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Life Insurance: Savers are (a little) less tied to capital guarantee in online contracts – Mieux Vivre Votre Argent

Capital guarantee or fee amount? According to a study by Placement-direct.fr, holders of life insurance contracts with assets of more than 30 thousand euros do not have the same expectations online or on paper.

Savers who do not have the same criteria online or via a paper subscription. If a start-up capital guarantee is the concept life insurance holders are most sensitive to in contract selection (60%), then this only applies to subscribing in paper form, according to a study by Placement-Direct. Created by Ifop. This is actually only third (46%) among online life insurance contract holders, behind the standard fee on payments (55%), and then the annual management fee (54%), according to the study. And if 24% of all contract holders think they know the level of their contract costs well, 41% say so on the part of online contract holders.

More Online Contract Arbitration

Online life insurance policy holders are also more active. ” Thus 45% have implemented the arbitrage in the past 12 months and 34% envision it within the next 12 months. These numbers are only 32% and 24%, respectively, of all savers surveyed.“, confirms placement- Direct.fr. Another interesting point: online life insurance contract holders are almost half (45%) to estimate that their savings bring them back more than the inflation level. And this percentage drops to less than a third (32%) ) for all contract holders.

Not surprisingly, in the current inflationary environment, 56% of online life insurance holders have changed the way they manage their policy – by participating more or asking for more advice. The rate is ‘only’ 40% for all savers questioned. Finally, the life insurance broker notes that among savers who show interest in online life insurance (but do not necessarily own it), in addition to the level of fees, a reason widely supported by 57% of them, the flexibility offered through this type of solution , which allows them to manage their contracts at any time, is the dominant standard (52%).

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