No entry fees, reduced management fees and an often varied and original financial offer: the life insurance contracts of Internet brokers are increasingly attractive. In 2022, Le Revenu awarded a Gold Trophy to eight Internet contracts that are worth seeing.
Twenty years ago, the first Internet brokers and online banks entered the online life insurance market. Since then, they have largely imposed their code on the market, in particular by proposing the absence of entry fees.
With their contracts at reduced costs, accessible and often very innovative in terms of financial offers, they are attracting an increasingly large target of savers. Despite their 100% digital approach, they do not forget human contact and their teams of experts easily respond to requests for information on heritage or financial issues.
In 2022, the editorial staff of Income awarded a Gold Trophy to eight life insurance contracts sold by an internet broker or an online bank. Discover them below as well as the funds to buy according to the “ideal allocations” recommended by Le Revenu (prudent profile with 20% units of account and balanced profile with 40% units of account).
The 8 best contracts offered on the Internet
BforBank Life
Insurer: Spirica – Distributor: BforBank
This contract insured by Spirica offers several guaranteed funds accessible subject to payment of at least 25% in units of account. Alongside the historic dedicated Dolcea Vie fund in euros (+1.35%), there is the New Generation euro fund with partial guarantee (+1.65%). In free management, about fifty supports are available.
| Cautious profile | Balanced profile | |
| Performance 3 years | +12.6% | +21% |
| Funds to invest in | Weight of each fund by type of profile | |
| Euro funds | 80% | 60% |
| Centifolia (FR0007076930) | 4% | 8% |
| EdR Tricolor Yield (FR0010588343) | 4% | 8% |
| Pictet-Eau (LU0104885248) | 4% | 8% |
| Oddo BHF Future Euro (FR0000990095) | 4% | 8% |
| Amundi Emerging Actions (FR0010188383) | 4% | 8% |
KEY FIGURES
– Creation date……………………. 2009
– Minimum at subscription ………… 1,000 euros
COSTS
– Payment (maximum rate)…………No charge
– Management of the fund in euros………….0.60%
– Management of units of account………0.85%
– Arbitrations……………………………Free
FUND RETURN IN EUROS
– 2021……..+1.35%
– 2020……..+1.35%
– 2019……..+1.65%
– 2018……..+2.10%
Boursorama Life
Insurer: Generali – Distributor: Boursorama Banque
Boursorama Vie has capped unconditional unit-linked access to its two euro funds at €50,000, including Euro Exclusif (+1.35% in 2021). The contract also references the Générations Croiss@nce Durable growth fund. An Internet contract at very low costs. The management led by two renowned managers is completely free. Possibility of combining funds in euros and managed management.
| Cautious profile | Balanced profile | |
| Performance 3 years | +15.1% | +26.2% |
| Funds to invest in | Weight of each fund by type of profile | |
| Euro funds | 80% | 60% |
| Clartan Values (LU1100076550) | 4% | 8% |
| Lyxor MSCI World ETF (FR0010315770) | 4% | 8% |
| Renaissance Europe (FR0000295230) | 4% | 8% |
| Luxury ETF CAC 40 (FR0007052782) | 4% | 8% |
| Oddo BHF Future Europe (FR0000974149) | 4% | 8% |
KEY FIGURES
– Creation date……………………. 2004
– Minimum at subscription ………… 300 euros
COSTS
– Payment (maximum rate)…………. No charge
– Management of the fund in euros…………. 0.75%
– Unit-linked management………0.7%
– Arbitrations…………….. …………………Free
FUND RETURN IN EUROS
– 2021……….+1.35%
– 2020…………+1.43%
– 2019…………+1.55%
– 2018……….+2.31%
Life Evolution
Insurer: Aviva Vie – Distributor: Assurancevie.com
Evolution Life is the only Aviva contract on the Internet with reduced fees. Accessible unconditionally up to 30,000 euros, the rate of the fund in euros doubles (+1.31% to +2.62% in 2021), if you pay more than 50% in units of account. A wide choice of funds that can be combined with managed management by Fidelity. To be welcomed, its free minimum guarantee, appreciable for diversified contracts.
| Cautious profile | Balanced profile | |
| Performance 3 years | +12.9% | +21.5% |
| Funds to invest in | Weight of each fund by type of profile | |
| Euro funds | 80% | 60% |
| Clartan Values (LU1100076550) | 4% | 8% |
| Aviva Action Europe (FR0007473798) | 4% | 8% |
| Tangerine Opportunities (FR0010657122) | 4% | 8% |
| loyalty world (LU1261432659) | 4% | 8% |
| Best World (FR0000284689) | 4% | 8% |
KEY FIGURES
– Creation date……………………. 2014
– Minimum subscription ………… 500 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 0.60%
– Management of units of account………0.60%
– Arbitrations…………………………Free
FUND RETURN IN EUROS
– 2021……..+1.31% to +2.62%
– 2020……..+1.41% to +2.82%
– 2019…… +1.76% to +3.5%
– 2018……..+2.21% to +3.09%
Fortuneo Life
Insurer: Suravenir – Distributor: Fortuneo
Fortuneo Life is one of the oldest contracts on the Internet. For more than twenty years, it has combined accessibility, reduced fees and a wide financial offer with in particular two funds in euros (+1.30% and +1.8% in 2021) subject to the payment of units of account. More than two hundred funds, including real estate funds and a dozen ETFs complete the range.
| Cautious profile | Balanced profile | |
| Performance 3 years | +12.9% | +21.9% |
| Funds to invest in | Weight of each fund by type of profile | |
| Euro funds | 80% | 60% |
| Luxury ETF CAC 40 (FR0007052782) | 4% | 8% |
| Lyxor MSCI World ETF (FR0010315770) | 4% | 8% |
| Allianz Foncier (FR0000945503) | 4% | 8% |
| Dorval Managers (FR0010158048) | 4% | 8% |
| Moneta Multi Caps (FR0010298596) | 4% | 8% |
KEY FIGURES
– Creation date……………………. 2001
– Minimum subscription ………… 100 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 0.60%
– Management of units of account……….0.75%
– Arbitrations……………………………..Free
FUND RETURN IN EUROS
– 2021………+1.30%
– 2020……..+1.30%
– 2019……..+1.60%
– 2018………..+2%
Linxea Future
Insurer: Suravenir – Distributor: Linxea
It is one of the most competitive contracts on the market in terms of fees. A new version of the contract gives access to two Suravenir euro funds accessible under unit-linked conditions and now with partial guarantee. Another novelty is the possibility of investing simultaneously in free management funds (more than seven hundred funds) and of being supported in managed management.
KEY FIGURES
– Creation date……………………. 2007
– Number of subscriptions……………39,050
– Contract outstanding………………..….858 million euros
– Minimum subscription ………… 100 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 0.60%
– Management of units of account…….. 0.60%
– Arbitrations……………………………..Free
FUND RETURN IN EUROS
– 2021……..+1.30%
– 2020……..+1.30%
– 2019…… +1.60%
– 2018……..+2%
BestFreedom Life Rate
Insurer: Spirica – Distributor: MeilleurTaux Placement
MeilleurTaux Liberté Vie (new name of Mes-placements Liberté) offers Spirica’s New Generation euro fund with partial guarantee (98%) which served 1.65% net in 2021. You must nevertheless invest at least 25% in units of account. The fund offer has been further enriched with 680 UCITS, direct shares, ETFs, real estate funds, etc., always with reduced management fees (0.5%).
KEY FIGURES
– Creation date……………………. 2020
– Number of subscriptions……………16,150
– Contract outstanding………………..….750 million euros
– Minimum subscription ………… 500 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 2%
– Management of units of account…….. 0.50%
– Arbitrations……………………………Free
FUND RETURN IN EUROS
– 2021……..+1.65%
– 2020……..+1.65%
Premium Legacy
Insurer: Oradéa Vie – Distributor: Patrimea
A newcomer among our Gold Trophies, this high-end Internet contract launched twelve years ago by the broker Patrimea and insured by Oradéa Vie (a subsidiary of Société Générale) is worth a detour. It gives access, subject to conditions, to the Security Infra Euros euro fund (+2.1% in 2021) in addition to the classic euro fund (+1.2%). And offers a very wide range of funds including many real estate funds or ETFs. As a bonus, the free floor guarantee.
KEY FIGURES
– Creation date……………………. 2010
– Minimum at subscription ………… 50,000 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 0.72%
– Unit-linked management……….0.72%
– Arbitrations……………………………Free
FUND RETURN IN EUROS
– 2021……+1.20%
– 2020…….+1.20%
– 2019……+1.35%
– 2018……..+1.85%
Titles@Life
Insurer: SwissLife Assurance et Patrimoine – Distributor: Altaprofits
This Internet contract which offers “live securities” (live shares of the Euro Stoxx 50 and the SBF 120) also has a very wide range of funds and a fund in euros whose rate goes up to triple (up to 2.9%) depending on the share of units of account. Possibility of free personalized advisory management or to delegate management to Lyxor AM or Lazard Frères Gestion.
KEY FIGURES
– Creation date……………………. 2010
– Minimum at subscription ………… 1,000 euros
COSTS
– Payment (maximum rate)………….No charge
– Management of the fund in euros…………. 0.60%
– Unit-linked management……….0.60% (0.84% live securities)
– Arbitrations……………………………Free
FUND RETURN IN EUROS
– 2021……+0.85% to +2.75%
– 2020…….+1.10% to +2.90%
– 2019……+1.30% to +3%
– 2018……..+1.70% to +2.70%
