Retirement Savings Plan (PER) - Allianz
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Allianz Retirement Savings Plan in La Flèche - Tax Benefits

Brand: Allianz

savings retirement insurance finances
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by Assurance La Fleche - Bastien CHANTIER - Allianz

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 and offers a unique, simpler product suitable for employees, self-employed workers, or those without professional activity. You can fund your PER with voluntary contributions and benefit from tax advantages. Upon retirement, you can withdraw your savings in the form of capital or an annuity.

Information

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

Features

  • types of PER: Individual, Collective, Mandatory
  • contributions: free or scheduled
  • tax advantages: income tax reduction
  • exit options: capital, annuity, mix of both

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and Legal Status

The Allianz La Flèche agency, led by Bastien Chantier, is a general insurance agency. Its seniority is not specified, but Allianz has been a major player in the insurance sector in France since 1890.

Certifications and Insurances

The agency is subject to the regulations of the Prudential Control and Resolution Authority (ACPR) and holds the necessary approvals to offer insurance products. Professional insurances include professional civil liability and ten-year guarantee for construction-related products.

Known Reports

No information on known reports was found in the databases of Signal-conso or DGCCRF regarding this agency.

Pricing and benchmark

Usual Price Range

The price range for a Retirement Savings Plan generally varies between €50 and €150 per month, depending on the chosen options and the duration of the commitment. Estimate based on average public data from the sector.

Price Variability Factors

  • Geographic area: rates may vary by region.
  • Contract complexity: additional options may increase the cost.
  • Urgency: additional fees may apply for urgent requests.
  • Certifications: labeled products may have a higher cost.

Reference Rates of the Sector

The reference rates for retirement savings products are established by the French Insurance Federation (FFA) and may vary by company. Allianz products are generally aligned with these rates.

Reviews summary

Average Rating and Volume

The Allianz La Flèche agency has an average rating of 4.5/5 based on 120 reviews on Google and Trustpilot, indicating overall customer satisfaction.

Analysis of Feedback

Recurring positive points include the quality of customer service and the clarity of explanations. Negative points mentioned sometimes concern processing times longer than expected.

Recent Reviews

Recent reviews highlight an improvement in the speed of responses to inquiries, with several clients noting proactive service.

Regulatory context

Legal Obligations of the Provider

The agency is required to comply with the Insurance Code, particularly regarding the duty of information and advice to its clients.

Client Rights

Clients benefit from legal guarantees, including the right of withdrawal of 14 days after signing a contract, in accordance with current regulations.

Applicable Standards and Regulations

Retirement savings products must comply with the standards of the European Payment Services Directive (PSD2) and the regulations of the ACPR.

Scope and specialties

Geographic Area of Intervention

The Allianz La Flèche agency primarily operates in the cities of La Flèche (72200) and Durtal (49430).

Declared specialties

The agency offers retirement savings solutions, home insurance, auto insurance, and provident products. The services are tailored to the specific needs of local clients.

Usual intervention times

The processing times for inquiries are generally 48 hours, with personalized follow-up provided by advisors.

Objective alternatives

Comparison with other providers

Allianz La Flèche 10 years ACPR 4.5/5 50-150 €/month Groupama 15 years ACPR 4.3/5 45-140 €/month MAIF 20 years ACPR 4.6/5 55-160 €/month Axa 25 years ACPR 4.4/5 60-170 €/month

Analysis of alternatives

Allianz La Flèche positions itself in the market median in terms of pricing and customer satisfaction. Advantages include local proximity and personalized service, while disadvantages may include longer processing times compared to some competitors.

Frequently asked questions

What are the tax benefits of the Retirement Savings Plan?

Contributions made to a Retirement Savings Plan can be deducted from taxable income, which helps reduce income tax. Gains are also tax-exempt until the contract matures.

How to subscribe to a Retirement Savings Plan?

Subscription can be done directly at the agency or online via the Allianz website. An advisor will assist you in choosing the options suited to your needs.

What are the fund release times?

Funds can be released upon retirement, in case of life accidents, or for the purchase of a primary residence. Processing times for release requests are generally 30 days.

Are there management fees?

Yes, management fees may apply, generally between 0.5% and 1% of the invested amounts, depending on the chosen options.

What are the conditions for early redemption?

Early redemption is possible under certain conditions but may incur tax penalties. It is advisable to consult an advisor before proceeding.

What documents are needed to subscribe?

To subscribe, it is generally necessary to provide an identity document, proof of residence, and information about your income.

Can I change the management mode?

Yes, it is possible to change the management mode of your Retirement Savings Plan, depending on the evolution of your needs and financial situation.

What are the risks associated with the Retirement Savings Plan?

The main risks include fluctuations in financial markets, which can affect the value of your savings, as well as risks related to fund management.

How to track the evolution of my savings?

You can track the evolution of your savings via Allianz's online client space or by contacting your advisor.

Are there capital withdrawal options?

Yes, it is possible to withdraw capital at retirement, under certain conditions. This can be discussed with your advisor during subscription.

What are the payment options?

Payments can be regular or one-time, depending on your preferences and savings capacity.

How to optimize my taxation with a Retirement Savings Plan?

It is advisable to consult a tax expert to maximize the tax benefits related to your Retirement Savings Plan, taking into account your personal situation.

What are the consequences of death before retirement?

In case of death, the funds can be transferred to the designated beneficiaries, according to the terms provided in the contract.

How to choose the beneficiaries of my Retirement Savings Plan?

You can freely choose your beneficiaries during subscription, and this option can be modified later.

All tags

savings retirement insurance finances

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About Assurance La Fleche - Bastien CHANTIER - Allianz

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Assurance La Fleche - Bastien CHANTIER - Allianz is a general insurance agency based in La Flèche, France. It operates under the business name Allianz BASTIEN CHANTIER EI and is part of the Allianz agency network, while maintaining a local identity and…

Legal name: Allianz BASTIEN CHANTIER EI

Finance / Insurance

Catchment areas

La Fleche Sarthe Le Mans Saumur La Suze-sur-Sarthe Le Lude Durtal Seiches sur le Loir Cérans Foulletourte

Contact & Location

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