Life insurance policy Conservative Helios Selection / The Curator : a contract, quasi-public

Its advantages ? A good performance and a financial offer varied

The contract of the mutualist group The registrar has received a grade "good" during our Grand Prix 2016. For the season, he will become the contract of any public mutual, with a threshold lowered to 1, 000 euros, and, in parallel, the end of the marketing contract Arep multi-purpose tray. Its strong points? Its funds in euros, which has been reported to 3,10 % in 2015, and has good reserves. And its financial bid, with 70 carriers in multi-management and fund formula capital guaranteed, the range of Conservative Opportunities, rather effective.

Annuity absent

Technically, it is a little less good. If the entrance fee, 3% are contained, just as the 0.60% on the outstanding funds in euros, the weight of the management fee on the fund is risky (0,96 %) is notable. An arbitration is offered each year, and then charged a 0.50 %. The trade-offs automatic are also paid, a point to improve, just as the absence of output into an annuity.

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Charges, options... : 2/4

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life Insurance rates / returns contracts

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Funds in euros : 4/4

Other funds : 3/4