Ever up's Blog

Attractiveness of investment products for mass consumer

I am sceptical on the value proposition of the united linked contracts offered in France by Insurers. I would be very curious if it is a concern shared with other French and if it is also an issue other countries have.

In France, mass consumer access different families of products for investment and saving. Apart from real estate, individual savings are generally roughly split between securities accounts (especially PEA –  a securities savings plan driven by tax incentives) and life insurance contracts (Euro, UC – unit-linked contract…).

In this environment, one can wonder what the value proposition of the unit-linked contracts is. If you compare this product with the PEA, clients are taking the same risks whereas they pay significant fixed administrative fees.

If you are looking quickly on google for finding articles on advantages of unit-linked contracts, you will have a poor result, which means that a large place for innovation exists in the futur, combining marketing and design areas.

Therefore, I am very interested to discuss with you about the value proposition of such product in France or similar one abroad. Why mass consumer should buy them?

Patricia Egard
Founder of Ever Up, Consulting in Strategy and Entrepreneur
For continuous profitability in Financial Services