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Aug 09
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After recovering from adverse consequences of the crisis on the purchasing power of households, Life insurance must again compete with a worthy opponent, The life insurance is losing speed. The announcement of the increase in the rate of return Li does not promote the collection and tends to confirm the decline in growth.
Thelife insurance is insurance for the insured to receive a capital in case of death or survival. So this is a contract that includes both cases and is limited to one term in advance. It can be likened to a savings product as it has the same tax benefits. Despite the interests of the life insurance. It continues to lose against other growth investments. Even if he has a good alternative to the funds grow, it is still struggling to attract and this decline seems persistent. Statistics from the FFSA, French Federation oflife insurance does in fact confirm this hypothesis.
Slower growth of life insurance, what are the causes?
What explanations given to this low public enthusiasm for the life insurance? At first glance, this sector has regained some stability since March 2009. This increase was mainly driven by a downward revision of the remuneration of A booklet from 4% to 2.5%. A turnaround is disturbing, however, this recovery because the A booklet gaining more and more ground, especially since his salary rose earlier this month.
In addition, the interest of investors for the funds in euros, less risky and more secure is far from dull. The life insurance, So do not soon will establish with growth if one believes the harbinger of Statisticians FFSA. The increase in contributions in April and May has apparently been felt and investors prefer to bet on a future more stable and reassuring by investing in funds in euros.