Last February Ampli Mutuelle launched a new single-support life insurance contract: Ampli Assurance Vie. The mutual announced a return of 3.75% net of management fees. So just above Livret A after social security contributions. Except that…
As with all new euro funds created in 2023, Ampli Mutuelle hits hard. For its 11 months of existence, the mutual of independents and liberals announces an annualized rate 3.75% net of management fees. Once social security contributions have been deducted, the rate increases 3.15%higher than that of the Livret A. Especially since the average rate for the year 2023 of the Livret A amounts to 2.92%, being 2% between January 1 and February 1 then 3% since this date.
Life insurance: this new original contract which could beat the Livret A
An annualized rate that is difficult to compare
But be careful, the image of the Euro+ Direct Placement single-support contract whose remuneration over a few weeks reaches 4.10%, this performance only applies to part of the year 2023 and therefore cannot really be compares all the rates announced. This is also the case for Corum, whose new life insurance contract launched in July, provides an annualized return of 4.5%.
Of all the yields already communicated, by simply comparing the yields served over a full year, the highest step on the podium always goes to La France Mutualiste. The insurer displays a return net of fees of 3.70%, which increases to 3.10% after deduction of social security contributions.
As attractive as its performance may be, Ampli Assurance Vie is not accessible to everyone: This contract is reserved for self-employed people and liberal professions, as well as their spouses, children, grandchildren, etc. Self-employed people and corporate officers are concerned . In addition, the student entry ticket costs 5000 euros.
Life insurance returns: the good and the bad for 2023 rates