To encourage as much as holders of a life insurance contract to leave the funds in euros to go to the media units of account (UA), insurers do not lack ideas ! Until now, it was rather the policy of the "carrot". Now, we can almost speak of a temptation to "stick"...
For a few years, to reorient the savings to the units of account (UA), media hazards which do not include any capital guarantee, some insurers are registered in a logical incentive of a gift or "bonus". With a simple principle : increase the performance of their funds in euros (only the least efficient are in general concerned) as soon as a part of the savings of the contract is directed towards the CPU. Of course, the conditions for the award of this bonus vary among the contracts.
bonus variable geometry
Chez Axa France, for example, with the Bonus system Euro+, at least 35% of the savings of the contract must be invested in the CPU (other than the UA money), for the remuneration of the support in euros, increased by + 0.10 percent. And to capture the maximum bonus of + 0.35 percent, the contract must be management driven, and the CPU must reach 40%. For Groupama, the distribution of a surplus of yield also depends on the share of savings invested in UA : + 0.10% of premium if it is at least 10%, but up + 1%, which is far from being negligible, provided that the investment in UC accounts for more than half of the outstanding amount of the contract.
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funds € restricted access
the inverse of this incentive policy, other insurers have decided there is little to limit the access to their funds in euros. For them, the time when investors could play safe by investing all of their payments on this famous euro funds must permanently come to an end !
A relentless logic that prevails even when it comes to shelter their savings in funds euro classic, and not more in funds in euros to a dominant estate, the higher yield and whose terms and conditions of access could already be specific.
In the clear, from the outset, an investor is obliged to accept that part of the payments to be immediately arrow to the CPU.
It is, for example, from the end of 2016, for online contracts insured by Spirica (a subsidiary of Crédit agricole) as My investment Freedom (distributed by the broker mes-placements.fr) and Patrimea Netlife (marketed by patrimea.com) and for which a minimum of 25% in UA is required from the 1st euro for payment.
Same thing for access to the fund in euro Apicil Euro Guaranteed, now conditioned on a minimum investment of 30% in CPU and that can be found in the contracts covered by Apicil Assurances and distributed by dealers such as monfinancier.com (Efficient Frontier), linxea.com (Linxea Zen) or boursedirect.fr (Bourse Direct Vie).
fee on payments
Finally, the last form of the limitation, to say the least, surprising, initiated recently by the MACSF (mutual insurance company dedicated to health professionals) against the holders of its contract RES monosupport : charges on payments will increase from 1% to 3% from 1 June next.
in other words all those who have, until now, privileged security, and wish to continue to do so, will be penalized because their next payments will yield nothing for over a year and a half (if one takes into account the decrease of performance of this fund euro, which has been reported to 2,40% net of management fees in 2016)! A way as another for the mutual insurer, to steer firmly to his members to his contract RES multi-media, including the fees on the installments remain fixed at 1% (0,60% if the scheduled payments).
indeed, to escape this penalty, the insured will not have other choice than to "Fourgouser"* their contract, that is to say, of transforming it into a multi-purpose, with recovery of its prior tax and toll. A transfer perfectly regulated, but that requires to move towards the CPU, since with this operation, it is necessary to know, 20% of the savings in the account must be invested in the media to risk !
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?
*Opt for the transfer Fourgous