Get a Glimpse of Life Insurance Performers in 2024-2025 🔍
Ranking of Top Euro Funds in Life Insurance: Comparison of Over 1000 Insurance Contracts
Your quest for financial enlightenment has led you here, seeking insights on life insurance's stellar acts of 2024-2025? Here's a sneak peek to help you make informed decisions!
Life insurance is once more shining bright. After hitting rock bottom at 1.10% in 2021, the yearly average interest rate on funds of life insurance contracts experienced a remarkable surge in 2022 (1.92%), and continued its ascent in 2023 (2.60%), as per the ACPR (Prudential Supervision and Resolution Authority). Despite a plateau in 2024, a stable 2.6% average return on guaranteed capital support was observed, according to France Assureurs.
But let's not forget that averages can obscure the vast disparities lurking between contracts. As asserted by Cyrille Chartier-Kastler, founder of Good Value for Money, these differences have indeed narrowed down in 2024, with outstanding returns of up to over 4% on the top euro funds, contrasting with a dismal 1.20% on the floppers. This inspiring growth has encouraged savers to flock back to life insurance in 2024, to the detriment of Livret A, among others.
Precious Gems at the Top of the Pile 💎
Among the crème de la crème, two mutuals have set the bar high. Ampli Mutuelle announced a gutsy 3.75% net management fee-free rate served on the funds of its life insurance contract, while Garance, ever a trailblazer on the market, proclaimed a impressive 3.5% return. Another force to be reckoned with, La France Mutualiste, shared a rate of 3.60%.
Curious to discover who's leading the 2024 vintage? Corum Group has managed an astonishing 4.65% return on its Corum Life contract, adding to their previous 4.45% in 2023. Meanwhile, Afer was left behind, distributing a rate of 2.51% to its 750,000 members, just slightly below the sector average.
>> Your Turn - Give our life insurance comparator a whirl 💼
Life Insurance: Why Your Euros' Return Could Take a Dive in 2024 📉
Wishing to explore the entire landscape of life insurance performances? Dive into our comprehensive comparative table of 2024 returns, built using data from Good Value for Money. As of May 9, 2025, this table includes returns from 1044 contracts, with prior-year figures for comparison.
All yields are offered net of management fees but before social levies (17.2%) and potential taxation.
Side by side with this article, find insightful resources like Livret A, LEP, LDDS: all you need to know about the rate changes on February 1st and more! 📚🚀
Insights and Expanded Views 🌱
- Financial Strength Ratings: Insurers are given ratings based on their financial stability and their ability to fulfill promises to policyholders. For example, Guardian Life Insurance holds an outstanding A++ rating from AM Best, signaling superior financial strength.
- Customer Satisfaction: Ratings from organizations such as JD Power mirror customer satisfaction levels with insurers. Guardian Life Insurance, for instance, has a customer satisfaction rating of 784, indicating approval from its clientele.
- Policy Options and Flexibility: Offering a range of policy types and flexible features adds to a company's attractiveness. Feature-rich companies like MassMutual and Guardian generally win consumers' favor.
- Premium Costs and Benefits: Competitive pricing and substantial benefits boost a policy's appeal. Companies like Nationwide offer cost-effective term life policies.
- Customer Disputes: Fewer customer complaints signify better performance. MassMutual, for example, experiences fewer-than-expected complaints.
When searching for a detailed comparison of over 1,000 life insurance contracts, it is advisable to consult specific research reports or publications from Good Value for Money or similar entities. 🏆
- Investing in home-and-garden improvements could prove beneficial, as higher returns on life insurance contracts in 2024-2025 may free up personal-finance resources for such projects.
- In the realm of personal-finance decisions, understanding financial strength ratings, customer satisfaction, policy options, premium costs, and customer disputes can help potential investors make informed choices when labeling life insurance companies.
- As life insurance performers continue to evolve and outperform other financial products like Livret A, it's essential to keep a close eye on the sector, making comparisons and using tools like life insurance comparators to ensure you're making the best investments for your lifestyle and financial goals.
