Introduction
Anticipating retirement is an essential step to approach the future with serenity. Although retirement often seems distant, laying the foundations for healthy and suitable savings today allows for effective preparation for this new chapter of life. At Allianz Evry - MADANI KOITA, we support the residents of Essonne and Seine-et-Marne daily in building their financial future through tailored life insurance and savings solutions. The goal? To offer you security and peace of mind, taking into account your needs, situation, and personal projects.
Why prepare for retirement today?
In France, demographic changes and successive reforms invite everyone to actively reflect on their retirement preparation. According to a study by the DREES, the average pension amount remains below activity income for the majority of retirees. It is therefore important to supplement retirement with suitable savings solutions to maintain living standards and calmly realize projects. Preparing for retirement early also has a financial advantage: the earlier the investment is made, the greater the capitalization and interest generated over the long term.
Life insurance: an essential tool for savings and transmission
Life insurance remains the preferred investment of the French for preparing their future. It appeals due to its flexibility, favorable taxation, and ability to meet multiple objectives: building capital, generating additional income, protecting loved ones, or transferring wealth. At Allianz Evry - MADANI KOITA, our team assists you in choosing the life insurance contract best suited to your profile, investment horizons, and risk tolerance. We explain each option pedagogically to clarify the difference between euro funds, units of account, and managed investment.
Client Testimonial:
"I was looking for a solution to prepare for the transmission to my children without complexity or unpleasant surprises. Allianz Evry advised me clearly and patiently, and I was able to open my life insurance contract with complete confidence." — Mrs. R., Évry-Courcouronnes
Focus on savings options for retirement: PER and life insurance
Beyond life insurance, the Retirement Savings Plan (PER) stands out as a complementary solution for anticipating the future. It allows you to build a pension or capital for retirement, with tax advantages upon entry (deduction of contributions from taxable income). Our agency Allianz Evry offers personalized support to combine life insurance and PER according to your objectives: security, return, tax optimization, wealth transmission. We help you identify the best allocation strategy between security (euro funds) and dynamism (units of account).
To better understand the differences and complementarities between life insurance and PER, find our complete file on life insurance and retirement savings.
Financial security and flexibility of use
One of the great advantages of life insurance is its flexibility: you can withdraw all or part of your capital at any time, according to your needs (except for specific cases of certain retirement plans). This allows you to face unexpected events or finance significant projects while benefiting from attractive taxation after eight years of holding. Financial security is at the heart of our support: we inform you transparently about guarantees, expected performances, and potential risks associated with each investment support. According to a report from the French Insurance Federation, life insurance represents over €1,900 billion in outstanding amounts in France at the beginning of 2026, thus confirming its central place in household savings management.
Client Testimonial:
"I was afraid of losing my money by investing in dynamic supports. Thanks to the advice from the Allianz Evry agency, I was able to diversify my savings with full knowledge of the facts, and I feel much more serene about the future." — Mr. S., Ris-Orangis
Personalized advice: every profile, every project
At Allianz Evry - MADANI KOITA, every client benefits from individualized support. Whether you are a young professional, a parent, a freelancer, or a future retiree, we analyze your situation and expectations together to propose tailored solutions. Our pedagogical approach allows you to better understand how life insurance contracts work, the mechanisms of arbitration, or the beneficiary clauses to protect your loved ones. We place proximity and listening at the heart of our approach to build a true relationship of trust, essential for projecting yourself serenely into the future.
For more details on our solutions and services, check out the Allianz savings offers in Evry.
Attractive taxation and wealth transmission
Life insurance offers a particularly attractive tax framework, especially in the case of transmission to designated beneficiaries. The capital transferred outside of succession allows for effective protection of your loved ones while optimizing taxation. After eight years of holding, withdrawals benefit from annual allowances on generated interests, making this savings product even more effective over time. Our team is committed to explaining every detail to you, guiding you in choosing beneficiaries, and implementing the best wealth strategy, with complete transparency and friendliness.
For an overview of the applicable tax rules, you can consult the official guide from the public service on life insurance.
Allianz Evry, a trusted partner for your future
Preparing for retirement and building solid savings require expert and personalized support. Allianz Evry - MADANI KOITA is committed to working with you to build a tailored strategy, with complete transparency. Our advisors, available both in the agency and remotely, prioritize dialogue and pedagogy to answer all your questions, alleviate doubts, and help you make the best decisions for your financial future. Whether you wish to optimize your taxation, protect your loved ones, or simply save money for your projects, we are by your side at every step.
To discover all our solutions or make an appointment for a personalized diagnosis, feel free to visit the Allianz Evry - MADANI KOITA page.
Resources and additional information
- Life insurance and retirement savings: how to prepare for the future serenely?
- Official life insurance guide on Public Service
- Key figures of life insurance in France – French Insurance Federation
- DREES study on retirement pensions
Preparing for retirement is primarily a matter of trust and serenity. The Allianz Evry - MADANI KOITA team remains your privileged contact to move forward with confidence into the future.