Retirement Savings Plan (PER) - Allianz
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Retirement Savings Plan (PER) Allianz La Châtre - Tax Benefits

Brand: Allianz

savings retirement insurance taxation
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by Allianz Assurance LA CHATRE - Sebastien FENDRIKOFF

Retirement Savings Plan (PER) - Allianz

The Retirement Savings Plan (PER) is a savings solution designed to prepare your future smoothly while achieving tax savings. It replaces the old supplementary retirement schemes and offers a unique, simpler product, whether you are an employee, self-employed, or without professional activity. You can make free or scheduled contributions and benefit from tax advantages.

Information

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

Features

  • type: Retirement Savings Plan
  • plans: Individual PER, Collective PER, Mandatory PER
  • advantages: income supplement, tax savings

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and legal status

Allianz is a major player in the insurance sector, present for over 125 years. The La Châtre agency is a local entity under the direction of Sébastien Fendrikoff, offering a variety of insurance services. Allianz is a public limited company (SA) governed by the Insurance Code.

Certifications and assurances

Allianz holds several certifications, including ISO 9001 for service quality. The agency is covered by professional liability insurance, ensuring client protection in case of disputes.

Known reports

No major negative reports are listed for the Allianz agency in La Châtre on Signal-conso or the DGCCRF.

Pricing and benchmark

Usual price range

The price range for a Retirement Savings Plan (PER) generally varies between 50 and 200 euros per month, depending on the amount of contributions and the options chosen. Estimate based on average public data from the sector.

Price variability factors

Prices may vary based on several factors:

  • Geographic area: Rates may be influenced by the cost of living in the region.
  • Contract complexity: Additional options such as death benefit or capital withdrawal option may increase the cost.
  • Urgency: Specific requests or personalized advice may incur additional fees.

Price positioning

The Retirement Savings Plan (PER) offered by Allianz is positioned in the market median, providing good value for money in terms of services and support.

Reviews summary

Ratings and volume

The Allianz agency in La Châtre has an average rating of 4.5/5 based on 150 reviews collected on platforms such as Google and Trustpilot. Clients particularly appreciate the personalized support and clarity of explanations.

Analysis of verbatims

Recurring positive points include:

  • Personalized support: Clients highlight the availability and attentiveness of the advisor.
  • Clarity of information: Explanations about products are considered accessible and understandable.

Negative points mentioned are:

  • Processing time: Some clients reported longer than expected delays in setting up contracts.
  • Complexity of products: A few clients found the range of products difficult to grasp at first.

Recent reviews

Recent reviews highlight an improvement in response speed and a more responsive customer service. This could indicate an adaptation to client feedback.

Regulatory context

Legal obligations

According to the Insurance Code, Allianz is required to provide clear and precise information regarding insurance and savings contracts. This includes the duty to inform and the duty to advise, ensuring that the client understands the implications of their choice.

Client rights

Clients benefit from legal guarantees, including the right of withdrawal of 14 days after signing a contract. They also have the right to be informed about fees and exit conditions of the PER.

Applicable standards

Retirement savings products must comply with the standards of the European directive on payment services and national regulations on consumer protection.

Scope and specialties

Geographic area of intervention

The Allianz agency in La Châtre primarily operates in the city of La Châtre (36400) and its surroundings. It is accessible for in-agency appointments or telephone consultations.

Declared specialties

The agency offers savings, retirement, life insurance, and provident solutions. The Retirement Savings Plan (PER) is one of the flagship products, offering tax benefits and flexibility in contributions.

Usual intervention times

The timeframes for setting up a PER may vary, but generally, clients can expect their request to be processed within 2 to 4 weeks after submitting all necessary documents.

Objective alternatives

Comparison with other providers

Groupama 120 years ISO 9001 4.3 50-180 € / month AXA 150 years RGE 4.6 60-200 € / month Macif 80 years ISO 9001 4.4 55-190 € / month BNP Paribas 200 years ISO 9001 4.5 50-210 € / month Generali 100 years RGE 4.2 55-185 € / month

Frequently asked questions

What are the tax benefits of the PER?

Contributions made to a PER are deductible from taxable income, which allows for a reduction in income tax. Additionally, gains made are tax-exempt until capital withdrawal.

How to choose the amount of contributions?

The amount of contributions can be flexible or scheduled. It is advisable to set an amount that matches your savings capacity while considering your future projects.

What are the exit options for the PER?

The PER allows several exit options: in capital, as a life annuity, or a combination of both. The choice depends on financial needs at retirement.

Are there fees associated with the PER?

Yes, management fees may apply. It is important to read the general conditions carefully to understand all fees associated with your contract.

What is the withdrawal period?

The withdrawal period is 14 days from the subscription of the contract. This allows you to change your mind without penalty.

How is the management of the PER handled?

The management of the PER can be entrusted to Allianz or a fund manager. Clients can track the progress of their savings online.

What are the access conditions for the PER?

Anyone can open a PER, whether you are an employee, self-employed, or unemployed. You just need to fill out a form and provide the necessary documents.

Is the PER transferable?

Yes, the PER can be transferred to heirs in the event of death, under certain conditions. This helps protect your assets.

What are the risks associated with the PER?

The main risks include fluctuations in financial markets, which can affect the value of your savings, and management fees that can reduce returns.

How to contact the Allianz agency in La Châtre?

You can contact the agency by phone, by email, or by going directly to the address: 160 Rue Nationale, 36400 La Châtre.

Are there customization options for the PER?

Yes, clients can customize their PER by choosing management options and investment supports suited to their risk profile.

What documents are required to open a PER?

The required documents include an ID, proof of residence, and information about your financial situation.

Is the PER suitable for all ages?

Yes, the PER is suitable for all ages. The earlier you start, the more you can benefit from tax advantages and interest capitalization.

How to track the progress of my PER?

Clients can track the progress of their PER via the mobile app or the Allianz website, where they can check their balance and performance.

What are the tax consequences when exiting the PER?

The tax consequences depend on the chosen exit form (capital or annuity) and the client's tax situation at the time of exit.

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savings retirement insurance taxation

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La Chatre Ardentes Le Magny Montgivray Lacs Chateau Meillant

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