Savers holding funds in euros in their life insurance contract should obtain increased remuneration for 2022. The first rates announced point in this direction.
[Article régulièrement mis à jour en fonction des publications des taux servis] Good news for life insurance contract holders. The return on the fund in euros is on the rise! The first insurers to have announced their rates for 2022 have opted for an increase. Milleis Vie paved the way on December 19. The Milleis Banque Privée subsidiary served a rate of 2.15%, compared to 0.95% in 2021 for its main contracts (Epargne vie Milleis, Capi Milleis, Barclays Prestige funds). Significant progress far from that announced by Garance. The mutual raises its rate to 2.80% after having offered 2.75% the year before for its Garance Epargne contract. However, it could retain its title of best fund in euros this year.
Another good student in life insurance, the MASCF announced 2.50%, or 0.40 more than last year. ” We served our members an excellent rate while increasing our profit-sharing provision (PBB) by an additional 0.12 points, bringing it to 4.42% to ensure future returns “said Guillaume Rosenwald, director of retirement savings for the MACSF group during a press conference. Good results which may come as a surprise in the face of sharply declining financial markets last year. The CAC 40 ended 2022 with a loss of 9.5%. MACSF was able to count on its sound financial management, in particular on exceptional capital gains in the unlisted sector. Same situation for La France Mutualiste, whose rate for its main life insurance contract, Actépargne 2, goes to 2.11% (2.31% if more than 25% UC) against 1.31% per year past, not to mention the remarkable rate of 2.61% served by its historic contract, the Retraite mutualiste du combatant.
Provisions to compensate
Not all insurers will be in this scenario. But despite disappointing financial results, they should compensate by dipping into their provisions to increase their rate. They want to continue to offer a fund in competitive euros, especially against the Livret A account. It is also a way to overcome the very poor performance of most units of account. According to professionals, we can expect a return on the fund in euros for the 2022 financial year, paid in early 2023, between 1.6 and 2%. The average should even rise to 1.80%, against 1.30% for the 2021 financial year! Figures to be confirmed in future publications.
Table produced in partnership with Good Value for Money