The vast majority of market players have revealed the remuneration of their funds for the year 2023. This is notably the case of Spirica, Generali and Suravenir, the main insurers of online banks and web brokers. What is your contract worth? Discover the list of reduced fee contracts here.
Since the beginning of January 2024, players in the life insurance market have been announcing one by one the rates of return on their contracts for the year 2023. While experts already estimated a few months ago an average rate around of 2.5%, it could be a little high, if we rely on the rates already announced. But what are these web contracts, renowned in particular for their reduced costs, worth?
Contracts compare
Among the very good students for the year 2023, we find in particular the New Generation euros fund from Spirica which offers remuneration of 3.13% against 2.30% in 2022 for contracts Best rates Libert VieNetlife 2 or even Linxea Spirit 2. Same thing at Generali and its Euro Exclusif fund accessible within the contract of the Bourso Vie online bank whose yield reached 3.10% for the past year (compared to 2.30% in 2022).
The contracts Altaprofits Life, Best Life Allowance Rates And Linxea Life show the same performance thanks to the Netissima fund (Generali). Some returns do not reach the expected average. the image of Direct Placement Life and Titles@Life contracts, insured by Swisslife: the base rate rises 1.70% but can be improved up to 4% according to the share of units of account (UA).
| Euro funds | Contracts | Rate 2022 | Rate 2023 |
|---|---|---|---|
| Online banks | |||
| Dolca Vie (Spirica insurer) | BforBank Life | – | – |
| Euro Exclusive (Generali) | Boursorama Life | 2.302% | 3.10% |
| Suravenir Yield and Yield 2 | Fortuneo Life | 1.80% or 2.10% | 2.20% or 2.50% |
| Eurossima (Generali) | Monabanq Life Premium | 1.30% | 2% |
| Brokers and fintechs | |||
| Eurossima (Generali) | Altaprofits Vie, Meilleurtaux Allocation Vie, Linxea Vie, Bourse Direct Horizon, Goodvie… | 1.30% | 2% |
| Netissima (Generali) | Altaprofits Vie, Meilleurtaux Allocation Vie, Linxea Vie, Bourse Direct Horizon, Goodvie… | 1.53% | 3.10% |
| Suravenir Yield and Yield 2 | Best Life Investment Rate, Puissance Avenir (Assurancevie.com), Yomoni Vie… | 1.80% or 2.10% | 2.20% or 2.50% |
| Euro New Generation Fund (Spirica) | BestRate Libert Vie, Netlife 2, Savings Evolution 2, Linxea Spirit 2… | 2.30% | 3.13% |
| General Assets of Swiss Life | Darjeeling and Direct Placement Life, Securities@Vie (Altaprofits) | 1.50% 3.05% | 1.70% 4% |
| Guaranteed Active Bee | Evolution Life (Assurancevie.com) | 1.61% 3.22% ** | 2.44% 4.44% ** |
| Apicil Euro Guaranteed | Linxea Zen | 1.30% 1.85% | 1.50% 1.90% |
| Orada Vie Euro Fund | Patrimea Premium | 1.90% 3.04% | % |
| Euro fund Ageas France | Kompoz (Sicavonline) | 1.79% 2.31% | % |
| Easyvie Euros (CNP) | EasyVie | 1.60% 3.20% | 2.40% 3.90% |
Non-exhaustive contract lists. For more details on brokers and web contracts, see also the life insurance comparison.
The maximum rates are (with some exceptions) conditional on the share of units of account in the contract.
*Base rate, excluding performance bonus.
** For Evolution Vie, the maximum served only concerns the part of the payment respecting the conditions of the bonus, not the entire Euro fund.
The particular cases of Corum, placement-direct.fr and Ampli Mutuelle
In 2023, three new life insurance contracts were launched. That of Corumin July, Direct placement Euro+, in November and Ampli Assurance Vie in February. They respectively displayed a performance of 4.45%, 4.10% and 3.75%. Much higher returns than other euro funds… if we could really compare them.
THE rate obviously annualis but only applies over a few weeks for placement-direct.fr and over a few months for Corum and Ampli Mutuelle. They cannot therefore reasonably be compared to other contracts on the web.
Life insurance returns: the good and the bad for 2023 rates
Dynamic and real estate funds
Euro real estate and dynamic funds cannot be compared to traditional Euro funds. Less accessible and subject to payment restrictions, their yields vary much more widely from one year to the next. Find below the remuneration of the main funds in specific euros:
| Euro funds | CONTRACT Insurer | Rate 2022 | Rate 2023 |
|---|---|---|---|
| Elixence | Himalia Generali | 1.80% | 3% |
| Euro Long Term Allocation 2 | BforBank Life, etc. Spirica | 2.10% | 2% |
| Eurocit’ | Land of Life, etc. AG2R La Mondiale | 0.65% | % |
| Euro Exclusive | Boursorama Life Generali | 2.30% | 3.10% |
| Euroflex | Linxea Zen, etc. Apicil | 1.40% | 1% |
| Euro Innovalia | Himalia Generali | 2% | 3% |
| EuroSelection2 | Netlife, etc. Spirica | 0.61% | 1.50% |
| NoEuro Guaranteed2 | Netlife, etc. Spirica | 0.08% | 2.30% |
| Netissima | Best rates Life Allowance, etc. Generali | 1.53% 3.06% | 3.10% 4.12% |
| Security Flex Euro | Srnipierre Surfuture | 0.70% | 1.20% |
| Euro Infra Security | Patrimea Premium Orada Life | 2.50% | 3.50% |
| Security Pierre Euro | Srnipierre Surfuture | 2.30% | 0% |
| Security Target Euro | Target+ Orada Life | 0% | 3.38% |
| Suravenir Opportunities (and Suravenir Opportunities 2) | Fortuneo Life, etc. Surfuture | 2.10% | 2.50% |
Non-exhaustive list. More details in our file.
Are banks doing better this year?
The time when banks found themselves among the worst rates of return in life insurance seems well and truly over. After a good recovery between 2021 and 2022, banks are continuing their effort to provide remuneration close to or even well above the expected average (2.5%). And this, before any bonus associated with payments or the share of units of account in the contract.
Among the best bank rates, we notably retain Socit Générale for contracts Sequoia and Maple Essential which serve a base rate of 2.85% which can be improved respectively up to 3.73% and 3.72%. BNP Paribas even offers remuneration of 3% and a bonus up to 5% for all of its contracts including Multiple placements 2.
Life insurance Crdit Mutuel, Banque Postale, BNP… Do banks offer the best rates in 2023?