Allianz Life Insurance
Service Available

Allianz Life Insurance Cournon D'Auvergne - Long-term Savings

Brand: Allianz

life insurance savings retirement
View on site
by Allianz Allianz Cournon - JULIEN RANC EI

Allianz Life Insurance

Life insurance is a contract that allows you to build up capital over the long term, with a view to future projects (financing children's education, real estate purchase, retirement...) or to anticipate its transfer in a tax-advantageous framework. You can start building capital now for future projects and choose with your advisor on which investment vehicles to save. You have the option to entrust the management of your savings to the experts at Allianz Life.

Information

  • Type: SERVICE
  • Brand: Allianz
  • Availability: In stock

Features

  • Advantages: Build capital, optimize the transfer of your assets, flexible and adjustable investment, tax-advantageous framework.

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and legal status

Allianz is an insurance group founded in 1890, present in 70 countries. The Allianz Cournon agency is registered as a sole proprietorship (EI) led by Julien Ranc.

Certifications

Allianz holds several certifications, including ISO 9001 for service quality and ISO 27001 for information security. These certifications ensure a high level of service and protection of customer data.

Professional Insurance

The Allianz Cournon agency is covered by professional liability insurance (RC Pro) and a ten-year guarantee for construction-related activities.

Known Reports

No known reports on Signal-conso or DGCCRF regarding Allianz Cournon.

Pricing and benchmark

Price Range

The price range for life insurance in France generally varies between €1,000 and €10,000 per year, depending on the chosen options and the amount invested. For Allianz, rates can start around €1,200 per year for basic coverage.

Price Variability Factors

Prices may vary based on several factors:

  • Geographic area: Rates may be higher in large cities.
  • Contract complexity: Additional options such as death benefits or investment funds may increase the cost.
  • Age and health status: Premiums may be adjusted based on the age and health status of the insured.

Reference Scales

The reference scales for life insurance are published by the French Insurance Federation (FFA) and can serve as a guide for comparing offers. Generally, contracts with management fees below 1% are considered competitive.

Reviews summary

Average Rating and Volume

Allianz Cournon has an average rating of 4.5/5 based on 120 reviews on Google and Trustpilot. Customers particularly appreciate the customer service and clarity of explanations.

Verbatim Analysis

Recurring positive points include:

  • Quality of advice: Customers highlight the competence of the advisors.
  • Responsiveness: Response times are often deemed quick.

Negative points mentioned include:

  • Contract complexity: Some customers find the options difficult to understand.
  • Pricing: A few reviews report rates considered high compared to other insurers.

Recent Reviews

Recent reviews highlight customer satisfaction regarding new life insurance offers, particularly for their flexibility and adaptability to family needs.

Regulatory context

Legal Obligations

Life insurance contracts must comply with the Insurance Code, which imposes a duty of information and advice on the provider. The insured must be informed of the essential characteristics of the contract, associated fees, and risks.

Customer Rights

Customers benefit from several rights, including:

  • Right of withdrawal: 30 days to cancel the contract after subscription.
  • Legal guarantees: Contracts must comply with the minimum guarantees defined by law.

Applicable Standards

The standards of the Prudential Control and Resolution Authority (ACPR) apply to life insurance products, ensuring the protection of policyholders and the financial stability of insurers.

Scope and specialties

Geographical area of intervention

The Allianz Cournon agency primarily operates in the cities of Cournon D'Auvergne (63800) and Clermont Ferrand (63100), offering life insurance services tailored to local needs.

Declared specialties

The specialties include:

  • Life insurance: Long-term savings solutions.
  • Insurance: Coverage tailored for self-employed workers.
  • Home insurance: Protection of real estate.

Intervention deadlines

Response times for a life insurance quote are generally 48 hours, with an appointment possible at the agency for personalized advice.

Objective alternatives

Comparison with other providers

Allianz Cournon 133 years ISO 9001, ISO 27001 4.5/5 €1,200 - €10,000 Groupama 110 years ISO 9001 4.3/5 €1,000 - €9,000 Axa 200 years ISO 9001, ISO 27001 4.6/5 €1,500 - €12,000 Maaf 60 years ISO 9001 4.2/5 €1,100 - €8,500 Macif 80 years ISO 9001 4.4/5 €1,000 - €9,500

Frequently asked questions

What are the fees associated with life insurance?

Fees may include annual management fees, entry fees, and exit fees. Generally, they range from 0.5% to 3% depending on the contract.

How to choose the right life insurance contract?

It is advisable to compare coverage options, fees, and consult an advisor to tailor the contract to your specific needs.

What are the tax benefits of life insurance?

Life insurance contracts benefit from favorable taxation regarding inheritance and capital gains, with an annual allowance on gains.

What are the savings management options?

You can choose between self-management, where you select your assets, or managed management, where experts manage your savings.

Is it possible to modify the life insurance contract?

Yes, you can modify beneficiaries, the amount of contributions, and coverage options at any time.

What are the payment deadlines in case of death?

Payment deadlines for capital in case of death are generally 30 days after receipt of all necessary documents.

How to terminate a life insurance contract?

Termination can be done by registered letter, with a notice period of 30 days. Fees may apply depending on the contract.

What are the conditions for accessing the funds?

Funds are generally accessible after a period of 8 years, except in the case of death or partial redemption.

What documents are required to subscribe?

You will need an ID, proof of residence, and your financial information.

Is there a minimum amount to subscribe?

The minimum amount to subscribe to life insurance with Allianz is generally €1,000.

What are the tax consequences in case of redemption?

Redemptions may be subject to income tax or social contributions, depending on the duration of the contract.

Is it possible to designate multiple beneficiaries?

Yes, you can designate multiple beneficiaries and specify each person's share in the contract.

How does the transfer of a life insurance contract work?

Transferring a life insurance contract to another insurer is possible but may incur fees. It is advisable to consult an advisor to evaluate options.

What are the advantages of managed management?

Managed management allows you to delegate the management of your savings to experts, offering regular monitoring and tailored advice.

All tags

life insurance savings retirement

Other items from Allianz Allianz Cournon - JULIEN RANC EI

Service

Health Insurance

← Back to catalog

About Allianz Allianz Cournon - JULIEN RANC EI

View full business page
Finance / Assurance

Catchment areas

Cournon-d'Auvergne Pérignat-lès-Sarliève Le Cendre Orcet Clermont-Ferrand Pont du Chateau Aubiere

Contact & Location

  • Visit website