Insurance

Best life insurance 2022: the 4 mutual insurance policies awarded by Le Revenu

Mutual insurance companies, undoubtedly one of the best networks in which to take out life insurance, offer accessible and effective contracts. Discover Le Revenu’s four 2022 Gold Trophy contracts.

Due to their special status, mutuals are often close to their customers and their savings aspirations. For many years, they have managed to impose themselves on the life insurance market with simple, accessible and attractive contracts in terms of financial performance.

Among all the very interesting files returned by the mutualist groups, the drafting of Revenue in 2022 awards four contracts, all accustomed to the Golden Trophies of Revenue.

Their common point? These contracts play the card of both a fund in euros with a return that is often well above average and a good selection of financial funds. Result: remarkable performance for the ideal distribution recommended by Income which make up to +10% for the cautious profile in 2021.

Discover below the characteristics of the four contracts as well as the ideal allocation of funds to buy for both the conservative profile (20% units of account) and the balanced profile (40% units of account).

Future Free Savings Account (CELA)

Insurer: MIF – Distributor: MIF

The multisupport contract (CELA) of the mutual MIF has everything to please: simple, accessible (100% possible payment on the fund in euros up to 40,000 euros for secure profiles), with reduced costs and a return of + 1.7% in 2021 for its euro fund. The range of units of account is expanding with good equity funds and real estate funds.

Cautious profile Balanced profile
Performance 3 years +14.7% +24.5%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
CPR Dynamic Growth (FR0010097642) 4% 8%
Carmignac Heritage (FR0010135103) 4% 8%
Chessboard World Equities Growth (FR0010859769) 4% 8%
OFI Invest American Equities (LU0185495495) 4% 8%
Schroder ISF Global Emerg Mk Opps (LU0279459456) 4% 8%

KEY FIGURES

– Creation date……………………. 2006

– Number of subscriptions…………… 50,139

– Outstanding contract………………..….1.53 billion euros

– Minimum subscription ………… 500 euros

COSTS

– Payment (maximum rate): ………0% if>30% of units of account

– Management of the fund in euros…………. 0.60%

– Management of units of account………0.60%

– Arbitrage……………..Free towards units of account (1% towards the fund in euros)

FUND RETURN IN EUROS

– 2021……..+1.70%

– 2020……..+1.70%

– 2019……..+1.95%

– 2018……..+2.35%


Curator Helios Heritage

Insurer: Le Conservateur – Distributor: Agents Le Conservateur

Accustomed to our Trophies, the Curator’s Helios Patrimoine contract remains a safe bet. It has a wide range of funds selected from numerous management companies, a guarantee of pluralism. The yield of the fund in euros, endowed with solid reserves, is enhanced according to the outstanding amount of the contract and the share of units of account. It served up 2.6% in 2021, up slightly.

Cautious profile Balanced profile
Performance 3 years +14.6% +23.7%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Fidelity World (LU1261432659) 4% 8%
CPR Reactive Growth (FR0010097683) 4% 8%
Oddo BHF Future (FR0000989899) 4% 8%
Interval (FR0010564229) 4% 8%
EdR Tricolor Yield (FR0010588343) 4% 8%

KEY FIGURES

– Creation date……………………. 2011

– Number of subscriptions…………… 53,684

– Outstanding amount of the contract………………..…2.27 billion euros.

– Minimum at subscription ………… 1,000 euros

COSTS

– Payment (maximum rate)………….3% (0.76% average)

– Management of the fund in euros…………. 0.96%

– Management of units of account………0.96%

– Arbitration……………………………..1.50%

FUND RETURN IN EUROS

– 2021……..+1.10% to +2.60%

– 2020…….+1% to +2.50%

– 2019……..+1.10% to +2.90%

– 2018……..+2.05% to +3%


RES Multisupport

Insurer: MACSF – Distributor: MACSF

The RES Multisupport contract has become a market benchmark. It knows how to evolve over time with a range of short, efficient and constantly renewed units of account, and stands out for its remarkable fund in euros (+2.1% in 2021). Its management fees are among the lowest on the market, but you have to pay entry fees, which are sometimes reduced during promotional campaigns.

Cautious profile Balanced profile
Performance 3 years +14.9% +24.7%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
DWS Main Dividends (DE000DWS2PA1) 4% 8%
Medi Real Estate (FR0010236778) 4% 8%
Pictet-Global Megatrend Selec. (LU0386882277) 4% 8%
JPM US Select Equity Plus (LU0281483569) 4% 8%
Sycamore Selection Res. (FR0013076452) 4% 8%

KEY FIGURES

– Creation date……………………. 2005

– Number of subscriptions…………… 259,443

– Outstanding contract……………..….12.38 billion euros

– Minimum at subscription ………… 200 euros

COSTS

– Payment (maximum rate)………….3% (funds in euros) 1% (UA)

– Management of the fund in euros…………. 0.50%

– Management of units of account………0.50%

– Arbitrage……………..Free towards CUs (1) (2% towards the fund in euros)

FUND RETURN IN EUROS

– 2021……..+2.10%

– 2020……..+1.55%

– 2019……..+1.70%

– 2018……..+2.20%


Winalto

Insurer: Maaf Vie – Distributor: Maaf

For more than fifteen years, the Winalto contract has proven itself. Alongside its fund in euros (+1.5% in 2021) which delivers an above-average return each year, it offers a short but effective range of units of account. Note, the minimum guarantee and accidental death without additional cost which encourages you to diversify your contract in stock market funds.

Cautious profile Balanced profile
Performance 3 years +15.8% +27.3%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Covéa Actions World (FR0000939845) 4% 8%
Covéa Solidarity Actions (FR0010535625) 4% 8%
Covéa Actions France (FR0000289381) 4% 8%
Covéa Actions Europe (FR0000985368) 4% 8%
Covéa Actions America (FR0000934937) 4% 8%

KEY FIGURES

– Creation date……………………. 2006

– Number of subscriptions…………… 323,963

– Outstanding contract………………..….6.69 billion euros

– Minimum at subscription ………… 300 euros

COSTS

– Payment (maximum rate)………….2%

– Management of the fund in euros…………. 0.60%

– Management of units of account………0.60%

– Arbitration……………..0.50% (1 free per year)

FUND RETURN IN EUROS

– 2021……..+1.50%

– 2020……..+1.65%

– 2019…….+1.75%

– 2018……..+1.85%

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