Life insurance : contracts of banks drop out of school for good

as the season of returns 2016 life insurance contracts is completed, the finding is without appeal for the products of the brands banking. Few of them have reached the rate of 2 %.

for nearly two months, the life insurance companies made the rate of return 2016 of their various contracts. The key, of good and less good surprises. The downward trend is very clearly confirmed, in the order of 0.40 to 0.50 percentage point on average. Las, the last of the institutions to reveal their rates are rarely the best-called. This is particularly the case of the banks, which represent the major part of the life insurance market.

READ >> returns 2016 to more than 300 life insurance contracts

0,70 point of least

If most of the contracts in public display of cuts of the order of a half-point, some suffered from dropouts much more severe. This is particularly the case at the Société Générale, which offers a basic rate for his contract Redwood of 1.30 %, which is the 0.70 point less than last year. Only the envelopes generously garnished can hope for better : 1,35 % from 76 200 euros and 1.50 % from 152 € 400.

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Another downfall : that of Vivaccio, of The Postal Bank, which lost 0.65 per touch 1.15 per cent, one of the worst rates in the market. Finally, the Popular Banks have also sacrificed their contract Horizéo, which shows a yield of 1.30% and lost 0.61 per report in 2015. Finally, we should mention the rate disastrous served by the insurer canm take place Life to the clients of the Crédit Mutuel Nord Europe having signed the contract canm take place Opal. They have received 0.80% on their funds in euros.

A little less worse for the clients heritage

The two offers bank the most generous are, therefore, one of BNP Paribas and especially the Credit of the North, which resulted in a ratio of 2 % to Antarius Selection, accessible with 1, 000 euros. Remember that these rates are net of management fees, but suffer from social charges of 15.5 %.

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life Insurance : contracts Crédit Mutuel Centre est Europe

9 new year's resolutions to boost your life insurance rates - yield for 2016 of more than 300 life insurance contracts [update march 2016] What is the performance for life insurance contracts in 2015 ?

In all the banks, contracts, high-end, accessible to the high net worth clientele are best figure. But it cannot be expected to do miracle for all. Thus, Kashmir 2 of The Postal Bank, which is accessible with 25 000 euros, has been reported from 1.95 % to 2.17%, according to the stock. Quintessa, of Popular Banks, offers a yield of between 1.45 and 1.80 per cent.