Life insurance in account units benefits from the embellished market

Life insurance in account units benefits from the embellished market

Life insurance

After years of lean cows, the Paris Stock Exchange resumes colors in recent months and even repeatedly ironed the symbolic bar of the 5000 points, a threshold that CAC 40 no longer crisis from the subprime crisis in 2008.

Life insurance in units of account

This attractiveness promotes media in units of account of life insurance contracts, mainly invested in shares. The insureds do not deceive it and widely diversify their contracts in this direction. The share of the units of account in the collection of life insurance has literally exploded in recent months: + 14% in 2013, +17% in 2014, and already + 38% compared to last year! In the first quarter of 2015, nearly 21% of the contributions that were paid on these supports, ie € 7.2 billion.

This renewed interest also explains in part by the collapse of the remuneration served by the funds in euros, the substrates essentially invested with bond and monetary products whose rates are historically low - around 0.4% for France .

A situation that should not arrange in the coming months: the European Central Bank launched in March a broad redemption program of public and private debts called QE, for "quantitative easing" (quantitative easing), whose action can Allow to maintain these rates at the lowest.

The investment model based in full funds in euros does not seem to be more compatible with the realities of the current financial world. Holders of life insurance contracts, if they wish to benefit from a satisfactory performance, now have every interest in taking advantage of the situation to diversify their contracts for the units of account. Be careful, however, to remember that these supports can be subject to fluctuations, rising or downwards, based in particular on market developments.