Do you have online life insurance, opened with a web broker, a fintech, a robo-advisor or an online bank? Suravenir and Generali, the two main insurers on the market, have revealed the 2022 returns of their funds in euros.
Like every year, online savers are watching with interest the returns offered by Suravenir, Generali and Spirica, heavyweights in low-cost life insurance. From Boursorama Fortuneo, to Meilleurtaux Placement Altaprofits, to Nalo Yomoni, these three insurers manage the vast majority of low-cost contracts marketed by these web players. Suravenir was unveiled on Friday January 27, Generali on Monday January 30. And Spirica has started disclosing the performance of some of its contracts to its brokerage partners.
| Euro funds | Contracts | Rates 2021 | Rates 2022 |
|---|---|---|---|
| Online banks | |||
| Dolca Vie (Spirica insurer) | BforBank Life | 1.35% | – |
| Euro Exclusive (Generali) | Boursorama Life | 1.35% | 2.302% |
| Suravenir Performance | Fortuneo Life | 1.30% or 1.60% | 1.80% or 2.10% |
| Eurossima (Generali) | Monabanq Life Premium | 0.75% | 1.30% |
| Brokers and fintechs | |||
| Eurossima (Generali) | Altaprofits Vie, Meilleurtaux Allocation Vie, Linxea Vie, Bourse Direct Horizon, Nalo, Goodvie… | 0.75% | 1.30% |
| Suravenir Performance | Better Life Placement Rates, Future Power (Assurancevie.com), Yomoni Life… | 1.30% or 1.60% | 1.80% or 2.10% |
| General Assets of Spirica | Linxea Spirit, Savings Evolution… | 1.30% | – |
| New Generation Euro Fund (Spirica) | Best Liberty Life Rate, Netlife 2, Savings Evolution 2, Linxea Spirit 2… | 1.65% | 2.30% |
| Swiss Life General Assets | Darjeeling (Direct Placement), Titres@Vie (Altaprofits) | 1% 2.90% | 1.70% 3.05% |
| Aviva Active Guaranteed | Life Evolution (Assurancevie.com) | 1.31% 2.62% ** | 1.61% 3.22% ** |
| Apicil Euro Guaranteed | Linxea Zen | 0.86% | 1.30% 1.85% |
| Orada Vie euro fund | Heritagea Premium | 1.20% 1.92% | 1.90% 3.04% |
| Euro fund Ageas France | Kompoz (Sicavonline) | 1.25% 1.61% | 1.79% 2.31% |
| Euro fund Ageas France | MyPGA | 0.50% 1.30% | 2% |
| Easyvie Euros (CNP) | EasyVie | 1.10% 2.20% | 1.60% 3.20% |
Non-exhaustive lists of contracts. 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 paid only concerns the portion of the payment that meets the bonus conditions, not the entire euro fund.
Life insurance: the ranking of all 2022 rates, from best to worst
More and more systematic bonuses depending on the investment in UC
One observation: the generalization of performance bonuses continues. These insurers are announcing a base rate (net of management fees but before social security contributions) that is quite low, compared to returns close to or above 2% already revealed by banks and insurers. But these returns can each time be improved subject to conditions, most often depending on the part of your contract invested in units of account (UA).
As for the long-awaited performance of the pilot managements, we will probably have to wait until the very beginning of February.
Dynamic and Real Estate Funds: A Ranking
It is impossible to compare the returns of the classic euro funds, listed above, with the very specific real estate and dynamic euro funds. On the one hand, these specific funds are less accessible, with payment restrictions, and on the other hand, their returns fluctuate much more strongly from one year to the next. Below is the performance of these specific funds.
Life insurance: these specific euro funds that pay you big… or zero
| Euro funds | Contract Insurer | Rates 2021 | Rates 2022 |
|---|---|---|---|
| Elixence | Himalia Generali | 1.30% | 1.80% |
| Euro Long Term Allocation 2 | BforBank Life, etc. Spirica | 1.90% | 2.10% |
| Eurocity | Land of Life, etc. AG2R La Mondiale | 1.25% | 0.65% |
| Euro Exclusive | Boursorama Life Generali | 1.35% | 2.302% |
| Euroflex | Linxea Zen, etc. Beetle | 1.40% | 1.40% |
| Euro Innovalia | Himalia Generali | 1.50% | 2% |
| EuroSelection2 | Netlife, etc. Spirica | 1.40% | 0.61% |
| NoEuro Guaranteed2 | Netlife, etc. Spirica | 2.28% | 0.08% |
| Netissima | Better rates Life allowance, etc. Generali | 0.95% 1.91% | 1.53% 3.06% |
| Security Flex Euro | Srnipierre Surfuture | 1.15% | 0.70% |
| Infra Euro Security | Heritagea Premium Orada Life | 2.10% | 2.50% |
| Euro Stone Security | Srnipierre Surfuture | 2.50% | 2.30% |
| Security Target Euro | Target + Orada Life | 2.35% | 0% |
| Suravenir Opportunities (and Suravenir Opportunities 2) | Fortuneo Life, etc. Surfuture | 1.80% | 2.10% |
Non-exhaustive list. More details in our file.
Life insurance: the comparison of reduced cost contract offers