Crdit Agricole’s star life insurance remains well below 1%. The fund in euros of this contract remains 0.65%.
No miracle in 2021. Predica, the personal insurance subsidiary of Crédit 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 his most popular contract, remains 0.65%, as in 2020. After taking into account social contributions, the fund in euros of this contract therefore only brings in 0.54% net of social security contributions, well below the 1% of the Livret As of February 1. A performance that places Predissime 9 at the bottom of the 2021 ranking.
Life insurance: all 2021 rates, from best to worst
For the first time, contract holders are encouraged to bet on unit-linked (UA) vehicles to boost their savings. The support fee in euros is therefore 0.65% with less than 25% UC in the contract, but it increases to 1.05% with 30 to 50% UC, and even reaches 1.45% if the customer holds more than 50% CPU.
The valued PERs
Similar logic on the higher-end Floriane 2 contract: the base rate remains 1.05%, but the return is increased 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% UA. The remuneration of the Predissime 9 and Floriane 1st generation contracts, closed to marketing, has not been disclosed.
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On the other hand, the Crdit Agricole group continues to support the retirement savings plan (PER). The return paid on the PER of Predica see their remuneration reach 1.70% as in 2020.
Life insurance: the comparison of reduced cost contracts
The 2021 remuneration of life insurance at Crdit Agricole
Here are the known yields for the euro funds of the main Crdit Agricole life insurance contracts:
- Predissime 9 series 2: 0.65% in 2021 (less than 25% UA), as in 2020
- Floriane 2: base rate of 1.05% in 2021, as in 2020,
- PER Outlook: 1.70% in 2021 on the fund in euros, as in 2020