This December, savers can enhance their financial gains through yield bonuses linked to life insurance policies amidst a favorable average yield of 2.5%. Various offers, including those from Abeille Assurances, BoursoBank, and Fortuneo, provide attractive bonuses for new investments. Additionally, opportunities from Altaprofits and Linxea feature similar incentives, while mutual Carac presents a competitive bonus on its contracts. These options allow savers to maximize returns before the year’s end.
Maximize Your Savings with Life Insurance Bonuses This December
If the anticipated average yield climbs to 2.5% for this year, the financial journey is far from over. Before the year concludes, savers can still capitalize on yield bonuses from euro funds linked to their life insurance policies. Let’s explore the top ongoing offers available this December.
Black Friday Deals Extend to Your Savings
The Black Friday frenzy is in full swing, with retailers unveiling their finest promotions ahead of Christmas. Whether you’re hunting for a stunning evening dress, a new kitchen appliance, or toys for your little ones, there are plenty of bargains to be found. However, discovering exceptional savings isn’t limited to physical stores. You can also find remarkable opportunities for your savings, especially within your life insurance contracts.
In 2023, the average rates for euro funds—risk-free investments that guarantee capital—reached 2.6%. Notably, some contracts have outperformed expectations, such as La France Mutualiste, which boasted an impressive yield of 3.70%. While savers will need to wait a few weeks to see their contract performance, they can take advantage of bonus rates this year, and in some cases, even for 2025. To qualify, savers must meet two key criteria: making a new payment and/or investing a minimum amount in units of account (UC).
Here’s a roundup of the best enhanced rates available this December.
1 – Abeille Assurances Offers Attractive Payment Bonuses
The payment bonus from Abeille Assurances remains active. Their contracts, including Abeille Épargne Plurielle, Abeille Capitalisation Plurielle, Abeille Épargne Active, and Abeille Capitalisation Active, feature a payment bonus of 2%, 2.20%, or 2.40% for 2024 and 2025. Specifically, the guaranteed yield of the Abeille Actif and Abeille euro funds will increase to 2% if the saver invests between 0% and 30% of their capital in units of account (UC), 2.20% for 30% to 50%, and 2.40% for over 50% of UC. This promotion started on April 22 and is valid for payments made until December 20 of this year, with a minimum investment of 5,000 euros required.
The same yield bonus of up to 2.40% applies to the Évolution Vie contract offered through the broker assurancevie.com, also insured by Abeille Assurances. The eligibility criteria remain consistent.
Abeille Assurances notes that the bonus will be calculated on a “pro rata temporis” basis, depending on the amount allocated to the eligible euro support under the offer, provided it remains invested on the effective profit-sharing dates. For 2023, the Abeille Euro and Abeille Actif Garanti funds delivered yields of 2.13% and 2.03%, respectively.
2 – Bonuses from Online Banks: BoursoBank and Fortuneo
Online bank BoursoBank is enhancing ongoing investments with a bonus: an additional 0.50% yield on the euro fund of the BoursoVie contract for 2024 if at least 50% of the contract is allocated to UC by December 31. BoursoVie achieved a performance of 3.10% last year, making it one of the top contracts available.
Not to be outdone, Fortuneo is also providing a bonus for 2024 with its Fortuneo Vie contract, promising an additional 2% on the yield of the euro fund Opportunités 2 under specific conditions. This bonus applies to all free payments made until December 31, provided that savers invest at least 30% in UC.
3 – Additional Opportunities with Altaprofits, Linxea, and MeilleurtauxPlacement
Since July 1, holders of the Digital Vie Prime insurance contract from Altaprofits have been eligible for a 2% bonus on the yield for 2024 and 2025 for any payments made on the euro fund Opportunités 2 until December 31. This offer comes without any investment requirements in units of account (UC).
For reference, the Opportunités 2 fund achieved a performance of 2.5% in 2023. Altaprofits clarifies that the bonus will apply on a “pro rata temporis” basis, provided there are no disinvestment actions (such as arbitrage or redemption) in 2024 and 2025. Any disinvestment activity following payments made between July 1, 2024, and December 31, 2024, on the euro fund Suravenir Opportunités 2 will primarily affect the portion benefiting from the bonus.
Moreover, the same 2% bonus on the yield of the Opportunités 2 fund will benefit holders of the life insurance contract Linxea Avenir 2. Payments made in the context of free management on the euro fund Opportunités 2 between July 1 and December 31, 2024, will qualify for the enhanced yield. Linxea’s website also mentions that any disinvestment movement will primarily affect the portion benefiting from the bonus. The bonus will be applied on a “pro rata temporis” basis.
The boosted yield of 2% from the Opportunités 2 fund will be similarly available to holders of the Puissance Avenir contracts (assurancevie.com) and Meilleurtaux Placement Vie.
4 – Mutual Carac’s Competitive Offer
It’s not just banks and insurers that are providing enhanced rates; the mutual Carac also joins the fray with a bonus of +2.60% (net of management fees and gross of social contributions) on the 2024 yield rate for all payments made from July 15 to December 31, 2024 on the euro fund of contracts such as Carac Épargne Génération, Carac Épargne Patrimoine, Carac Épargne Protection, and Carac Épargne Solidaire.