These 9 life insurance contracts deserve your attention

Each year, the essay analyses the main life insurance contracts on the market. After considering the expenses inherent in the contract, the evolution of the performance of the fund in euros over four years, or even the number of fund proposed for the multi-purpose, up to four stars can be awarded to the product if it is of quality. In 2017, 9 contracts have obtained the maximum score.

Altiscore multi-media (Groupe Pasteur Mutualité/ GPM Insurance )

Since the year 2000, groupe Pasteur Mutualité offers this contract, which was very positively evolved over time. He even picked up a 7th place in our Grand Prix 2017 (on 138 contracts), a sign of its quality. It is based on fee content : 1 % on the loan, 0.50% per annum on the outstanding amount of euro funds and 0.60 % for the fund to be risky. Difficult to find less expensive, especially since the contract includes an arbitration free per year.

Year after year, the funds in euros shows a solidity that is reassuring. It has even been reported 2,55 % in 2016. Over four years, it is clear to 12.99 %, which is one of the best rates in the market. There is also a beautiful range of thirty funds multigestionnaires.

new for the 2017 options, arbitrage auto are now included in the contract. Finally, while it is historically intended for professionals in the medical community, Altiscore multi-media is well and truly open to public.

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A VIEW >> all of The notes of 100 contracts analysed

Amp-Grain 9 (Amp Mutual / CNP Assurances)

At the time of our Grand Prize, 2017, this contract monosupport in euros is mounted on the second step of the podium of the contracts with funds in euros. A place due to the excellence of the yields assigned : 3 % in 2016 (average rate of the market to 1.80 %), 13,87 % for 2013-2016 (9,73 % for the market). Who says better ? The recipe is simple. The management expenses are moderate, 0.50% per annum, reduced to 0.35% in 2016, and the outstanding amount managed by CNP Assurances is modest (60 million euros), allowing a redistribution of generous financial benefits.

A VIEW >> Great Price of life insurance to 2017 : 213 contracts analyzed and graded on 20

This contract sold by correspondence, launched in 1984, is promoted by a mutual dedicated to the liberal professions. In practice, it is open to all public, with 40 euros to subscribe to it. Fees on payments are on a sliding scale, from 3 to 1 %. Conclusion : excellent agreement for the guarantee of capital with a yield still attractive. But it does not allow diversification to other financial supports.

Boursorama Life (Boursorama Bank / Generali Life )

This contract was expanded in 2016, and this has contributed to install it on the podium (3rd ) dedicated to multi-media in the framework of the Great price of life insurance. Major improvement : the management fee on the fund is risky have increased from 0.85 to 0.75% per annum, a rate that is more competitive. The x-ray of the agreement is good, with the absence of fees on payments and trade-offs. We now expect the removal of levies of 1 % on the trade-offs programmed ! For the rest, the financial offer includes 285 channels, including trackers and the stone paper.

We also appreciate the management-driven at no extra cost, with five different mandates available from 300 euros only. Another distinctive feature is the presence of a fund in euros exclusive, not found elsewhere, managed by Generali and 100% accessible without condition.

It has been reported to be 2.65% in 2016. The other funds in euros (Eurossima) gave 2.25 per cent.

note : many of the options of the plan are proposed.

Savings Account Transmission (MIF / MIF Assur)

For the fourth consecutive year, the MIF has won in 2017, our Great Price of life insurance funds in euros. A success that relies on a contract exclusively in euros, the Savings Account Transmission. Launched in 2005, shows great yields : 2,60 % in the previous year, and 14,08 % cumulative 2013-2016. The assets in euros of the mutual starts to weigh heavy, around 4 billion, with good reserves of performance. All costs content : 2 % on payments (1 % above 40000 euros paid). The annual management fee, of 0.35 %, are among the lowest in the market.

The MIF is keen to improve its after-sales service, the key issue in life insurance. She has also developed an offer multichannel interesting, with the Savings Account Free Future Mpt, which has the same euro funds and financial supports qualitative. All of these contracts are issued by correspondence or on the Net.

Contract mpt Afer (Afer / Aviva Life)

This is the contract reference on the market, known to all professionals. Launched in 1996, with more than 600,000 policyholders, it has three advantages. The first, its euro funds is one of the best on the market, with 2,65 % net by 2016. Rate served to all insured persons, including those with the old version monosupport of the contract.

The second, of charge content : 2 % on payments (1 % on the fund is risky) and only 0,475 % on managed funds. The arbitration may be done free of charge per year.

Last asset, a solid combination against the insurer carries this contract. The mention "very well" during our Grand Prize of 2017 testament to its quality over the long term. In addition to a dozen of financial instruments managed by Aviva and a fund's euro-growth, it will be as soon as September, a real estate fund that is accessible at all times (Afer Multi Property) and a multiple board support (Afer Performance).

Retirement Savings 2 (Asac-Fapès / Allianz Life)

This contract has been close to "very good" during our Grand prix 2017. This is a nugget market funds in euros since its launch in 1993, weighing in at 2.6 billion euros. In 2016, the rate has been very good, to 2.80 %, one percentage point more than the market average. The reason for this ? The good financial management of the insurer and the management fees are very low (0.36% per year). Another advantage : the funds in euros is isolated in the accounts of Allianz, which ensures transparency and fairness to the insured.

We also like the entry fee moderate (2 %) and on a sliding scale. Just as the sustainability of the association, Asac, who wears this contract (and others), only giving up nothing to the insurers. Distributed by correspondence through the broker Fapès-Diffusion, it opens with 450 euros.

Attention, it is exclusively in euros. For more diversification, there is Retirement Savings 2 More, with an increasing number of financial supports and the same fund in euros.

Fortuneo Vie (Fortuneo Bank / Suravenir)

The seniority of a contract and its positive evolution in time are of primary qualities in life insurance. This is the case of Fortuneo Life, born here sixteen years, who has picked up the first place of our Grand Prize dedicated to multi-media in 2017. Its technical structure is good, with the absence of a charge on the payments and the transactions, the management fee to 0.75 % on the fund is risky and 0.60% on the euro funds.

The financial offer will satisfy the investors self-employed 170 media, including REITS, and of the trackers. Recent developments significant : management-led is available from 1000 euros from 30000 previously.

This contract, which opens with 100 euros, has two euro-denominated funds managed by Suravenir (Crédit Mutuel Arkéa, which Fortuneo belongs). The classic fund was reported at 2.30 % in 2016.

Attention, spent 250000 euros of payments, it is necessary to place 30 % of fund risky! Suravenir Opportunities, accessible to a condition of investing funds in risky, posted by 3.10 %.

LinXea Future (LinXea / Suravenir)

This contract celebrates its 10th anniversary this year. Once more, it is remarkably well positioned in our Grand Prize 2017, with the 4th place on 138 graded products. But also the second position on our pricing only to contracts that are multi-purpose.

The list of advantages is long : no fees on payments and trade-offs, 0.60% on managed funds ; two funds in euro among the most profitable in the market, with 2,30 % (Suravenir Performance) and 3.10 % (Suravenir Opportunities, subject to certain conditions) in 2016 ; and also, a financial offer of 560 funds with stone paper (over 10 racks) and trackers (more than 50).

structured products are offered on a regular basis. Finally, the management-driven (with Morningstar) is available from 1000 euros to 0.20% of charge. In short, a complete contract, which has been proven in time and opens with only 100 euros. And that will become 100 % digital for the quasi-totality of acts of management in 2017.

Securities@Life (Altaprofits / Swiss Life)

the Precursor of the life insurance line, with his contract Altaprofits Life was launched in 2000 and still traded, the broker Altaprofits distributes other quality offerings. This life insurance sophisticated, managed by Swiss Life since 2010, for investor warned. The fund, in euros, of good behaviour, grants a bonus yield based on the share of funds placed at risk and the amount of the outstanding contract. The rates ranged from 2.20 to 2.90% in 2016.

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Around 500 fund are offered to investors. Very rare in life insurance, the client can invest in paper securities as early as 3,000 euros, with access to shares of the Euro Stoxx 50 and the SBF 120. Another plus : we can combine the free management with management-driven and the funds in euros, which is uncommon on the market.