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Best life insurance 2022: the 4 contracts of banks and insurance awarded by Le Revenu

In 2022, Le Revenu awarded a Gold Trophy to four life insurance contracts sold through banking networks and general agents of insurance companies. Discover these four contracts as well as our allocations with the name of the funds in which to invest.

Benefiting from a large presence throughout the territory, the major banking networks and the general agents of insurance companies have a majority weight, in number and amount, on the life insurance market in France.

These life insurance contracts are insured by the insurance subsidiaries of banking groups or by large, internationally renowned insurance companies.

These distribution networks particularly stand out for high-end contracts, sometimes sold in private banking. They have a wide range of funds and an extensive range of services (providence, wealth support, etc.) around life insurance.

After analyzing the questionnaires returned by the major players in the sector, Income won four multi-media contracts.

Discover them below, as well as the details of 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 40% in units of account). ).

Arpeggios

Insurer: Axa France Vie – Distributor: Axa general agents

One of Axa France’s flagship contracts offered by general agents, Arpèges served a yield of 0.9% to 1.35% in 2021 depending on the share of units of account on its fund in euros. A very complete contract which benefits from numerous financial management or insurance services at no additional cost (minimum guarantee and accidental death). Axa is promoting its eurocroissance fund (+3.1% in 2021).

Cautious profile Balanced profile
Performance 3 years +13.9% +24.6%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Axa France Opportunities (FR0000447864) 4% 8%
Axa Europe Opportunities (FR0000170318) 4% 8%
Fidelity Growth Europe (LU0115764192) 4% 8%
Axa America Equities (FR0000447815) 4% 8%
Pictet-Global Megatrend Select (LU0386882277) 4% 8%

KEY FIGURES

– Creation date……………………. 2006

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

COSTS

– Payment (maximum rate)…………….4.85%

– Management of the fund in euros…………….0.80%

– Management of units of account………….0.96%

– Arbitrations…………….. 4 free per year

FUND RETURN IN EUROS

– 2021……..+0.90% to +1.35%

– 2020……..+1.20% to +1.60%

– 2019………+1.60% to +2%

– 2018…….. +1.90% to +2.25%


Kashmir Heritage

Insurer: CNP Assurances – Distributor: La Banque Postale

La Banque Postale’s top-of-the-range individual contract, Cachemire Patrimoine offers free management of more than 200 units of account in open architecture, around a third of which are funds with the socially responsible investment (SRI) label. The rate of return on the euro fund (+0.95% in 2021) doubles if the payment comprises more than 50% units of account.

Cautious profile Balanced profile
Performance 3 years +16.5% +30.6%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Lyxor ETF Nasdaq 100 (LU1829221024) 4% 8%
Lyxor ETF World Water (FR0010527275) 4% 8%
LBPAM Actions Div. Europe (FR0012449254) 4% 8%
Major Chessboard (FR0010321828) 4% 8%
Axa France Opportunities (FR0000447864) 4% 8%

KEY FIGURES

– Creation date……………………. 2014

– Minimum subscription……150,000 euros

COSTS

– Payment (maximum rate)………….2%

– Management of the fund in euros………….0.75% (decreasing)

– Management of units of account………0.85% (decreasing)

– Arbitration……………..0.50%

FUND RETURN IN EUROS

– 2021……..+0.95% to +2.05%

– 2020……..+1.05% to +2.26%

– 2019……..+1.35% to +1.85%

– 2018……..+2% to +2.18%


Ebony

Insurer: Sogécap – Distributor: Société Générale

For fifteen years, this top-of-the-range contract, distributed in branches and in private banking, has stood out with a wide range of services (provident insurance, annuities, online management) and units of account in free management, in digital advisory management and in management under mandate. The solid fund in euros (+1.15% to +1.8% in 2021) without investment constraints now benefits from bonuses.

Cautious profile Balanced profile
Performance 3 years +13.8% +24.5%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Emerging SG Actions (FR0010929869) 4% 8%
SG Actions Euro PME (FR0011674738) 4% 8%
SG Equities United States (FR0010407247) 4% 8%
Renaissance Europe (FR0000295230) 4% 8%
SG Heritage (FR0011584416) 4% 8%

KEY FIGURES

– Creation date……………………. 2007

– Number of subscriptions…………… 80,467

– Outstanding contract………………..….17.4 billion euros

– Minimum at subscription ………… 150,000 euros

COSTS

– Payment (maximum rate)………….2.50%

– Management of the fund in euros…………. 0.84%

– Management of units of account………….0.84%

– Arbitration……….0.50% (75 euros max)

FUND RETURN IN EUROS

– 2021……..+1.15% to +1.80%

– 2020……..+1.15%

– 2019……+1.30%

– 2018……..+1.80%


Privilege Multi-Investments

Insurer: BNP Paribas Cardif – Distributor: BNP Paribas

The fund in euros for this top-of-the-range contract, accessible without conditions, delivered a rate of 1.1% in 2021, increased by up to +50% depending on the share of units of account. In addition to an offer of more than 600 free management supports, this contract has interesting free services such as progressive arbitration over thirty months, dynamic capitalization and an automatic death guarantee on subscription.

Cautious profile Balanced profile
Performance 3 years +15.3% +28.5%
Funds to invest in Weight of each fund by type of profile
Euro funds 80% 60%
Renaissance Europe (FR0000295230) 4% 8%
Mirova Europe Envir. eq (LU0914733059) 4% 8%
GF Heritage Beliefs (FR0007056312) 4% 8%
BNPP Green Tigers Classic (LU0823437925) 4% 8%
BNPP Multiges SRI Equities World (FR0012538130) 4% 8%

KEY FIGURES

– Creation date………………………. 2001

– Number of subscriptions……………… 161,917

– Outstanding amount of the contract…………27.7 billion euros

– Minimum at subscription …………20,000 euros

COSTS

– Payment (maximum rate)………….2.75%

– Management of the fund in euros…………. 0.70%

– Management of units of account……….0.85%

– Arbitration………………………………1%

FUND RETURN IN EUROS

– 2021……..+1.10% to +1.65%

– 2020……..+1% to +1.20%

– 2019……..+1% to +1.40%

– 2018……..+1.65% to +1.95%

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