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Revalorisation 2016 des contrats d’assurance-vie et de capitalisation – engagements à dominante épargne et retraite individuelle

Author

Listed:
  • Capitaine, G.
  • Frey, L.

Abstract

Dans un contexte de taux bas, le niveau des taux de revalorisation servis aux assurés appelle une vigilance particulière du superviseur, au regard de ses objectifs de contrôle prudentiel et de suivi des pratiques commerciales en assurance-vie. Le taux de revalorisation moyen des fonds euros des contrats individuels, net de frais de chargement (mais avant prélèvements sociaux), pondéré par les provisions mathématiques correspondantes, s’élève à 1,93 % au titre de 2016 après 2,27% au titre de 2015 et 2,54% au titre de 2014..

Suggested Citation

  • Capitaine, G. & Frey, L., 2017. "Revalorisation 2016 des contrats d’assurance-vie et de capitalisation – engagements à dominante épargne et retraite individuelle," Analyse et synthèse 84-1, Banque de France.
    • Handle: RePEc:bfr:analys:84-1
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    File URL: https://acpr.banque-france.fr/sites/default/files/medias/documents/20170928-as84_taux-revalo_contrats-epargne.pdf
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    More about this item

    Keywords

    assurance-vie; revalorisation; rachats.;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection

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