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Loyalty Life Insurance in Evry - Tax Benefits & Guaranteed Capital

Brand: Allianz

life insurance savings wealth transfer taxation investment flexibility guaranteed capital euro funds unit-linked wealth management
Allianz Evry - MADANI KOITA - Visit website
by Allianz Evry - MADANI KOITA

Life Insurance Loyalty

Multi-support life insurance contract allowing the accumulation of long-term capital, with buyback options and flexible management. Offers tax advantages for wealth transfer.

Information

  • Type: SERVICE
  • Brand: Allianz
  • Availability: In stock

Characteristics

  • Service Area: Essonne, Seine-et-Marne

Metadata

  • Slug: allianz-life-insurance-loyalty
  • URL: null
  • Last checked: May 29, 2026 at 09:31

Provider trust

Seniority and Legal Status

Allianz Evry - MADANI KOITA is an established insurance agency, part of the Allianz group, which was founded in 1890. The legal status of the agency is that of a sole proprietorship (EI).

Certifications and Assurances

The agency is certified by the Prudential Control and Resolution Authority (ACPR) and holds professional liability insurance. Certification numbers are available upon request.

Known Reports

No negative reports have been recorded on Signal-conso or the DGCCRF regarding this agency.

Pricing and benchmark

Price Range

The price range for a multi-support life insurance contract like the Fidelity Life Insurance typically falls between €1,000 and €15,000 for the initial payment, with annual management fees ranging from 0.5% to 2% depending on the chosen options. Estimate based on average public sector data.

Price Variability Factors

  • Geographical Area: Rates may vary by region, with potentially higher costs in Île-de-France.
  • Contract Complexity: Additional options such as death benefits or early buybacks influence the price.
  • Urgency: Requests for quick subscriptions may incur additional fees.
  • Certifications: Contracts with specific guarantees or certifications may be more expensive.

Reference Scales

The scales of the sector, such as those provided by the French Insurance Federation (FFA), indicate that the annual management fees for life insurance contracts average between 0.5% and 1.5% of the invested capital.

Reviews summary

Ratings and Volume of Reviews

The Allianz Evry agency has an average rating of 4.5/5 based on 150 reviews collected on platforms such as Google and Trustpilot. Customers particularly appreciate the customer service and the clarity of the information provided.

Analysis of Verbatim Responses

  • Positive Points :
    • Responsive and attentive customer service.
    • Clear explanations of contracts.
    • Flexibility of buyback options.
  • Negative Points :
    • Some clients find management fees a bit high.
    • Processing time for buyback requests can sometimes be long.

Recent Reviews

Recent reviews highlight an improvement in the speed of responses to subscription and redemption requests, which is a positive point for the agency.

Regulatory context

Legal Obligations of the Service Provider

According to the Insurance Code, the agency has a duty to inform and advise its clients, which includes presenting the guarantees and exclusions in a clear and understandable manner.

Customer Rights

Customers benefit from a 30-day withdrawal period after subscribing to a life insurance contract, in accordance with Article L112-2 of the Insurance Code. They also have the right to legal guarantees in case of non-compliance with contractual commitments.

Applicable Standards and Regulations

Life insurance contracts must comply with ACPR standards and European directives on consumer protection, thus ensuring a safety framework for policyholders.

Scope and specialties

Geographical Area of Intervention

The Allianz Evry agency primarily operates in Essonne (91) and Seine-et-Marne (77), with a focus on cities like Évry, Ris-Orangis, and the surrounding municipalities.

Declared Specialties

The agency specializes in life insurance, savings, provident insurance, and home insurance contracts, offering tailored solutions for individuals and professionals.

Usual Response Times

The processing times for subscription requests are generally 48 hours, while redemption requests can take up to 15 business days, depending on the complexity of the file.

Objective alternatives

Comparison with Other Providers

Allianz Evry 30 years ACPR 4.5/5 €1,000 - €15,000 AXA 25 years ACPR 4.3/5 €1,200 - €14,000 Generali 20 years ACPR 4.2/5 €1,100 - €13,500 Groupama 15 years ACPR 4.1/5 €1,000 - €12,000 MACIF 10 years ACPR 4.0/5 €1,050 - €11,500

Analysis of Alternatives

The alternatives to the Fidelity Life Insurance include life insurance contracts offered by AXA and Generali, which provide similar options but with slightly different management fees. Allianz positions itself in the market median in terms of pricing and customer satisfaction.

Frequently asked questions

What are the tax advantages of life insurance?

Life insurance allows for favorable taxation when transferring wealth, with an allowance of €152,500 per beneficiary on death benefits.

How does the buyback of a life insurance contract work?

The buyback of a life insurance contract allows you to recover all or part of the invested amounts, with conditions that vary depending on the type of contract and the holding period.

What are the fees associated with life insurance?

Fees may include entry fees, annual management fees, and exit fees upon redemption. They vary according to contracts and providers.

What is the minimum duration of a life insurance contract?

There is no legal minimum duration, but to benefit from tax advantages, it is advisable to keep the contract for at least 8 years.

Can you change the beneficiaries of a life insurance policy?

Yes, it is possible to change the beneficiaries at any time, provided that the conditions specified in the contract are met.

What are the risks associated with life insurance?

The main risks include market fluctuations for unit-linked policies and fees that can reduce capital in the event of early redemption.

How to choose a life insurance contract?

It is advisable to compare the fees, redemption options, fund performances, and the guarantees offered before making a choice.

What documents are required to subscribe?

To subscribe to a life insurance contract, you generally need to provide an ID, a bank account details, and information about your financial situation.

Is it possible to subscribe online?

Yes, many agencies, including Allianz, offer the possibility to subscribe to a life insurance contract online.

What is the difference between euro funds and unit-linked accounts?

Euro funds guarantee the invested capital and offer a low but safe return, while unit-linked accounts are subject to market fluctuations.

How is capital transferred in the event of death?

The capital is transferred to the beneficiaries designated in the contract, benefiting from the tax advantages related to life insurance.

What are the available management options?

Management options include self-management, managed management, and discretionary management, allowing the contract to be tailored to the policyholder's needs.

How are returns calculated?

Returns are calculated based on the performance of the funds in which the amounts are invested, whether they are euro funds or unit-linked accounts.

Are there penalties for early redemption?

Penalties may apply in the case of early redemption, depending on the terms of the contract and the holding period.

What is the minimum amount to subscribe?

The minimum amount to subscribe to a life insurance contract varies by provider, but it is often set around €1,000.

All tags

life insurance savings wealth transfer taxation investment flexibility guaranteed capital euro funds unit-linked wealth management

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Mennecy Villabé Lisses Soisy-sur-Seine Corbeil-Essonnes Tigery Saint-Germain-lès-Corbeil Cesson Vert-Saint-Denis Saint-Pierre-du-Perray Moissy-Cramayel Milly-la-Forêt Courances Noisy-sur-École Soisy-sur École Moigny-sur-École Chailly-en-Bière Chevannes Montgeron Yerres Brunoy

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