life insurance is moving away from the savers lambda for bet on affluent clients. It has the advantage that, for insurers, not only to fund euros, and focus more readily on the units of account in the capital not guaranteed and are composed of riskier products (equity in particular).
“gathering on the funds in euros, which still represents 76 % of gross inflows in 2018, would be a problem for insurers in a period of extremely low,” says Cyrille Chartier-Kastler, chairman of the cabinet, Good Value for Money (GVfM), which has published its annual barometer of the life insurance. The fund in euro classics are indeed invested 81 % in bonds, which represents a challenge when the OAT to 10 years (loan from French State) passes regularly into negative territory, as is the case for the month of July. Insurers are doing everything to curb this collection.
“One can ask if the life insurance is not losing its dimension of “savings product for all”
How? By introducing, for several years already, an obligation to pay a part …
