assortment exceeds 50 billion euros for the primary time in fifteen years | EUROtoday

For the primary time since 2010, web assortment from life insurance coverage exceeded the ceiling of fifty billion euros (50.6 billion euros), in keeping with the report from France Assureurs, the affiliation which brings collectively gamers within the insurance coverage sector. The envelope thus attracted 22 billion euros greater than in 2024, bringing its excellent quantities to 2,107 billion euros (+ 6%).

In element, households positioned 192.1 billion euros of their contracts and insurers supplied 141.4 billion euros in advantages. The latter are down 3% in comparison with 2024 (-5 billion euros) and primarily concern euro funds (−4.5 billion euros). The very sturdy life insurance coverage assortment in 2025, nevertheless, stays removed from its absolute document of 2006 (64.8 billion euros).

Its composition, nevertheless, reveals a pause within the collapse of the euro fund. Since 2014, it has continued to lose floor, to the advantage of models of account (UC, diversified and unguaranteed helps) which have eaten up an ever-increasing share of life insurance coverage collections (practically 84% in 2025). It even fell into the purple in 2020, struggling 5 consecutive years of outflows, with a low level in 2023 at nearly -29 billion euros. In 2025, it was in a position to return to constructive fundraising, attracting 8.1 billion euros web.

Much extra danger

Such a powerful shift from households to models of account might at first sight be stunning. These automobiles expose them to the monetary markets, with greater return goals than the euro fund, but additionally far more danger. An funding for higher and for worse. Conversely, the cash they place within the euro fund is absolutely protected by the insurer, defending them from any lack of capital.

If UCs have attracted contract holders a lot, it’s above all as a result of insurers pushed them to take action. For a number of causes, financial and regulatory, the euro fund has grow to be too costly for them to insure. They have due to this fact been working for a number of years to encourage funding in models of account. The drop within the return on the euro fund has lastly satisfied savers. “Redemptions are mainly made from euro funds while payments are made mainly to UC”underlined Paul Esmein, common director of France Assureurs, through the presentation of the 2025 figures.

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