Insurance

Best life insurance 2022: the 4 association contracts awarded by Le Revenu

Historical and emblematic contracts, the multi-support life insurance policies offered by savers’ associations appeal to many policyholders. In 2022, the editorial staff of Le Revenu awarded a Gold Trophy to four association contracts.

Present on the French life insurance market for some for more than 40 years, the associations of savers each bring together thousands, even hundreds of thousands of members and are very involved in defending the advantages of life insurance with public authorities.

The main advantages of these historic contracts: reduced management fees which generate remarkable performance for their funds in euros as well as a range of simple, accessible units of account which is expanding each year, essential to gradually support their policyholders on the path to diversification.

These contracts are generally sold by brokers or general agents of insurance companies.

In 2022, the editorial staff of Le Revenu is highlighting four associations of savers and their flagship contract: discover them below as well as the funds to buy according to your prudent profile (80% in funds in euros and 20% in units of account) or balanced (60% in funds in euros and 20% in units of account)

The four contracts selected by Le Revenu

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Insurer: Abeille Vie – Distributor: Afer

Since 1996, the multi-support version of the Afer contract has always been there with costs that have become very competitive, a range of unit-linked products that is gaining strength and a fund in euros (+1.7% in 2021) that is still much higher. above the market. Handover from insurer Aviva France to Abeille Vie (Macif-Aéma group) without a hitch.

Cautious profile Balanced profile
Performance 3 years +13.1% +21.1%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Afer-Spher (FR0000299364) 4% 8%
After Euro Actions (FR0007024393) 4% 8%
Afer Global Equity (FR0010094839) 4% 8%
Afer Actions PME (FR0012033371) 4% 8%
After Senior Future (FR0013203841) 4% 8%

KEY FIGURES

– Date of creation…………………………. 1996

– Number of subscriptions…………… 688,135

– Outstanding amount of the contract…………..42.3 billion euros

– Minimum subscription ……………… 100 euros

COSTS

– Payment (maximum rate)….0% (0.50% on funds in euros)

– Management of the fund in euros…………. 0.475%

– Management of units of account………0.475%

– Arbitration………………………………Free

FUND RETURN IN EUROS

– 2021……..+1.70%

– 2020…….+1.70%

– 2019…….+1.85%

– 2018……..+2.25%


Cler

Insurer: Axa France Vie – Distributor: Agipi

In this historic contract, Agipi, an association of savers very present with business leaders and liberals (650,000 members), puts the turbo on the eurocroissance fund (+3.1% in 2021) to the detriment of the fund in euros (+1.1%). High entry fees but pension services included and efficient and original units of account.

Cautious profile Balanced profile
Performance 3 years +15.9% +28.5%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Agipi Emerging Equity (FR0010996611) 4% 8%
Agipi Actions Europe (FR0010606673) 4% 8%
Agipi Global Equity (FR0000283749) 4% 8%
Agipi Sustainable World (FR0010500603) 4% 8%
Agipi Major Trends (FR0010492405) 4% 8%

KEY FIGURES

– Date of creation……………………….1985

– Number of subscriptions…………. 246 151

– Outstanding contract……13 billion euros

– Minimum subscription…………€1,000

COSTS

– Payment (maximum rate) ………….4.85%

– Management of the fund in euros…………. 0.75%

– Management of units of account………….1%

– Arbitration…………0.80% (1 free per year)

FUND RETURN IN EUROS

– 2021…….+1.10%

– 2020…….+1.30%

– 2019…….+1.70%

– 2018…….+2.10%


Retirement Savings 2 Plus

Insurer: Allianz Vie – Distributor: Asac-Fapès

The Asac-Fapès multi-support contract insured by Allianz offers a very good rate for its guaranteed euro fund (+1.8% in 2021) thanks to reduced management fees (0.36%). To have access to it, you must pay at least 30% in units of account, carefully selected, or subscribe to managed management (0.3% additional costs).

Cautious profile Balanced profile
Performance 3 years +17% +28.8%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Allianz Multi Real Yield (FR0000992349) 4% 8%
Allianz Actions Aequitas (FR0000975880) 4% 8%
Lazard Small Caps France (FR0010262436) 4% 8%
AGIF Europe Eq Growth (LU0920839346) 4% 8%
Allianz Sustainable Values (FR0000017329) 4% 8%

KEY FIGURES

– Creation date………………………. 2006

– Number of subscriptions…………… 19,800

– Outstanding amount of the contract…… 976 million euros

– Minimum at subscription…………… 500 euros

COSTS

– Payment (maximum rate)………..2% (decreasing) (average 1.5%)

– Management of the fund in euros…………. 0.36%

– Management of units of account………0.60%

– Arbitrations……………..0.50% (4 free)

FUND RETURN IN EUROS

– 2021……..+1.80%

– 2020……..+1.85%

– 2019……..+2.05%

– 2018……..+2.48%


Gaypare Fidelissimo

Insurer: Allianz Vie – Distributor: Gaipare

Fidelissimo offered by the Gaipare association and its insurer Allianz succeeds the Selectissimo contract. And the novelties abound: return of the fund in euros automatically reinvested towards a unit of account blocked for five years, but increased by 10%, or even access to units of account at reduced costs usually reserved for institutional investors.

Cautious profile Balanced profile
Performance 3 years +17.5% +29.9%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Allianz Sustainable Values (FR0000017329) 4% 8%
Best Renaissance Europe (FR0013290947) 4% 8%
Moneta Multi Caps (FR0013179603) 4% 8%
Fidelity Global Dividend (LU0605515880) 4% 8%
Environmental capital of Mirova Europe (LU0914733646) 4% 8%

KEY FIGURES

– Date of creation……………………… September 2021

– Minimum at subscription …………30,000 euros

COSTS

– Payment (maximum rate)……………2%

– Management of the fund in euros………….1.20% (“cleanshare” fund)

– Unit-linked management…..…1.20% (“cleanshare” funds)

– Arbitrage……1.50% towards the euro fund (0% towards the units of account)

FUND RETURN IN EUROS

– 2021……..+1.80%

– 2019……..Not significant (contract launched in 2021)

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