Each year, the essay analyses the main life insurance contracts on the market. Here is our opinion on the contracts Redwood and Ebony of the Society in General.

Redwood

Opinion of the editorial : bad

Started in 1994, the mpt was at the end of 2016 approximately 540 000 holders to 41.7 billion euros under management. A liner in the market, therefore, only 109e of our Great Prices 2017. Due to the fund in euro to the sentence. Its rate of 2016, ran from 1.30 to 1.50 %. Hardly reassuring, even if the insurer Sogécap has about 4 % of reserves. The high operating costs, is 0.96 % per year, partly explain this result. excluding social security contributions.

On the payments, the insurer applies 3 % fee, a reduced level of 2.50% beyond 15000 euros. Otherwise, the contract contains 60 brackets, risky, three of which real estate, almost all managed by companies of the group. A pity that no arbitration free is intended to encourage a more active investment by the insured. Note : the contract includes a guaranteed death without extra cost. And annuity options sophisticated are proposed to the output.

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Ebony

Notice of drafting : medium

This is the contract top of the range of the Société Générale, with the first payment of 150000 euros at least. To his credit : a financial offer of 70 stands with stone paper; safeguards contingency expanded, including a warranty death included in the fee, with a sum insured is high; of the possibilities of output into a life annuity highly developed.

on The side of costs, by contrast, the rate is 2.50 % on the payments, flattering, but still too high for this level of investment.

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For the management, intend to 0,84% per year. And on the trade-offs, 0.50% in the act (up to 75 euros), none of which are offered in the year. Contractually, at least. The funds in euros is based on the general assets of Sogécap. He won in 2016, with 1.85 % (1,90 % in Private Banking). The insurer has good reserves of performance. Hope that they will be used in the future to maintain the rate in the good waters.