Analysis by Good Value for Money of the general terms and conditions of Pouvoir Avenir 2 (assurancevie.com) embedding Suravenir’s new euro fund offer

  • Analyze the general condition of contracts
  • Good value for money

Future Power (assurancevie.com)

Analyze the Good Quality/Price Ratio of the General Conditions

Version as of June 22, 2022

Reference elements

  • Insurer:
  • Type of Contract :
  • Type of contract:
  • Subscribing entity of the collective contract:
  • Version of the analyzed general conditions:
  • Contract status:
    • Open to new subscriptions

Costs

  • Entry fees on payments:
    • No entry fees on payments: 0%
  • Annual management fees on funds in euros:
    • Fund in euros Suravenir Yield 2: 0.60%
    • Fund in euros Suravenir Opportunities 2: 3.00%
  • Annual management fees on the eurocroissance fund:
    • (absence of eurocroissance funds)
  • Investment / disinvestment costs on trackers (ETF):
    • 0.10% of the amounts invested (or disinvested) on each transaction
  • Annual management fees on unit-linked (UA):
    • 0.60% calculated daily and deducted daily by decreasing the number of units of account
  • Additional annual fees on CUs (only) in managed management:
    • 0.20% calculated daily and deducted daily by decreasing the number of units of account

Minimum payment amounts

  • Minimum opening deposit amount:
    • 100€ Fr Free management (minimum investment of €25 per medium)
    • €1,000 Fr Driven management
  • Minimum free deposit amount:
    • 100€ (minimum investment of €25 per medium)
  • Minimum amount of free program payments:
    • Monthly periodicity: 25 € (minimum investment of €25 per medium)
    • Quarterly frequency: €50 (minimum investment of €25 per medium)
    • Semester period: 50 € (minimum investment of €25 per medium)
    • Annual frequency: 50 € (minimum investment of €25 per medium)
  • Payment indexing programs:
    • Possibility for the insured to opt for automatic indexation payment schedules.

“Suravenir Rendement 2” Classic Euro Fund

  • History of rates paid (net of fees and gross of social security contributions):
    • (nil due to the launch of the fund in 2022)
  • Possible investment constraint(s):
    • Investment of at least 30% in units of account to pay everything on Suravenir Rendement 2

Dynamic Euro Fund “Suravenir Opportunities 2”

  • History of rates paid (net of fees and gross of social security contributions):
    • (nil due to the launch of the fund in 2022)
  • Possible investment constraint(s):
    • Accessible euro funds only in free management
    • Investment of at least 50% in units of account to pay everything on Suravenir Rendement 2

Proposed financial management methods

  • Free management:
    • Possible investment in the fund in euros:
      • Suravenir Yield 2 with a minimum share of 30% in UA
      • Suravenir Opportunities 2 with a minimum share of 50% in UA
    • Access to the range of 740 UC offered in free management
    • Possible activation of the following financial management options:
      • Automatic rebalancing
        • Monthly check of the option on the 20th of each month
        • Automatic rebalancing of contract allocation, subject to a minimum arbitrage amount of €25
        • Free arbitrations carried out
      • Progressive investment
        • Splitting of the investment of part of the capital constituted within one or both funds in euros of the contract towards units of account
        • Fixing by the client of the amount to be arbitrated from the starting support(s), with a minimum of €500
        • Choice by the client of the number of arbitrations to be carried out and the corresponding amount
        • Choice by the client of the distribution of his investment at each arbitration
        • Automatic execution of arbitrations during the period requested by the client (or until the savings to be transferred are exhausted)
        • Free arbitrations carried out
      • Boosting capital gains
        • Requirement for a minimum profit share amount to be invested of €25
        • Automatic investment in one or more unit(s) of the profit sharing paid on the euro fund(s) of the contract
        • Realization of the arbitrations, once the PB paid on the fund(s) in euros
        • Free arbitrations carried out
      • Securing capital gains
        • Daily check of the option
        • Choice by the customer of the CPUs on which to set up the option, as well as the corresponding performance threshold for each of them with a minimum of 5%
        • Arbitration only of the capital gain observed
        • Choice by the customer of one or two arrival support(s) in the event of arbitration
        • Free arbitrations carried out
      • Relative stop-loss
        • Daily check of the option
        • Choice by the client of the CUs on which to set up the option, as well as the corresponding capital loss threshold for each of them with a minimum of -5%
        • Arbitrage of the entire investment on the UC in the event of a trigger
        • Choice by the customer of one or two arrival support(s) in the event of arbitration
        • Free arbitrations carried out
  • Driven management
    • Requirement of a minimum contract outstanding of €1,000
    • Choice by the saver of a management profile among the following 3:
      • Moderate Profile : 35% UC and 65% funds in euros Suravenir Rendement 2
      • Balance profile: 50% UC and 50% funds in euros Suravenir Rendement 2
      • Dynamic Profile: 75% UC and 25% funds in euros Suravenir Rendement 2
    • Management of each of these orientations by FIL Gestion (Fidelity)
    • Additional flat-rate billing of 0.20% of the management fees on the contract’s UC
    • Absence of additional invoicing for arbitrations carried out in this context
  • Possible methods of combining the proposed management methods:

Range of units of account offered in free management

  • Classic units of account:
    • 630 heritage units of account issued by 110 management companies
      • including 9 funds labeled Recovery
    • 110 management companies
  • Supports real estate:
    • 12 REITs with an investment limited to €50,000 per SCPI and without exceeding the threshold of 50% of contract outstandings
    • 7 ICS / SCP with an investment limited to €50,000 per SCI / SCP and without exceeding the threshold of 50% of the outstanding amount of the contract (threshold lowered to 30% for SC Tangram and for SC Pythagore)
    • 9OPCI
  • Trackers:
  • Live titles:
  • Private equity funds (unlisted)

Arbitrations

  • Minimum amount:
  • Billing:

Partial redemption

  • Minimum amount:
    • 100€ (with a minimum of €25 per CU)
  • Minimum balance at issue of partial redemption:

Death floor guarantee

  • Maximum amount of insurable loss:
  • Age limit for taking out the guarantee:
    • 75th birthday of the insured
  • Guarantee coverage age limit:
    • 75th birthday of the insured
  • Annual warranty cost:
    • Billing from 0.15% to 5.15% depending on the capital at risk and the age of the insured

Optional accidental death benefit

  • Principle of the guarantee:
    • Payment of a death benefit equal to the surrender value of the contract on the date of accidental death
  • Maximum amount of paid-up capital:
  • Guarantee coverage age limit:
    • 75th birthday of the insured
  • Annual warranty cost:
    • Invoicing up to 0.14% of the capital constituted

To learn more about the analysis of Good Value for Money, click here:

URL link: https://www.goodvalueformoney.eu/produit/selection-sel0000472-pouvoir-avenir-assurancevie-com-selection-2022-2023

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