Life insurance: ranking of the best contracts of 2024

Would you like to know how much your life insurance earned you in 2024? Or choose from the best contracts on the market in 2025? Find the returns on euro funds in our comparative table, drawn up using data compiled by Good Value for Money.

Capital Video: Life insurance: our comparison of 2023 rates for all euro funds, contract by contract

• 
  

  To safeguard
  
  
  

  Saved
  

Slight decline in sight. After a historic low of 1.10% in 2021, the average interest rate paid on euro funds for life insurance contracts has risen for two years: 1.92% in 2022, then 2.60% in 2023, according to the ACPR (Prudential Control and Resolution Authority). A dynamic which should end in 2024, since the average return on guaranteed capital supports is expected to be 2.50% on average by the Facts & Figures firm.

However, we must keep in mind that this is an average, which may hide significant disparities in performance across the more than 1,000 contracts that we have identified in 2023. According to Cyrille Chartier-Kastler, founder of the Good Value for Money firm, which compiles the rates for these different products each year for Capital, the gap should however be narrower in 2024 than in 2023, with returns which do not will not exceed 4% for the best euro funds, and which will go down to 1.20% for the worst.

The best rates are currently for mutual insurance companies

An anticipation which has already been confirmed for the top of the basket, since two mutual societies which will undoubtedly appear at the top of the ranking have announced their good performances from January 1st. Ampli Mutuel has thus announced a rate of 3.75% net of management fees* used on the euro fund of its life insurance contract. For its part, Garance, accustomed to serving among the best rates on the market for several years, reported a yield of 3.5%.

>> Our service – Test our life insurance comparator

Among the best students expected in the 2024 vintage, we will also have to look at the Corum group (whose rate peaked at 4.45% in 2023), the online broker Placement-direct.fr (4.10% in 2023 ), or another mutual, La France Mutualiste, which had posted a return of 3.70% over the previous financial year. Among the major events of this month dedicated to the performance of savings contracts, we will also note, on January 15, the announcement of the rate that the French Savings and Retirement Association (Afer) reserves for its 750 000 members.

Our comparison table

Here is what we should expect from the announcement of life insurance returns in 2024. You will be able to find, through communications from insurers, all these rates in our comparative table, constructed using data from Good Value for Money . In the meantime, we have reproduced here the 2023 ranking of more than 1,000 contracts that we established last year. While waiting for 2024 rates, it allows you to position your savings product in relation to the competition.

* Annualized return net of management fees, but before social security contributions (17.2%) and possible taxes.