Life Insurance Simulator
Project your life insurance capital with euro funds and unit-linked funds, and compare taxation before and after 8 years.
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Life insurance: France's favourite savings vehicle
Life insurance combines flexibility, tax advantages after 8 years and a favourable estate framework (€152,500/beneficiary).
Euro funds vs unit-linked funds
Euro funds offer capital guarantee (2.5-3%). Unit-linked funds offer higher potential (6-8%/year) but without guarantee.
Favourable taxation after 8 years
After 8 years: €4,600 allowance (€9,200 couple) on gains, then reduced rate of 24.7%.
Frequently asked questions
Is life insurance locked in for 8 years?▼
No, withdrawal is possible at any time. The 8 years relate to the tax advantage.
What return for the euro fund?▼
2.5-3% on average, up to 4% for the best contracts.
Are fees important?▼
Yes, 0.5% vs 1% over 20 years can mean tens of thousands of euros difference.
Life insurance or PEA?▼
PEA is more advantageous for EU equities. Life insurance is more flexible with a better estate framework.
What happens on death?▼
Transfer with €152,500 allowance per beneficiary, outside the estate.
Track your life insurance
Centralise all your contracts and track their performance.
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