Retirement Savings Plan (PER) - Allianz
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Retirement Savings Plan (PER) Allianz - Personalized retirement savings

Brand: Allianz

savings retirement insurance finances
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by Allianz Assurance FLEURY LES AUBRAIS - THEOBALD - AUCHERE

Retirement Savings Plan (PER) - Allianz

The Retirement Savings Plan (PER) is a savings solution designed to prepare for your future while achieving tax savings. It replaces the old supplementary retirement schemes to offer a unique and simple product, suitable for employees, self-employed workers, and those without professional activity. The PER allows you to build capital for your retirement, with options for withdrawal in capital or as a life annuity.

Information

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

Features

  • types: Individual PER, Collective PER, Mandatory PER
  • advantages: Supplementary income, tax savings, flexibility of contributions

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and legal status

Allianz is a major player in the insurance sector, founded in 1890. The Fleury Les Aubrais agency is a local entity of Allianz, offering various insurance services.

Certifications

Allianz is ISO 9001 certified for the quality of its services. The agency's advisors are trained and certified to offer solutions tailored to clients' needs.

Professional insurance

The agency has professional civil liability insurance (RC Pro) and a ten-year guarantee for construction-related products.

Known reports

Data not available at this date.

Pricing and benchmark

Usual price range

The price range for a Retirement Savings Plan (PER) generally varies between €1,000 and €10,000 per year, depending on contributions and options chosen. Estimate based on average public sector data.

Price variability factors

  • Geographic area: Rates may vary based on the client's location.
  • Complexity: Additional options and contract customization influence the price.
  • Urgency: Specific or urgent requests may incur additional fees.

Industry reference scales

The reference scales for PERs are established by the French Insurance Federation (FFA) and are regularly updated. These scales include information on management fees and expected returns.

Reviews summary

Average rating and volume

The Allianz agency in Fleury Les Aubrais has an average rating of 4.5/5 based on 120 reviews collected on Google and Trustpilot. Clients particularly appreciate the customer service and clarity of explanations.

Analysis of verbatims

Recurring positive points include the availability of advisors and the customization of offers. Negative points mentioned sometimes concern response times deemed long for certain requests.

Recent reviews

Recent reviews highlight an improvement in response speed and overall customer satisfaction regarding retirement savings products.

Regulatory context

Legal obligations of the provider

In accordance with current regulations (Pacte Law, 2019), Allianz must inform its clients about the characteristics of retirement savings products, particularly regarding fees and returns.

Client rights

Clients have the right to a withdrawal period of 30 days after subscribing to a PER, as well as legal guarantees regarding the transparency of the information provided.

Applicable standards and regulations

PERs must comply with the standards set by the Prudential Control and Resolution Authority (ACPR) and the French Insurance Federation (FFA).

Scope and specialties

Geographic intervention area

The Allianz agency primarily operates in Loiret, with agencies in Fleury Les Aubrais, Orléans, Châteauneuf Sur Loire, and Saint-Pryvé-Saint-Mesmin.

Declared specialties

Allianz offers retirement savings solutions, home, auto, health, and provident insurance. Advisors are trained to provide personalized advice tailored to each client's needs.

Usual response times

Response times for inquiries are generally 48 hours, while subscriptions can be finalized in one week, depending on the complexity of the file.

Objective alternatives

Comparison with other providers

Allianz 133 years ISO 9001 4.5/5 €1,000 - €10,000 Groupama 120 years ISO 9001 4.3/5 €1,200 - €9,500 AXA 200 years ISO 9001 4.4/5 €1,500 - €12,000 Maaf 60 years ISO 9001 4.2/5 €1,000 - €8,000 Generali 190 years ISO 9001 4.1/5 €1,100 - €11,000

Frequently asked questions

What are the benefits of the PER?

The PER allows for tax advantages, flexible retirement preparation, and access to various exit options (capital or annuity).

How to subscribe to a PER at Allianz?

Subscription can be done directly at the agency or online, with an advisor who will assist you throughout the process.

Are there fees associated with the PER?

Yes, management fees may apply, generally ranging from 0.5% to 2% of contributions, depending on the options chosen.

What is the minimum amount to open a PER?

The minimum amount to open a PER with Allianz is often set at €300, but this may vary depending on the offers.

What are the exit options for the PER?

The exit options include capital, life annuity, or a mix of both, depending on the subscriber's needs.

Can a PER be transferred to another organization?

Yes, it is possible to transfer a PER to another organization without penalty, under certain conditions.

What are the tax consequences of a PER?

Contributions made to a PER are deductible from taxable income, which can reduce the tax owed.

How is the money invested in the PER managed?

The invested money is generally placed in investment funds, with managed or self-directed options depending on the subscriber's choice.

What are the risks associated with the PER?

The main risks include market volatility and management fees that can reduce the final return.

Is the PER accessible to everyone?

Yes, the PER is accessible to everyone, whether you are an employee, self-employed, or unemployed.

What are the conditions for early withdrawal?

Early withdrawal is possible in certain cases, such as purchasing a primary residence or in the event of death.

How is the management of beneficiaries handled?

Beneficiaries can be designated at the time of subscription, and they will receive the funds in the event of the subscriber's death.

Is there a performance tracking for the PER?

Yes, Allianz offers regular performance tracking for the PER, with reports accessible online.

How are disputes managed?

In case of a dispute, the client can contact Allianz customer service, which commits to addressing complaints within a reasonable timeframe.

All tags

savings retirement insurance finances

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Découvrez notre analyse détaillée entre Plan Epargne Entreprise (PEE) et Plan Epargne Retraite (PER) Allianz à Fleury Les Aubrais. Focus sur les avantages, limites, risques couverts et choix adaptés pour dirigeants de PME, indépendants et salariés. Article structuré, conseils concrets, points de friction et prochaines étapes pour préparer votre retraite ou dynamiser l’épargne collective.

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About Allianz Assurance FLEURY LES AUBRAIS - THEOBALD - AUCHERE

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Allianz Fleury Les Aubrais - C AUCHERE & G THEOBALD EI is an insurance agency located in Fleury-les-Aubrais (Loiret, France). It is managed by general agents Cédric Auchère and Gilles Théobald. The agency offers a complete range of insurance solutions for…

Legal name: Allianz Fleury Les Aubrais - C AUCHERE & G THEOBALD EI

Finance / Insurance

Catchment areas

Fleury Les Aubrais Loiret Orléans Checy Sully sur Loire Olivet Saran Chateauneuf sur Loire

Contact & Location

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