What is the rate for life insurance?
The rates vary greatly from one establishment to another, it must be said that banks tend to be the least profitable. The exception is online banks which continue to grow and attract more and more people thanks to their very attractive rates. Between compensation, choice of an insurer, many questions are jostling to make the best possible choice.
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How is life insurance performing in 2021?
The rate of life insurance in 2021 will very probably be almost similar to that of 2020. In fact, in 2019 it was 1.4% in euro funds, then around 1.1% in 2020. This year it should be in the same waters. Coming out of a major financial market crisis, the year should be good for the favorite savings product of the French. However, whether these are single-carrier contracts or funds in euros multi-media, the actual performance of life insurance will depend on average inflation over the year. But rest assured, this remains overall good news for holders of life insurance contracts, the rise in prices is slowing down.
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In order to help you better understand the profitability of life insurance we are going to spread it out. Seeing the long term will allow you not to make mistakes and never be surprised. It is thus necessary to project oneself by inquiring the yield over 3, 5 and 8 years.
Keep in mind that not all establishments that sell this type of product are equal when it comes to performance. Indeed, banks, for example, are often less profitable as savings associations or even online banks that they do much better.
What is the return on life insurance in 2021?
In order to understand the rate of return on life insurance in 2021, let’s take a step back to 2017. The average rate of return of the euro fund was, in 2017, 1.8% (according to the French Federation of Insurance). According to the reputable firm « Facts & Figures », it rather turned around 1.67% net of management fees (and excluding social security contributions). You can see it, and even if this average return exceeds the rates, for example, of a livret A or a Livret de développement durable (LDD), euro funds are not (or no longer) very profitable.
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For 2018, the forecast was not particularly encouraging. The « Facts & Figures » firm, whose estimates are scrutinized by professionals in the sector, expected that year on a range of 1.40% to 1.80% return for euro funds. The average performance in 2018 was 1.6%, according to the firm « Good Value For Money ».
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Good to know : obviously, the effective yield varies once still very widely from one contract to another, depending in particular on the composition of the euro fund and the management choices made by each organization. |
Regarding the possible portion of your contract positioned on units of account, it is impossible to estimate a rate of return, as the gains and capital gains realized will depend on the health of the financial / real estate markets, management choices and arbitrage. operated by the insurer, the types of assets on which the money is placed …
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The average return of the euro fund:
- In 2017: 1.8%
- In 2018: 1.6%
- In 2019 : 1.4%
- In 2020 : 1.1%
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Matmut life insurance rate
The Matmut resists and has not ceased to surprise us. Despite a slight decline, its Matmut Vie life insurance still shows a rate of pay between 1.80% and 2.05%. It must be said that Matmut’s life insurance policies are no longer really risky and have been for many years. However, its old contracts, which are now closed for sale, continue to generate rates above the market average. If some insurers abandon their old contracts, this is not the case with the mutual.
Indeed, the rate of return of the contract Matmut Vie Épargne is 2.05% net of management fees in 2018, and that of the Matmut Vie Générations contract benefits from a rate of 1.80%. Performance in decline of 0.15 points compared to 2017.
The only contract currently distributed by Matmut is Multi Vie, insured by Mutavie (Macif), who serves a rate of 1.50% for 2018 (up 0.3 points over one year).
Best Life Insurance 2018: Future Opportunities
The first remains first. Once again, the top prize for the best life insurance went to Future Opportunities 3 years ago. The gold medal does not go to just anyone, not just their yield is 2.80% net in 2018 but in addition its fund has shown superb resistance compared to other funds. This is unprecedented for a year that has seen most returns below 2%, the proof, the average of 2018 is rather around 1.6%. Indeed, most funds fell by 0.1 point or more. It is therefore a great achievement on the part of Suravenir.
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But how is this possible? This stability was achievable thanks to a balanced management between bonds on the one hand, real estate and equities on the other. He found the perfect balance between risk and security. But you know, performance isn’t everything. That’s good, the Suravenir Opportunités euro fund lacks nothing, it seems to tick all the boxes:
- Strength of the insurer (Suravenir being a subsidiary of Crédit Mutuel Arkéa)
- among the lowest costs on the market.
- its accessibility (100 euros is enough to open a contract and invest in this fund),
- the open architecture of the contract to which it is eligible (with more than 700 UA available within MonFinancier Retraite Vie).
Comparison of life insurance rates in 2020
Find below some life insurance contracts among the most popular of the year 2020. The returns shown below do not prevail over future returns in 2021.
| Contract | Fund return euros | UC funds | Management | 1st installment | Payment Fee | Management fees |
| Fortuneo Life | 1.6% to 2.4% | 179 (UCITS, trackers, real estate, certificates) | Piloted, free-standing or profiled | 100 € | 0% | 0.6% to 0.75% |
| Future Power | 1.6% to 2.4% | 718 (UCITS, trackers, real estate, certificates) | Piloted, free-standing or profiled | 100 € | 0% | 0.6% |
| Yomoni Essential | 1.6% | 21 (UCITS, trackers) | Piloted or free | 1000 € | 0% | 0.6% |
| Darjeeling | 1.3% | 994 (UCITS, trackers, real estate) | Piloted or free | 100 € | 0% | 0.6% |
| Digital Life | 1.6% to 2.4% | 468 (UCITS, trackers, real estate, certificates) | Piloted, free-standing or profiled | 100 € | 0% | 0.6% |
| Linxea Avenir | 1.6% to 2.4% | 690 (UCITS, trackers, real estate, certificates) | Piloted, free-standing or profiled | 100 € | 0% | 0.6% |
| Evolution Life | 1.76% | 111 (UCITS, real estate) | Piloted or free | 500 € | 0% | 0.6% |
| Power Selection | 1.2% | 391 (UCITS, trackers, real estate) | Free | 1000 € | 0% | 0.6% to 0.75% |
Frequently Asked Questions
🤷 What is the tax on life insurance?
If you keep your life insurance for more than 8 years, you can benefit from a tax benefit : your withdrawals will be exempt from income tax (but you will still have to pay the social security contributions applied to them).
🤝 What is the most profitable life insurance?
It is possible to opt for several forms of life insurance: monosupport in euro funds or in units of account. It is the latter that will offer the most interesting returns, while the euro funds will be especially useful for putting your savings in safety.
🤝 What are the advantages of life insurance?
The life insurance returns are always more interesting than those of regulated savings accounts. In addition, in units of account, you can invest in several asset classes, thus allowing you to diversify your savings as much as possible (SCPI, mutual funds, UCITS, etc.). A true Swiss army knife for investors, life insurance is the perfect tool to combine performance and security.
🤝 Is life insurance a good investment?
Versatile, secure and exempt from tax under certain conditions, life insurance is undoubtedly a useful investment for any investor since it allows you to touch several asset classes, to secure part of your savings and to benefit from an advantageous tax system after several years of ownership.
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