It is not easy to navigate the existing offers for life insurance contracts, these financial products offer you both long-term savings and an excellent transmission tool. Focus here on La France Mutualistes Acting2 multi-support life insurance contract, the best contract offered in the current market.
*Published 30 January 2024 on the association’s website www.quechoisir.org.
Why choose the Actagence2 life insurance contract?
EAt the top of our top 5 of the best life insurance contracts, the Acting2 multi-support life insurance contract from La France Mutualiste stands out for its level of performance, its flexibility and its responsible side.
Actembre2, unrivaled life insurance
With a return of 3.70% for its Euro fund in 2023*, La France Mutualistes Actagence2 life insurance contract had the best rate on the market according to UFC-Que Choisir**. A solid and effective performance, also praised by many other titles in the specialist press.
A savings and transmission tool, the Actagence2 multi-support life insurance contract allows you to have your money at your disposal at all times. You can request withdrawals whenever you want, even before 8 years (threshold duration to obtain advantageous taxation of redemptions). A minimum death guarantee is also provided. If you die before the age of 75 and a financial loss is established, your beneficiaries will receive the sum of your net payments up to a limit of €152,500 (only valid for the Eurofund in the Actévolution 2 life insurance contract).
The Actagne2 multi-support life insurance contract is a contract that allows you to choose a 100% Euro fund or diversify your investments with unit-linked funds***. Your investment is thus diversified, which gives you the opportunity to invest your money according to different criteria, and in particular according to ESG (Environmental, Social and Governance) criteria. Your savings can thus be invested responsibly in branded companies (ISR, Greenfin, Finansol or Towards Sustainability) that have a positive impact on society.
** Que Choisirs 2023 return list
***Investment in units of account entails a risk of exchange rate loss. The value of the units of account is not guaranteed, but is subject to ups and downs in the financial markets.
Experience Actévolution2
A contract that adapts to you
In addition to being able to invest responsibly, the Actévolution2 multi-support life insurance contract allows you to choose the theme (family businesses, ecological transition, etc.) and location (Europe, North America, Asia) according to your values. peaceful developing countries etc.) of your investment.
An investment that gives meaning to your savings, the Actévolution2 multi-support life insurance contract is offered by La France Mutualiste with 2 management methods to choose from:
- Profiled management that La France Mutualiste takes care of everything (you stay calm, experts manage your savings).
- Free management for informed investors who want to manage their savings themselves.
In both cases, your financial support, the Actagence2 multi-support life insurance contract, will be part of a selection made by various expert management companies (Ecofi, Mirova, Amundi) to offer you high quality investment opportunities. Tailor-made advice is also offered to you depending on your willingness to take risks and your preferences in relation to responsible engagement. Finally, the frequency and amount of your payments always remain flexible.
Beneficial taxation
The La France Mutualiste Actévolution2 contract benefits from the favorable taxation established in France for life insurance:
- No taxation is imposed for the duration of the contract excluding surrender.
- In case of surrender, only the capital gain is taxed with reduced taxation as soon as your contract reaches its 8th year.
- In the event of death, life insurance does not form part of the estate’s assets, and the amounts transferred are exempt up to €152,500 per recipient (all contracts combined) for payments made before age 70. For payments after age 70, €30,500 is exempt for all contracts and all beneficiaries together.
The exclusive benefits of La France Mutualiste
Saves power for your wallet
In addition to offering you a solid and long-lasting euro fund with recognized results with its Actagence2 life insurance, La France Mutualiste offers:
- A contract without fees for payments and arbitration.
- Annual management fees among the lowest on the market (0.77%).
Personal support for managing your contract
France Mutualiste has made support for its members one of its main priorities. This support is provided in a personal way and in a family spirit.
During your Actagne2 contract, La France Mutualiste gives you:
- Mutual advisors available in agencies or who even come to your home.
- Local advisors who listen and explain the products in an educational way.
- Advisors who follow you in the long term and who know your investor profile perfectly.
How to subscribe to the Actagence2 multi-support life insurance contract?
What are the eligibility conditions for Actagne2 La France Mutualiste?
Taking out life insurance is open to everyone regardless of age. Minors can take out an Actévolution2 contract with their parents’ permission, while your first payments after the age of 70 are therefore exempt from inheritance tax up to €30,500.
To subscribe to an Actévolution2 savings contract, a first payment is required, from just €300. The amount even starts from €70 for those under 29.
Where can you subscribe to an Actagne2 La France Mutualiste contract?
You can take out your Actagne2 La France Mutualiste contract in an agency or at your home, depending on your choice.
*The net rate of management fees and gross social and tax contributions for the fund in euros of the contract. Past returns are no guarantee of future returns.
The prices are given for information only and are subject to change. Some links are tracked and may generate a commission for Le Point. Content designed and offered by Le Point Services. The editors did not participate in the production.
