rare Feature to be reported : the mpt does not provide for participation in the surplus.
This contract Monceau Assurances has a rare feature : the completeness of the results generated by the fund in euros on a year that is distributed to policyholders. In other words, no reservation is made. An approach that avoids hacks allocation of returns between contracts in a same insurer. The return paid is up to the task, with a rate 2015 3.27 % net, after a 3.33 percent in 2014. Over four years, the cumulative rate achieved by 14.45 %, the result of active management of the assets in euros, with a lot of convertible bonds and shares.
Warranty death included
Accessible with 600 euros, this life insurance includes twelve funds at risk from four companies in different management. The entry fees of 5 % are very high, to negotiate of course. Too bad also that no arbitration free of charge is planned. More important, the management fee 0.54 % are very cheap, including a guarantee of death which increased the paid-up capital (depending on the age of the insured).
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Charges, options... : 2/4
Read our complete fileTwo types of life insurance are worth more than a life Insurance : how to earn more life Insurance : what to do in the face of declining rates?
Funds in euros : 4/4
Other funds : 2/4