Crdit Agricole’s star life insurance remains well below 1%. The euro fund of this contract remains 0.65%.
No miracle in 2021. Predica, the credit insurance subsidiary of Crdit Agricole Assurances, has just presented this Wednesday the remuneration of these life insurance contracts. And the remuneration of Predissime 9 series 2, the euro fund of its most popular contract, remains 0.65%, as in 2020. After taking into account the social security contributions, the euro fund of this contract therefore reports only 0.54% net of social security contributions, well below the 1% of the Booklet as of February 1st. A performance that puts Predissime 9 in the lead of the 2021 rankings.
Life insurance: all rates 2021, from best to worst
For the first time, contract holders are encouraged to rely on unit of account (UC) media to boost their savings. The remuneration of the support in euros is therefore 0.65% cu less than 25% UC in the contract, but it passes 1.05% with 30 50% UC, and reaches even 1.45% if the client holds more than 50% UC.
The PER values
Similar logic to the higher-end Floriane 2 contract: the base rate remains 1.05%, but the yield is improved according to the UC rate: 1.45% for more than 30% UC, and 1.85 % on the fund in euros for the year 2021 for 50% UC. The remuneration of the Predissime 9 and Floriane 1st generation contracts, which were closed for marketing, was not disclosed.
Retirement: save by paying less taxes. 11 comparative contracts
On the other hand, Le groupe Crdit Agricole continues to support the Plan d’pargne retraite (PER). The return on Predica’s PERs is expected to reach 1.70% as in 2020.
Life insurance: a comparison of reduced-cost contracts
2021 remuneration for life insurance at Crdit Agricole
These known results for euro funds from the main agricultural credit insurance contracts:
- Predisime 9 series 2: 0.65% in 2021 (less than 25% UC), as in 2020
- Floriane 2: base rate of 1.05% in 2021, as in 2020,
- PER Perspective: 1.70% in 2021 on the euro fund, as in 2020