The progression of life insurance contracts in the heritage of the French
The interest of French households for life insurance has increased for about fifteen years. This savings product remains unsurprisingly the preferred placement of the French. Possible variations are numerous, such as the Agipi Clerk.
The evolution of the percentage of households with at least one life insurance contract
In 2004, 26.2% of French households had at least one life insurance contract. In 2018, the proportion of households who chose this type of investment reached 39% of the population.
Father's fathers with at least 60 years are almost twice as many than those who are under 30 years of age to have subscribed at least one life insurance contract. In addition, just over two-thirds of the executives and members of the liberal professions who have retired have one or more life insurance contracts. Ancient farmers are 58% to have chosen this type of savings product. With regard to traders or retired business leaders, 53% of them made this choice.
The increase in life insurance contracts has been at the expense of the holding of the traded securities portfolios. Indeed, the proportion of households with securities increased from 24.2% in 2004 to 15.6% in 2018.
The causes of this evolution
The decline in the number of people with a portfolio of publicly traded securities can be explained by the fact that many French people are suspicious of risky investments. This attitude is understandable because to manage it successfully a portfolio of shares, it is essential to have a strong financial culture. As a result, people who do not have the chance to have higher education in economics or who are not finance professionals are hardly encouraged to buy actions themselves.
In addition, the financial crisis that took place in 2008 was not likely to attract savers to the scholarship. The reassembly of the financial markets that took place after this crisis and the strengthening of stock market laws were not enough to stop this evolution. The same is true with respect to the tax benefits offered by the Share Savings Plan.
However, people who have chosen life insurance are more interested in multisault contracts because the return of euro funds has continually declined until 2017, in which he did not exceed 1.8%.
The multi-media contract makes it possible to diversify its investments by arbitrant between funds in euros totally secure and more risky investments, but providing better performance. In particular, savers can indirectly make real estate investments without the management constraints of this type of investment. They can also take advantage of opportunities offered by companies located in carrier markets such as health or the environment.
The criteria to be taken into account for the choice of a life insurance contract
By choosing a multi-media contract, the investor is likely to benefit from better performance, but it takes more risks. As a result, it is essential that it compares the past performance of the different contracts among which it must make a choice. In addition, it has interest to inquire with the Autorité des Marchés Financiers to verify whether the agencies proposing contracts comply with their obligations.
Like most French, it must adapt the level of risk to its age. French savers with less than 35 years are 42% to be sensitive to the safety of their investments. But this criterion is considered the most important by people who are over 55 years old. Some indications are always helpful in helping to choose the contract offering the best risk-risk ratio.
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