To encourage customers to take out their life insurance contracts, online banks and brokers regularly offer welcome bonuses, sometimes reaching 500 euros. At the beginning of June, what are the highest bonuses and what are the conditions for receiving them?
After booklet A, life insurance is the second favorite investment of the French, with a holding rate per household of 40.5% in 2021, according to INSEE. Whether you are looking to open your first life insurance contract, in addition to one or more rule booklets, or whether you are already familiar with this product, it is often possible to benefit from a premium at the opening, under certain conditions. Indeed, online brokers and distributors regularly offer more or less high financial bonuses. Here are the June ones.
In first place is Monabanq Vie Premium, the Monabanq online banking contract. Until June 5, 2022 inclusive, it pays up to 500 euros premium for a first membership. The bonus varies according to the amount of the first transfer made: 50euros for at least 1000euros towards; 150euros premium for 3000euros minimum; 300euros for 10000euros or more; and finally, beyond the €30,000 deposited, Monabanq pays back 1% of this sum, up to a limit of €500. Note that the premium will be transferred to the client’s Monabanq account. If it does not have one, it is therefore necessary to open one.
The broker Goodvest, which markets responsible life insurance GOODVIE, also allows you to benefit from a benefit of up to 500 euros. Thus, until the end of 2022, the fintech does not charge any management fees on unit-linked media for 3 months to its new customers, up to a limit of 500 eurossubject to investing at least 1000euros on his contract.
Placement-direct.fr, he offers up to 400 euros for a first subscription to his Placement-direct Vie contract. Concretely, for any contract opened before June 30, 2022, it transfers 1% of the initial transfer to the new customer, within the limit of 400 euros. This first payment must be at least 5000 euros, and invested in at least 40% units of account. Please note, you must indicate the code ADVANTAGE400 when applying online.
Other contracts currently give access to weaker bonuses, but easier to obtain. Assurancevie.com thus offers up to 350 euros for the subscription of two of its life insurance policies:
- Evolution vie, until June 22, 2022: 120 euros bonus for a first payment of at least 2000 euros and a unit share of 30% minimum. The premium rises to 350 euros if the initial investment reaches or exceeds 8000 euros.
- Avenir power, until July 6, 2022: 150 euros bonus for at least 1600 euros placed, or 350 euros for at least 4500 euros paid, in the event of an option for pilot management. For free management, the broker offers 100euros for a minimum invested 1600euros, and 300euros for an initial payment of at least 4500euros. Note that the portion invested in unit-linked units must be at least 30%.
The management company Yomoni does not offer a bonus but chooses to reimburse the management fees of its new customers for a first subscription to its Yomoni Essentiel life insurance policy before September 22, 2022, and within the limit of 350 euros transferred. To benefit from this advantage, however, you must deposit substantial sums: between 10,000 and 25,000 euros for 3 months reimbursed, between 25,000 and 50,000 euros for 6 months reimbursed, and finally 350 euros transferred beyond 50,000 euros invested. The reimbursement concerns the part invested in UC, and not in a euro fund.
The Fortuneo online bank offers 250 euros for a first opening of his contract Fortuneo Vie before June 13, 2022, and subject to making a first transfer of at least 5,000 euros and opting for discretionary management. Note that, like Monabanq, it is necessary to hold an account in the nobank.
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Finally, another bonus offered by Cashbee: 100 euros for any subscription to Cashbee+ life insurance, on condition that you pay at least 5,000 euros, and leave them in place for at least one year. The bonus is then paid at the end of the calendar year.
To summarize, here are the highest premium terms for each life insurance:
June 2022 – Maximum life insurance premiums
| Contract | Prime max. | Terms | Term of the offer |
|---|---|---|---|
| Monabanq Life Premium | 500 | down payment of 50000 min. | 06/05/2022 |
| GOODVIE | 500 fees no bills | down payment of 1000 min. | 31/12/2022 |
| Direct-placement Life | 400 | down payment of 40000 min. | 06/30/2022 |
| Evolution Life | 350 | down payment of 8000 min. +30% CPU min. | 06/22/2022 |
| Future Power | 350 | down payment of 4500 min. + driver management option | 06/07/2022 |
| Yomoni Essential | 350 expenses reimbursed | down payment of 50000 min. | 09/22/2022 |
| Fortuneo Life | 250 | down payment of 5000 min. + driver management option | 06/13/2022 |
| Cashbee+ | 100 | down payment of 5000 min. placed for 1 year min. | / |
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