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Life insurance simulator

Compare your current life insurance contract against switching to Finary Life. Accounts for the tax event of selling existing assets and projects the break-even point.

Contract details

Enter the details and fees of your current life insurance contract.

Contract details

Current value
EUR
Net invested
EUR
Contract age
YEARS
Contract split
UC (50 %)Euro fund (50 %)

Contract fees

Average holding fees
%
UC management fees
%
Euro funds fees
%
Entry fees
%
Exit fees
%

Investment profile

Simulation*

* Tax calculations apply to premiums invested on or after 27/09/2017 and exclude high-income surcharges (CEHR). The €150,000 threshold above which the 12.8% rate applies is assessed on this contract only. If you hold other life insurance contracts, your actual tax may differ. Before making any decision, we invite you to review the pre-contractual documents (KID, policy terms and conditions) and complete our subscription process.

A question about Finary Life?

No answer to your question? Check our help center

Who is Finary?

Finary is a wealth management platform that helps you track, grow, and optimize your assets across all accounts and asset classes.

What is the tax advantage of life insurance?

French life insurance benefits from favorable tax treatment after 8 years of contract, with annual abatements on gains for each withdrawal.

Who is our partner Generali?

Generali is the insurer backing Finary Life. Your assets are held and insured by one of the largest insurance groups in Europe.

What sets Finary Life apart from other contracts?

Finary Life offers low management fees, a wide selection of unit-linked options including well-known ETFs, and a fully digital experience managed from your Finary dashboard.

How does this simulator work?

The simulator compares your current contract against a Finary Life contract over the horizon you choose. It factors in your fees, your risk profile, the tax impact of switching, and runs thousands of market scenarios to give you a realistic projection.

Why do fees matter so much?

Over 20 years, a 1% gap in annual fees can mean more than 20% less final capital. Our projection highlights the compounded effect of management fees, fund fees, and entry fees on your savings.

What is the difference between euro funds and unit-linked (UC)?

Euro funds offer a capital guarantee with moderate returns. Unit-linked (UC) investments are exposed to financial markets, with higher potential performance but a risk of capital loss. The simulator applies distinct fees to each allocation.

How is the break-even point calculated?

The break-even point is the moment when Finary Life catches up with your current contract after accounting for the tax cost of surrender. It depends on the fee gap, your risk profile, and the tax age of your existing contract.

Can I transfer my existing contract to Finary Life?

In France, a life insurance contract cannot be transferred between insurers without a surrender. The simulator projects the impact of surrendering your current contract and reinvesting with Finary Life, including the tax event.

Is my data secure?

No data entered in the simulator is stored on our servers. Your amounts and fees stay in your browser. When you open a Finary Life contract, our partners follow banking and regulatory security standards.

How do I open a Finary Life contract?

Click the open button to start the online subscription. You will be guided step by step to set your contributions, choose your allocation, and sign electronically. The process takes about 10 minutes.

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