Do you have online life insurance, opened with a web broker, a fintech, a robo-advisor or an online bank? The three main insurers in this very competitive online savings market, Suravenir, Spirica and Generali, have not yet revealed their 2022 returns. But our table (updated as the announcements go by) is already filling up.
Like every year, online savers will watch 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. Waiting for…
| Euro funds | Contracts | Rates 2021 | Rates 2022 |
|---|---|---|---|
| Online banks | |||
| Dolca Vie (Spirica insurer) | BforBank Life | 1.35% | – |
| Euro Exclusive (Generali) | Boursorama Life | 1.35% | – |
| Suravenir Performance | Fortuneo Life | 1.30% or 1.60% | – |
| Eurossima (Generali) | Monabanq Life Premium | 0.75% | – |
| Brokers and fintechs | |||
| Eurossima (Generali) | Altaprofits Vie, Meilleurtaux Allocation Vie, Linxea Vie, Bourse Direct Horizon, Nalo, Goodvie… | 0.75% | – |
| Suravenir Performance | Better Life Placement Rates, Future Power (Assurancevie.com), Yomoni Life… | 1.30% or 1.60% | – |
| 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% | – |
| Swiss Life General Assets | Darjeeling (Direct Placement), Titres@Vie (Altaprofits) | 1% 2.90% | – |
| Aviva Active Guaranteed | Life Evolution (Assurancevie.com) | 1.31% 2.62% ** | – |
| 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
While waiting for the three heavyweights, other insurers (Orada Vie, Apicil, Ageas France and CNP, partners depending on the case of one or two online players), have revealed their 2022 rates.
First 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).
For the time being, the contract of the web subsidiary of La Banque Postale, Easy Vie, stands out thanks to a very generous bonus as soon as you have invested half of your contract in UC (3.20%), but interesting even with 30 % CPU (2.40%).
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. In this category, the following yields are already known:
- Security Target Euro (Target+ contract): 0% in 2022, compared to 2.35% in 2021
- Infra Euro Security (Target+ also): 2.50% in 2022
Life insurance: the comparison of reduced cost contract offers