Diversification in life insurance in a context of financial market turbulence
276 Pages
French
Release :
2020-12-01
How do operators communicate to encourage diversification in life insurance and how do prudent savers understand risk and react to the different incentives?
AUTHOR
Bertrand MINOT
Studies project manager
Analyze operators' communication to encourage diversification in life insurance via their websites and direct marketing (arguments used, educational elements, incentive methods, etc.).
Investigate life insurance holders regarding their attachment to the euro fund and their reluctance to diversify
Objectives of the study
Companies analyzed
Study methodologies
Aviva
Axa
Popular Bank
BforBank
Boursorama
Savings Bank
CIC Crédit Mutuel Arkéa
Fortuneo
GAN
Groupama
ING Direct
MAAF
MAIF
MiFID
Monabanq
Professional construction
Societe Generale
Semi-pragmatic analysis of communications from 20 operators
The communications come from the operators' sites and our DMM (Digital Marketing Monitor) database from which we extracted direct marketing documents covering the period from 01/01/2020 to 09/01/2020.
One-hour individual face-to-face interviews with 20 life insurance holders
The 20 life insurance holders were between 30 and 50 years old / 50% having an outstanding amount on their life insurance of 50,000 to 100,000 euros / 50% having an outstanding amount on their life insurance of 100,000 to 150,000 euros / 10 having 100% of their investment in euro funds / 10 having invested in UC (between 1 and 20%).
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