Multi-media life insurance management spaces
218 Pages
French
Release :
2022-05-03
Benchmark of websites & mobile applications from more than twenty operators
AUTHOR
Stéphanie RIBAU
Studies project manager
Identify the information available for consultation (contract valuation and performance, presentation of asset allocation, supports, history of operations, etc.) and identify the most innovative presentations
Identify the characteristics of the investor questionnaires used (objectives, investment horizons, financial experience and knowledge, risk profile, etc.) and their method of integration into the management space (possibilities of updating, insertion into transactional processes)
Describe all the operations that can be carried out (payments, arbitrations, redemptions, method of selection of media, advances, modifications of management options, etc.) and identify the most efficient processes
Identify communications and tools aimed at encouraging policyholders to diversify
Present the way in which ISR, Greenfin and Finansol Funds are highlighted within the management spaces
Objectives of the study
ONLINE DEFINITION OF THE INVESTOR PROFILE
1 Perimeter
2 Questioning Process - Personal information - Investment objective(s) and horizon - Financial knowledge and experience - Risk appetite
3 Viewing the profile Presentation and explanation of the recommended profile - Details on the recommended profile
4 Proposed asset allocation Recommended allocation - Presentation of asset allocations - Possible actions regarding the recommendation
INTERNET MANAGEMENT SPACES
1 Perimeter
2 Information available on life insurance General information - Contract valuation and performance - Asset allocation - Focus on supports - Pension options and beneficiary clause - History of operations
3 Operations that can be carried out on the contract and their supervision Payment - Arbitration - Redemption - Media selection method - Modification of the investor profile - Other functionalities
4 Incentives for diversification Communication aimed at encouraging diversification - Focus on ISR, Greenfin and Finansol funds
MANAGEMENT SPACES ON MOBILE APPLICATION
1 Perimeter
2 Information available on life insurance General information linked to the contract - General information linked to operations - History of operations - Information on the media - Pension options and beneficiary clause
3 Operations carried out on the contract and supervision of these Payment - Arbitration - Redemption - Update of the investor profile - Other functionalities
4 Incentives for diversification Communication aimed at encouraging diversification - Focus on labeled funds
Companies analyzed
Study methodologies
Banking network:
BNP Paribas
Savings Bank,
Agricultural credit,
Crédit Mutuel Alliance Fédérale,
Crédit Mutuel Arkéa,
The postal bank,
LCL,
Societe Generale
Insurance network:
AFER,
Allianz,
AXA,
Groupama GAN,
MAAF,
MACIF,
MAIF*,
MIF,
Pro construction*
Internet network:
Altaprofits,
Assurancevie.com*,
Bforbank,
Boursorama,
Fortuneo,
ING Direct,
Best Placement Rates,
Monabanq, Moniwan*,
Robo-advisors*:
Activeseed,
Advize, Cashbee,
Grisbee,
Monpetitplacement.fr,
Nalo,
Wesave,
Yomoni
*Operators selected for the analysis of investor questionnaires only.
Scope of study
Comparative study of 30 investor questionnaires and around twenty management spaces [web and mobile applications] of multi-media life insurance contracts
Collection of information
The collection of information (screenshots) was carried out internally by a project manager with several years of sectoral expertise, through the recruitment of multi-support life insurance holders from banks, insurers and online operators.
Period for taking screenshots: January to March 2022.
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