Macif life insurance is increasing its rates of return: the remuneration paid at the start of 2023 for 2022 interest is between 1.6% and 2.2%, compared to just over 1% last year.
According to the insurer, this is a turning point. Before judging on documents in a year, to know if this rebound is confirmed, it is clear that Macif has decided to increase its euro yields on its Mutavie life insurance contracts to place them between 1.6% and 2 .2%. The Multi Life contract, held by almost 360,000 insured, therefore promises a return of 1.6%. Last year, the rate was 1%. The 2.2% are contracts that are no longer marketed by Macif: Actiplus and Actiplus option.
In an unprecedented economic and financial context, we are maintaining a prudent policy in order to carry members’ savings over time. Our desire is to smooth the rise in bond yields to support them over the long term, while initiating a significant shift to the benefit of their savings, explained Odile Ezerzer, Director Macif Finance Savings and Managing Director of Mutavie.
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The returns and performances of the supports are calculated net of fees deducted by the financial manager, and net of annual management fees linked to the contract, if any, and fees linked to the floor guarantee for Multi Horizon Retraite, also explains Macif in its communicated
Life insurance is not immune to the global rise in rates. Funds in euros, whose capital is guaranteed, were remunerated on average in 2021 at 1.28% compared to 2% in 2022, on average. Nevertheless, to date, this return remains unattractive for the saver and less profitable than the LEP or even, very often, the Livret A.
Livret A or life insurance: which investment earned you the most interest in 2022?