The life insurance rate season continues. This Monday, January 8, it is the turn of the GMF, MMA and MAAF to announce their 2023 performance.
After Milleis Vie, Garance and Placement-direct.fr, it is the turn of the insurers GMF, MAAF and MMA to announce the returns on the funds in euros of their life insurance contracts for the year 2023.
MAAF increases its life insurance rate by 1.30% in 2 years
The mutual insurer increases the rate of return on its euro fund by 0.75%, which therefore increases from 2.05% in 2022 2.80% in 2023, net of management fees and gross of social security contributions (17.2%). For savers who have chosen to invest part of their savings in units of account (UA), the net rate of return on the Winalto euro fund is 3% (for 20% of UA) and 3.20% (for 40% UC).
In 2023, the sharp increase in the rate of return for all our members is accompanied by a performance bonus for those who have chosen to diversify their contract in favor of units of account. Our ambition this year once again aims to offer our clients attractive and solid returns over time, explains Geoffroy Brossier, Managing Director MAAF Vie in a press release. In 2 years, the insurer increased the rate of its life insurance to 1.30%.
MMA passes the 3% mark thanks to the bonus
In the current economic context, our ambition is to support our clients in securing and growing their retirement savings projects. This results in a significant increase in the net yield of the support in euros of our main contracts, from +0.85% to +1.10% depending on the holding of units of account, i.e. a rate which can reach 3.25 %. This performance is long-term, while preserving our solidity, underlined Batrice Savour, general director of MMA Vie in a press release.
2.25%. This is the rate of return net of management fees and gross of social security contributions (17.2%) for the year 2023 of the euro fund of the MMA Vie contract. A rate major up to 3.25%or 1% more, for investors who have invested at least 40% of their assets in units of account. The remuneration reaches 2.80% for those who have invested 20% of their savings in UC. As a reminder in 2022, the insurer offered a base rate of 1.40% which could go up to 2.15% depending on the UC share.
GMF 2.80%
For the year 2023, the GMF serves a rate of return of 2.80%, net of management fees and gross of social security contributions (17.2%), on its fund in euros, up 0.75%. This rate concerns the Altino and Multo contracts.
This strong rise in our rate of return allows us, once again this year, to support our members in a tense economic context. Our long-term savings model offers our members solid performance over time on our euro fund, specifies Anne Kachelhoffer, Managing Director of GMF Vie in a press release.
2023 life insurance rates, from best to worst