Frightened by the market context and tanned by the regulator, the insurers lower their yields. The season rates 2016 life insurance contracts ad a lasting change on the product savings favorite of the French. The point on the first results to be announced.
This is not really a surprise and yet the first ad rate 2016 have showered the last hopes that could feed the holders of life insurance. As expected, the euro funds will be used less this year than last.
the prize pool for the next few years
this is for Two reasons. First of all, the reduced performance of the assets managed by the insurers because of the fall of the rate of interest offered by the bonds that make up the bulk of investments. Then, the insurers have for the most part made the choice - either of their own volition or under pressure from the regulator - put the package on the reserves. Thus, they constitute a pool for the next few years in the case of the lean cows in the markets.
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It is Macif, through its subsidiary, Mutavie, who started the hostility with the publication of a rate, 2016 1.80 % on his contract Actiplus (1.20% over Booklet Life), realizing a marked decrease of 0.60 percentage point. Other falls are significant : those of Apicil Assurances, for example offering a 2.20% to the holders of the Efficient Frontier, is - 0.70 as compared to its rate 2015.
note also the severe dropout of Capma & Capmi (Monceau Assurances). While the mutual was served one of the best rate last year on his contract Dynavie (3,27 %), it comes into the position with a performance 2016 less dazzling of 2.50 %.
Finally, there is the position of the MIF, the grand prize winner of our grand price of life insurance for several years, which has taken, also, the turning point of the decline this year. Finished the 3.30% of 2015, the rate in 2016 fell to 2.60 percent for the various Savings accounts of the mutual.
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This marked decline in the share contracts of the most generous rebat cards on the podium of the fund in euros more lucrative. The MIF she is doing well now keep up with the famous mpt Afer, to 2.65 %.
yields well above the average
Currently, many rates are still pending, but two associations of investors out of the lot with setbacks very moderate and, therefore, yields well above the average. It is Asac-Fapès, that still offers 2,80 % on Retirement Savings 2 and Gaipare to 2.90 % for the whole of his life insurance (which Gaipare Sélectissimo). It should be noted that these two houses have assigned their contracts to the insurer Allianz Life. The Conservative, with 2.75 per cent distributed on his contract flagship Helios Selection is held not far behind.
on The side of contracts Internet, Generali confirms its stall. Eurossima, below the competition last year, is still falling, to reach 2.25 per cent. This will certainly be above average, but hardly flamboyant.
Netissima, accessible under constraint of units of account, reports more : 2,65 %. In Spirica, the decrease is also marked on the general assets and the level in absolute terms is the lowest : it goes from 2.55 to 2.01 %. Remains to be seen what will be the strategy of Suravenir. Recall that the company of the Crédit Mutuel Arkéa was issued last year 2,90% on Suravenir Performance and 3.60 % on Suravenir Opportunities.
Read our complete file9 new year's resolutions to boost your life insurance rates - yield for 2016 of more than 300 life insurance contracts life Insurance : Boursorama raises the costs of its management of the fund in euro
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