Most insurers question general funds. In Afer, you have decided to defend them. Why ?
The obligation imposed on insurers to strengthen their own funds and the environment of low interest rates have undermined the life insurance model that has been in force for nearly half a century.
However, Afer sees in this news real opportunities for the future.
General funds represent 1,500 billion euros, more than 4 times our national budget and 80% of our gross domestic product (GDP).
Education and dialogue between insurers and policyholders will make it possible to find new solutions to mobilize this savings.
General funds represent a real national treasure that we will know how to use to support sectors of the future such as the productive economy, employment, young people, ecological transition or French Tech.
Does this mean that we should not be interested in units of account?
On the contrary, units of account are perfect tools for diversifying your investments.
However, you have to know how to use them at the right time.
Over time, these investment vehicles boost savings performance without sacrificing security too much.
Certain funds, such as the euro-growth fund, also make it possible to combine term guarantees and market opportunities.
In order to reconcile the French with risk-taking and restore their trust in a lasting way, Afer is campaigning for greater stability of legal and fiscal rules.
Our elected officials must stop questioning the regulatory framework for savings, because this creates insecurity that is not conducive to investment.
To attack savings is to attack the 18 million French people who have a life insurance policy.
Where is the sale of Aviva France?
The veto right held by Afer protects our members, even if we prefer to favor dialogue.
Insurers should better understand insureds.
As President of Afer, I believe in the wisdom of our British friends, through which we have built a successful model for forty-five years.
With their help, we will be able to accept a new partner who respects our DNA, our consumer values and the interests of the members of our association.
We will also pay particular attention to the longevity of our distribution network, which boasts 2,000 dedicated agents and brokers.
The sale of Aviva will be an opportunity for Afer to reaffirm its identity and to commit to a new long-term development.