(Article sponsored by Sicavonline) KOMPOZ is an online life insurance contract distributed by the broker Sicavonline, which offers a bonus of 1.60% net of fees on the Ageas France euro fund, for any payment or subscription invested on support in euros and carried out until December 31, 2023, under conditions*. For all new memberships, a gift card of up to 600 euros is also offered, under conditions**.
Sicavonline (1)a leading online platform for wealth management and insurance broker, is a subsidiary of Ageas France (2)who is specializing in life insurance for more than a century. Sicavonline distributes the KOMPOZ life insurance contract, insured by Ageas France.
Until December 31, 2023, two promotional offers are in place on this contract.
Details of the KOMPOZ life insurance contract offered by Sicavonline
The KOMPOZ life insurance contract is suitable for investors looking for customizable life insurance.
By subscribing to the KOMPOZ life insurance contract, you have access to more than 700 unit-linked products, presenting a risk of loss of capital***, and made up of more than 500 UCITS.
In addition, there are more than 60 ETFs and more than 130 active securities. The latter include the best-listed stocks on Euronext, the Paris Stock Exchange, the Frankfurt Stock Exchange, the Madrid Stock Exchange, etc.
KOMPOZ also allows you to access more than 20 real estate supports: 6 OPCI, 5 SCI and 11 SCPI.
In addition to these supports, an Ageas France euro fund is also available on this contract. Its return has increased over 3 years reaching up to 1.71% net return in 2020; up to 1.61% in 2021 net of management fees and up to 2.31% in 2022, net of management fees.
As a reminder, past performance is no guarantee of future performance.
In terms of costs, KOMPOZ is among the cheapest contracts on the life insurance market (source Ageas France 2022). Indeed, Sicavonline exempts you from fees on payments and entry fees. Concerning the annual management fees, they depend on the options chosen and start at 0.45%.
Clients can carry out 15 arbitrations per year, completely free of charge. Beyond this, the arbitration fees amount to 1% of the amount arbitrated under free management.
With the KOMPOZ life insurance contract, you can choose according to your situation and your objectives from 3 management methods:
● Free management: you can choose yourself the distribution of your savings between the available supports, according to your personal situation.
● Delegated management: you mandate Sicavonline, an approved agent, to carry out arbitrations on the contract, for you, according to the management objective that you have chosen. You then benefit from the expertise of a team of Sicavonline professionals who seek to invest in the best possible way.
● Pilot management with ETFs which integrate ESG criteria.
Discover the two KOMPOZ offers! By subscribing to the KOMPOZ contract until December 31, 2023, under free management, you can benefit from an additional +1.60% return on the fund in euros, subject to respecting the conditions below:
*The offer applies to the contract for the following operations carried out until 12/31/2023 and invested in whole or in part in the fund in euros:
A membership with a minimum initial payment of 500 euros, excluding scheduled payments.
On a contract already in progress, for a free payment of 100 euros, excluding scheduled payments.
For these operations, members can benefit from an additional yield bonus of +1.60% in 2023 on the part of this payment allocated to support in euros in 2023 in proportion to the time spent on the fund in euros since the investment date. payment on this medium; condition of remaining invested there until 12/31/2023, and in 2024 condition of being invested in the fund in euros until 12/31/2024.
For 2023, the boost rate remuneration on the portion of payments allocated to the fund in euros under the conditions cited above, is determined as of December 31, 2023. This is net of management fees and gross of social and tax deductions. It is acquired, depending on the options chosen, in proportion to the time spent on the fund in euros submitted to the offer, from the date of your payment until 12/31/2023.
Please note that if you make a divestment from the euro fund, from the start of the boost rate promotional offer, then the increase on the euro fund will not take place. There will only be the profit sharing allocated for the year 2023, if applicable (for a divestment after 12/31/2023).
Ageas France will terminate the offer in advance if changes to the regulatory provisions concerning the guaranteed rates so require.
In addition to this offer, there is a welcome offer of up to 600 euros offered in the form of a gift card for any first membership of the KOMPOZ contract made until 12/31/23.
Conditions for benefiting from the gift card (up to 600 euros) Ageas France offers an additional welcome offer, which concerns first memberships to the KOMPOZ life insurance contract.
Any customer who signs up for a KOMPOZ contract, for the first time, until December 31, 2023, is eligible for the offer. The amount of this bonus depends on the initial payment made and takes the form of a multi-brand gift card**.
***As a reminder, investing in a unit-linked vehicle presents a risk of capital loss. The insurer only commits to the number of units of account, but not to their value. The value of these units of account, which reflects the value of underlying assets, is not guaranteed, but is subject to upward or downward fluctuations, depending in particular on developments in the financial markets.
Advertising communication, November 2023
(1) About Sicavonline
SICAVONLINE, Limited company with capital of 4,000,596 euros. Head office: 7 alle de l’Arche – 92400 Courbevoie n423973494 – INTRACOMMUNITY VAT number: FR 40423973494. Investment Services Provider approved by the Prudential Control and Resolution Authority under number 19253. Insurance brokerage and intermediary company in banking operations and payment services, registered with ORIAS under number 18001256, www.orias.fr.
KOMPOZ is a group life insurance contract insured by Ageas France and marketed by Sicavonline, as an insurance broker, registered with ORIAS under number 18001256, www.orias.fr.
The subscriber to the KOMPOZ contract is the Personaliz Epargne Digitale association.
(2) About Ageas France
Company governed by the Insurance Code. Limited company with capital of 159221273.61. Life insurance company SIREN: 352191167 – RCS Nanterre 352191167. Head office: 7 Alle de l’Arche 92400 Courbevoie.
Ageas France, the French subsidiary of the international Ageas insurance group, has specialized in the creation and management of life insurance contracts since 1903. The company puts its expertise at the service of its partners and distributors in order to offer them innovative solutions in terms of products and services. Ageas France offers a range of savings and retirement products regularly rewarded by the specialist press as well as numerous tax optimization and wealth diversification solutions thanks to its subsidiaries Ageas Patrimoine and Sicavonline.
**Offer description up to 600 offered
Valid only for any first subscription to the KOMPOZ life insurance contract until 12/31/2023.
Multi-brand gift card of 100 for an initial payment of 5000 minimum.
Multi-brand gift card of 200 for an initial payment of 10,000 minimum.
Multi-brand gift card of 300 for an initial payment of 20,000 minimum.
Multi-brand gift card of 400 for an initial payment of 30,000 minimum.
Multi-brand gift card of 500 for an initial payment of 40,000 minimum.
Multi-brand gift card of 600 for an initial payment of 50,000 minimum.
This offer, subject to conditions, is valid only for any first subscription to the KOMPOZ life insurance contract within the limit of the available envelope, carried out until 12/31/2023, and should not be decisive in your choice of investment.
The gift card will be sent by email to the member, to the email address provided upon membership, four months after the conclusion of membership in the KOMPOZ contract, provided that membership in the KOMPOZ contract is still in effect. course at that time and there has been no partial redemption.
Offer limited to one membership to the KOMPOZ contract per person.
The conditions of the offer, filed with the bailiff, are available from the broker Sicavonline.