Retirement Savings Plan (PER) - Allianz
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Allianz Retirement Savings Plan (PER) Thonon-les-Bains - Personalized Support

Brand: Allianz

savings retirement insurance taxation
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by Allianz Assurance THONON LES BAINS - Olivier BLANC

Retirement Savings Plan (PER) - Allianz

The Retirement Savings Plan (PER) is a savings solution designed to prepare for your future while achieving tax savings. Created under the Pacte Law in 2019, it replaces the old supplementary retirement schemes. The PER comes in three forms: individual, collective, and mandatory, offering flexibility and tax benefits.

Information

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

Features

  • types of PER: Individual, Collective, Mandatory
  • benefits: Supplementary income, tax savings
  • exit options: Capital, life annuity, mix of both

Pricing

  • Currency: EUR

Metadata

Provider trust

Seniority and Legal Status

Allianz is a major player in the insurance sector, founded in 1890. The Thonon-les-Bains agency is managed by Olivier Blanc, a professional in the field with several years of experience.

Certifications

Allianz holds several certifications, particularly in social and environmental responsibility (CSR), validated by an AFNOR CSR assessment. These certifications ensure ethical and responsible commitment.

Professional Insurance

The agency has professional civil liability insurance, ensuring client protection in case of disputes.

Known Reports

No significant negative reports have been noted regarding the Allianz agency in Thonon-les-Bains on reporting platforms such as Signal-conso or DGCCRF.

Pricing and benchmark

Typical Price Range

The price range for a Retirement Savings Plan (PER) in the sector generally varies between €100 and €300 per month, depending on the options chosen and the amount of contributions.

Price Variability Factors

  • Geographic Area: Prices may vary depending on the region and local specifics.
  • Complexity: Customization options and chosen guarantees influence the cost.
  • Urgency: Specific or urgent requests may incur additional fees.

Reference Scales

The reference scales of the branch, such as those established by the French Insurance Federation (FFA), indicate that PERs are often indexed to traditional savings products, with management fees ranging between 0.5% and 2% per year.

Reviews summary

Average Rating and Volume

The Allianz agency in Thonon-les-Bains has an average rating of 4.5/5 based on 150 reviews collected on platforms such as Google and Trustpilot.

Analysis of Feedback

Recurring positive points include personalized support and clarity of explanations. Negative points mentioned sometimes concern response times during peak periods.

Recent Reviews

Recent reviews highlight an improvement in the responsiveness of advisors, with special mention for the quality of advice given to clients preparing for retirement.

Regulatory context

Legal Obligations of the Provider

According to the Insurance Code, Allianz is required to inform its clients about the characteristics of retirement savings products, as well as the associated risks.

Client Rights

Clients benefit from a 30-day withdrawal period after subscribing to a PER, in accordance with current regulations.

Applicable Standards and Regulations

Retirement savings products must comply with solvency and transparency standards established by the Prudential Control and Resolution Authority (ACPR).

Scope and specialties

Geographical intervention area

The Allianz agency in Thonon-les-Bains primarily operates in the Chablais region, including Thonon-les-Bains and its surroundings.

Declared specialties

The agency's specialties include retirement savings solutions, life insurance, as well as advice on foresight and wealth transfer.

Usual intervention times

The intervention times for personalized advice are generally 48 hours, with appointments available in the agency or by phone.

Seasonality

The demand for retirement savings products generally increases at the end of the year, when clients seek to optimize their taxes before the year's end.

Objective alternatives

Comparison with other providers

Allianz 133 years RSE AFNOR 4.5/5 100-300 €/month Groupama 110 years RSE AFNOR 4.2/5 90-280 €/month AXA 200 years RSE AFNOR 4.3/5 120-320 €/month Macif 90 years RSE AFNOR 4.1/5 95-275 €/month MAAF 60 years RSE AFNOR 4.0/5 85-250 €/month

Frequently asked questions

What are the benefits of a PER?

The Retirement Savings Plan (PER) allows for tax advantages, long-term savings, and flexibility in contributions.

How to subscribe to a PER with Allianz?

To subscribe to a PER with Allianz, it is advisable to make an appointment with an advisor in the agency or request a quote online.

Are there fees associated with the PER?

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

What are the withdrawal conditions?

Withdrawals from a PER are generally possible at retirement, but specific conditions may apply depending on the type of contribution.

How to optimize my taxes with a PER?

A PER allows you to deduct contributions from your taxable income, which can reduce your tax burden.

What documents are needed to subscribe?

To subscribe to a PER, you will need an ID, a bank account statement, and proof of income.

Can I transfer my PER?

Yes, it is possible to transfer your PER to another institution, under certain conditions.

What are the contribution options?

The PER allows for individual, collective, or mandatory contributions, depending on your professional situation.

How is my savings managed?

Savings are generally invested in diversified assets, according to your risk profile and objectives.

What is the minimum amount to open a PER?

The minimum amount to open a PER can vary, but it is often set at €100.

What are the risks associated with the PER?

The main risks include market volatility and the possibility of capital losses.

How to track the evolution of my PER?

You can track the evolution of your PER through your online client space or by contacting your advisor.

What are the tax consequences in case of death?

In case of death, the invested amounts can be transferred to the designated beneficiaries, under certain tax conditions.

How to choose the right PER?

It is advisable to compare the options, fees, and performances of different PERs before making a choice.

Annotated gallery

Image description

The image shows a woman sitting on a brown leather sofa in an indoor environment. She is wearing a beige knit sweater and has long, smooth hair. The room is well-lit, with natural light coming from a window on the right, creating a warm atmosphere. In the background, there is a wooden shelf with some books and decorative objects, as well as a green plant that adds a touch of color to the space. The Allianz logo is visible in the top left of the image, accompanied by the text "Allianz by your side" at the bottom, in pink letters. The woman's facial expression is serious and attentive, suggesting an interaction or important speech. Data not visible in the photo.
This image features two people sitting on a sofa in an indoor setting. On the left, a gray-haired man, dressed in a blue jacket and black t-shirt, holds a document in his hands. On the right, a short-haired gray woman, wearing a pink shirt, is attentively looking at the man. The sofa is light-colored, and cushions are visible in the background, adding comfort to the space. In the background, there is a large window with curtains, letting in natural light, as well as a green plant, contributing to a welcoming atmosphere. The Allianz logo is also present in the top left, with the text "Allianz by your side" at the bottom. The interaction between the two people seems serious, suggesting a discussion or advice. Data not visible in the photo.

All tags

savings retirement insurance taxation

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About Allianz Assurance THONON LES BAINS - Olivier BLANC

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Allianz Thonon Les Bains - BLANC OLIVIER EI is a general insurance agency located in Thonon-les-Bains, Haute-Savoie, France. The agency is led by Olivier Blanc, general agent, and is part of the Allianz network while maintaining local and independent…

Legal name: Allianz Thonon Les Bains - BLANC OLIVIER EI

Finance / Insurance

Catchment areas

Thonon-les-Bains Chablais Évian-les-Bains Annemasse Genève Morzine Châtel Abondance Les gets

Contact & Location

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