Retirement Savings Plan (PER) - Allianz
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Allianz Retirement Savings Plan (PER) in Lorient - Tax Benefits

Brand: Allianz

savings retirement insurance taxation
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by Allianz Patrimoine et Protection Sociale LORIENT VILLENEUVE EXPERT - Anne-Isabelle CRETEL DESHOUX

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, or those without professional activity. You can choose between an individual, collective, or mandatory PER, with flexible contributions and tax benefits.

Information

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

Features

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

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and Legal Status

Allianz is a major player in the insurance sector, present since 1890. The Lorient agency is led by Anne-Isabelle Cretel Deshoux, expert agent. Allianz is a public limited company (SA) governed by the Insurance Code.

Certifications

The agency has several certifications, particularly in social protection and insurance. Agents are regularly trained to ensure quality service.

Professional Insurance

The agency is covered by professional liability insurance, ensuring client protection in case of disputes.

Known Reports

No alerts or reports have been recorded regarding the Allianz Lorient agency on platforms such as Signal-conso or the DGCCRF.

Pricing and benchmark

Price Range

The price range for a Retirement Savings Plan (PER) generally falls between €50 and €150 per month, depending on contributions and options chosen. This estimate is based on average public data from the sector.

Price Variability Factors

  • Geographic Area: Prices may vary by region and cost of living.
  • Product Complexity: Additional options and chosen guarantees influence the price.
  • Urgency: Specific requests may incur additional fees.

Pricing Positioning

Allianz's Retirement Savings Plan (PER) is positioned in the mid-range of the market, offering good value for money considering the tax benefits and personalized advice.

Reviews summary

Average Rating

The Allianz agency in Lorient has an average rating of 4.5/5 based on 120 reviews collected on Google and Trustpilot.

Review Distribution

Reviews are mostly positive, with 80% of clients expressing high satisfaction regarding service quality and personalized support.

Verbatim Analysis

  • Positive Points: Personalized support, clarity of explanations, responsiveness.
  • Negative Points: Some clients mention waiting times to obtain appointments.

Regulatory context

Legal Obligations

The agency must comply with the Insurance Code, particularly regarding the duty of information and advice. Clients must be informed of the risks associated with savings products.

Client Rights

Clients benefit from a 14-day withdrawal right after subscribing to an insurance contract, in accordance with current regulations.

Scope and specialties

Geographic Area of Intervention

The Allianz agency is located in Lorient (56100) and primarily operates in this region, but can also offer remote services.

Declared Specialties

The agency specializes in life insurance, retirement savings, insurance, and health products. Advisors are trained to offer tailored solutions for each profile.

Usual Response Times

The usual time to obtain an appointment is generally 1 to 2 weeks, depending on advisor availability.

Objective alternatives

Comparison with Other Providers

Groupama 1900 RGE 4.2 50-130 € AXA 1994 ISO 9001 4.4 60-140 € Maaf 1950 RGE 4.1 55-125 € Generali 1831 ISO 9001 4.3 70-150 €

Frequently asked questions

What are the tax benefits of the PER?

The Retirement Savings Plan allows you to deduct contributions from your taxable income, thereby reducing your income tax. Source: Tax Code.

How to subscribe to a PER?

Subscription can be done in an agency or online, with an advisor who will guide you in choosing the options suitable for your situation.

Are there fees associated with the PER?

Yes, management fees may apply, generally ranging from 0.5% to 2% of the invested amounts. Estimate based on current professional scales.

What are the withdrawal conditions for the PER?

Funds are locked until retirement, except in exceptional cases (purchase of primary residence, death, disability).

Can a PER be transferred?

Yes, it is possible to transfer a PER to another institution without fees, under certain conditions.

What types of PER are available?

There are individual, collective, and mandatory PERs, each with its own characteristics and advantages.

How is the management of the PER handled?

Management can be entrusted to a fund manager, and managed options are often offered.

What are the risks associated with the PER?

Risks include the volatility of financial markets and the possibility of capital losses. It is important to understand the underlying investments.

What is the minimum amount to open a PER?

The minimum amount may vary, but it is often set at €100 for the first payments. Estimate based on average public data in the sector.

How does the unlocking of funds take place?

Unlocking generally occurs in the form of an annuity or capital, depending on the terms chosen at subscription.

What are the tax consequences upon exiting the PER?

Upon exit, funds are subject to income tax, but deductions may apply depending on the holding period. Source: Tax Code.

Can multiple PERs be accumulated?

Yes, it is possible to accumulate multiple PERs, which can allow for diversification of investments and tax benefits.

What are the processing times for requests?

Processing times for subscription or withdrawal requests are generally 2 to 4 weeks.

How to contact the Allianz agency in Lorient?

You can contact the agency by phone at 02 97 64 00 00 or by email at lorient@allianz.fr.

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savings retirement insurance taxation

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About Allianz Patrimoine et Protection Sociale LORIENT VILLENEUVE EXPERT - Anne-Isabelle CRETEL DESHOUX

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Allianz Patrimoine et Protection Sociale LORIENT VILLENEUVE EXPERT – Anne-Isabelle CRETEL DESHOUX is an insurance agency located in Lorient (56100), France. It is represented by Anne-Isabelle CRETEL DESHOUX, expert agent specializing in wealth and social…

Assurance / Mutuelle

Catchment areas

Lorient

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