The insurer Suravenir, a subsidiary of Crdit Mutuel Arka, announced the returns on its Opportunities 2 and Rendement 2 euro funds this Friday, January 26. Disappointing, they amount to 2.50% and 2.20% respectively for the year 2023. No better than the anticipated average for all euro funds.
Much anticipated, the rates of return on the Opportunities 2 and Rendement 2 euro funds do not arouse enthusiasm. These euro funds accessible in contracts offered by brokers, banks and fintechs on the web such as Best Life Investment Rate, Future Power (Assurancevie.com), Yomoni Life, Fortuneo Life or Linxea Avenir 2, offer average performances for the year 2023. Suravenir is thus a heavyweight in online life insurance, with reduced fees, alongside Generali and to a lesser extent Spirica.
Life insurance: comparing online contracts
The bottom Opportunities 2serves a yield height of 2.50% And Yield 2of 2.20% in free management (2.50% in pilot management). However, savers who took advantage of bonus offers on outstanding balances and payments were able to benefit from a rate of up to up to 4.20% for Yield 2 and up 4.50% for the Opportunities 2 fund.
This proactive commercial policy, which takes into account the necessary diversification into units of account of policyholder savings, is renewed in 2024
We are delighted to once again display increasing rates of return this year on each of our different markets, explains Franois-Rgis Bernicot, Chairman of the Suravenir Board of Directors in a press release. Thus, we have carried out commercial operations aimed at both activating the collection of funds in euros and enhancing the outstanding balance already held by policyholders. This proactive commercial policy, which takes into account the necessary diversification into units of account of policyholder savings, is renewed in 2024.
Euro funds partially guaranteed
As a reminder, the Suravenir Opportunits 2 fund offers a partial guarantee up to 97% and Yield 2 a gross guarantee of management fees, with annual fees of 0.60% which can (in the event of a disaster) be taken from the accumulated capital.
Payment restrictions are imposed on these euro funds. For Yield 2, a minimum share of 30% must be invested in units of account and 50% investment in UC is necessary for Opportunities 2.
Life insurance rates 2023: the tops and flops of the new yields