The new partially guaranteed euro funds Suravenir Rendement 2 and Opportunits 2 have succeeded their guaranteed capital counterparts in contracts taken out since 1 April. The Opportunities fund is closed to any new payments, but depending on the distributors, the investment conditions for the Initial Return fund differ.
Since April 1, supplying the dynamic euro fund Suravenir Opportunits is no longer possible, regardless of the type of payment (one-off or programmed). Recurring payments into this fund are thus automatically redirected to the Suravenir Rendement fund in euros. The capital invested will, however, continue to benefit from the annual revaluation for customers holding contracts opened before April 1st.
As regards the fund in euros Suravenir Rendement, whose new version Rendement has just entered into force, brokers and distributors, on the other hand, each have their own method.
Life insurance: what changes with the Suravenir Opportunits 2 and Suravenir Rendement 2 funds
Fortuneo Life: savers have nothing to do
Since April 1, holders of a Fortuneo Vie contract can no longer make free payments or set up scheduled transfers to Suravenir Rendement. On the other hand, no change for the recurring payments set up before this chance.
Since Fortuneo Vie is a collective contract, all changes are managed upstream. Its holders will therefore neither have to change contracts nor sign an amendment in order to benefit from the new funds. Finally, new subscribers will only have access to Suravenir Rendement 2 and Suravenir Opportunit 2.
Linxea launches new contract for new funds
Linxea, for its part, offers a new contract: Linxea Future 2. The latter gives access to the new Opportunity 2 and Yield 2 funds. Its old version, Linxea Avenir, is no longer marketed. Obviously, customers who have already subscribed to Linxea Avenir will be able to keep their old contract… Or choose to transfer it to the new one from April 12th. Via this new offer, savers will have access to four funds: Suravenir Rendement and Opportunits (on which they will no longer be able to deposit, but will be able to make redemptions) and Suravenir Rendement 2 and Opportunits 2 (on which all operations will be possible).
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Uncertainty for Assurancevie.com
For the broker assurancevie.com, which markets Pouvoir Avenir, the Suravenir Rendement fund remains freely accessible to holders of contracts opened before April 1: they can always make payments, free or programms or arbitrations.
However, the procedure for these clients to have access to the new funds has not yet been determined. Indeed, it is indicated on the broker’s website that the insurer is studying the possibility of allowing the referencing of this fund in euros (Suravenir Opportunits 2) within contracts taken out previously. This addition would then go through the signature of an amendment.
As a reminder, the new Suravenir funds are no longer 100% capital guaranteed. They can therefore potentially display a rate of lower return 0%.
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