AG2R La Mondiale has published the returns for the year 2021 for its life insurance contracts. La Mondiale offers for its fund in euros, a return net of management fees of 0.76%. As a reminder, this rate was 1% in 2020.
AG2R La Mondiale’s range of Vivpargne multi-support life insurance policies recorded a return of 0.76% in 2021 for its euro fund. Last year, the remuneration was still 1%. Ad performance is weaker than many competitors. On average, the return on market funds in euros should be 1.10% after 1.28% in 2020.
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The Terre de Vie contract backed by general assets fluctuates between 0.86% and 1.50% for customers who have taken out up to 60% of units of account. For retirement savings plans, the rates are between 0.80% and 1.95%. The average remuneration is therefore 1.40% , down 0.15% on the previous year.
Life insurance: all 2021 rates, from best to worst
PER contracts still attractive
Thanks to some risk-taking, the holders of these contracts were able to benefit from a higher return. Here are the results, for 2021, based on contract life before retirement:
- 20 years: Between 2.48% and 18.33%
- 15 years old: Between 2.29% and 13.58%
- 10 years: Between 1.96% and 10.16%
- 5 years: Between 0.54% and 3.51%
For Andr Renaudin, CEO of AG2R La Mondiale, by reducing the average return for 2021 on its policies in euros by 0.15%, and thanks to the excellent performance of its unit-linked products, La Mondiale is still offering its policyholders a attractive. The additional bonuses are used to support those who wish to diversify their investments by investing in more volatile markets, in particular via funds managed within the Group which have outperformed funds in euros on an annualized average over 5 years.
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