Exclusive offer reserved for MoneyVox readers: at the moment, Ramify is offering up to three months of management fees to readers subscribing to its life insurance contract, the equivalent of 500 euros.
The French fintech Ramify, specializing in savings advice, offers its clients the opportunity to optimize their investments. Savings account, individual retirement savings plan, private equity… savers have the choice between various long-term supports, including life insurance. If the French turned away from life insurance in July, according to data from the France Assureurs federation, the fintech Ramify is doubling down on its arguments to convince.
Right now, MoneyVox readers can be offered up to 3 months of management fees, for any life insurance subscription, up to 500 euros. To seize this opportunity, simply click on the link below and enter your email address. Then, when you subscribe to Ramify, the offer will be automatically applied.
Ramify life insurance in details
Ramify life insurance is accessible only in pilot management, against 1.50% total fees. The management fees break down as follows: a commission of 0.65% to remunerate the fintech, 0.65% envelope fees for the Apicil partner who hosts the funds, and 0.20% management fees for units of account. On the other hand, Ramify does not charge fees for opening or closing, nor fees for payments or withdrawals.
The saver can choose between four investment strategies: Essential, Flagship, Elite, or Black. Whatever your choice, the costs are the same. Regarding the choice of supports, the distribution of savings and trade-offs, everything is entrusted to Ramify experts. An algorithm developed by the fintech, based in particular on an in-depth questionnaire submitted to the customer, makes it possible to determine the best combination for each saver according to their project.
To sign up for Ramify life insurance or manage your contract, everything happens online. All you have to do is go to the Ramify website and provide all your personal information. After providing the requested documents (ID, proof of address, RIB) and electronically signing the contract, Ramify requires a first payment of 1000 euros minimum. Subsequently, the saver can add to his life insurance as soon as he wishes. He can nevertheless set up scheduled payments if he prefers, while respecting a minimum of 100 euros.
Ramify life insurance
Other products offered by Ramify
In addition to life insurance, it is also possible to subscribe toa Ramify individual retirement savings plan, also accessible from 1000 euros of initial payment. Since May 2023, Ramify has offered, in partnership with MyMoneyBank, a bank account bearing 2.50% gross (excluding promotions). Accessible from 500 euros, deposits are capped at 1 million euros. Currently, the company Ramify also offers a boost rate 4% for 2 months for any new opening (within the limit of 150,000 euros deposited).
The Ramify booklet and the Ramify PER