized by the press


Gold Trophy for the best life insurance contracts distributed on the internet.

Source: Le Revenu – Edition April 2020 Detail


Gold Trophy for Best Contracts in Euros.

Source: Le Revenu – Edition April 2019 Detail


Live Better Your Money 2020 Life Insurance Grand Prize
mention well in the Multisupports category with a score of 15.81 / 20

Source: Better Living Your Money – May 2020 Edition Detail

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Reserved for customers with a Boursorama Banque Bank Account.

Your daily contract

Management
100% online

With Boursorama Banque, you manage your
efficient and transparent way:

  • Join and directly carry out transactions such as arbitrations, the
    free payments and the scheduled free payments.
  • Consult your contract, the history of operations.
  • Follow daily the performance of the media on which your
    savings are invested.

The terms of subscription and 100% online management are specified in the
General conditions of the Boursorama Vie contract.

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Reserved for customers with a Boursorama Bank Account
Bank.

Options
dynamic management

Scheduled free payments:
You build up capital at your own pace by making regular payments on your contract, for a pre-defined amount and frequency.

Partial scheduled redemptions (= withdrawals):
(As part of free management)
You supplement your income by regularly withdrawing a predefined amount from your euro fund.

Scheduled arbitrations (= transfers):
(As part of free management)
You transfer all or part of your savings from the euro fund to the media of your choice at regular intervals.

The option “boosting capital gains” (funds in euros):
(As part of free management)
Each year, you automatically invest the profit participation realized on the fund in euros on the other unit-linked vehicles of your contract to benefit from the dynamism of the stock market while preserving your capital invested in the fund (s) in euros.

The “security of capital gains” option (live funds):
When you have reached the pre-determined capital gain rate, you automatically transfer this capital gain to the euro fund and thus protect it.

Investing in unit-linked media bears a risk of capital loss since their value is subject to upward and downward fluctuations depending in particular on the evolution of the financial markets. The insurer undertakes on the number of units of account and not on their value which it does not guarantee.

Provident guarantees
to protect your capital


Floor warranty
In the event of death before the contract expires, the capital paid to the beneficiary (ies) is at least equal to the sum of the gross payments made (even if you are in capital losses) less any redemptions, advances and interest not reimbursed, and within the limit of a capital at risk of € 300,000.
This guarantee ends on 75e birthday of the insured.

Indexed floor guarantee
Same minimum guarantee but the capital paid to the beneficiary (ies) is at least equal to the sum of the gross payments made (even if you are in capital losses) indexed on the basis of an annual rate of 3.5% less any redemptions, advances and unreimbursed interest, and within the limit of a capital at risk of € 300,000.

Universal life guarantee
The Member / Insured determines within the framework of this guarantee the amount of capital including the reached value that will be paid to the designated Beneficiary (s) in the event of the death of the Insured (s). . This guarantee ends on 75e birthday of the insured.

Whole life guarantee (subject to medical acceptance)
Ditto universal life guarantee but continues beyond 75e birthday of the insured, within the limit of a capital at risk of € 500,000 in accordance with the terms specified in the Information Notice serving as General Conditions.

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Reserved for customers with a Boursorama Banque Bank Account.

Securities present a risk of capital loss; any investment must be considered in the medium or long term.
Boursorama is registered with the Organization for the Register of Insurance Intermediaries under number 07 022 916 as an insurance broker.
Boursorama Vie, group life insurance contract with individual and optional membership denominated in euros and / or unit of account, insured by Generali vie, a company governed by the Insurance Code.
The key contract information document contains the essential information of this contract. You can obtain this document from your broker or by going to the site www.generali.fr

Questions
to become a customer?

Toll free number: 0 800 16 90 75