Why and how to include real estate in life insurance?

Real estate and life insurance go hand in hand more than ever. In this period of uncertainty, the French continue to favor stone, which shows all its resilience... and retains more than ever its place as a "safe haven", combining security and performance objectives. On the other hand, due to its attractive tax framework and its obvious interest in a successful transmission of assets, life insurance confirms its rank as the preferred investment of the French: the outstanding amounts of life insurance contracts in France have never were also high(1).

Hard to choose! But why not reconcile the two solutions? In an environment of eroding returns on funds in euros, savers have every interest in choosing more dynamic asset classes in their contracts.

Do not forget before investing that investment in unit-linked media presents a risk of capital loss. Past performance does not guarantee future performance.

The “stone-paper” to boost life insurance

To boost your contracts, head for the paper stone! Civil real estate companies (SCI), civil real estate investment companies (SCPI) and real estate collective investment organizations (OPCI) are available in DIGITAL VIE. This Altaprofits life insurance policy gives access to no less than 369 undertakings for collective investment in transferable securities (UCITS). In addition, its investment vehicles include 4 SCIs, 12 performance SCPIs and 1 capital gain SCPI, as well as 4 OPCIs. For outstanding performances: Patrimmo Croissance, SCPI invested in residential real estate which achieved a gross performance(2) of 4.99% in 2020, i.e. a gross performance(3) of 29.29% since its listing date in 2014. Laffitte Pierre , SCPI invested in office real estate which provided a gross performance(2) of 5.13% in 2020, i.e. a gross performance(3) of 40.77% since its listing date in 2013, or even the office SCPI PFO2, the first SCPI placing an approach environment at the heart of its management, which achieved a gross performance(2) of 3.51% in 2020, i.e. a gross performance of 7.54%(3) since its listing date in 2018. These investments present a risk of capital loss. Past performance does not guarantee future performance. At reduced costs to deliver more returns, DIGITAL VIE is available from 100 euros(4).

Investing in health, nurseries, senior housing, etc.

But who says real estate does not necessarily say offices. It is now possible to invest via DIGITAL VIE in other key areas and to act responsibly: the SCPI Primovie, for example, participates in sponsorship for the benefit of the Necker Hospital. This fund is mainly backed by real estate assets linked to the health and education sectors: private crèches, schools, training centers or student residences... SCI Silver Avenir, dedicated to life without an annuity, is intended to acquire residential real estate, by paying a capital without annuity. The seniors who benefit from it thus increase their purchasing power and finance their stay at home.

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… and socially responsible investing

Socially responsible investment (SRI) is not left out either. The SCI Novaxia R offered by Altaprofits under the DIGITAL VIE contract has a diversified real estate portfolio, and invests mainly in projects participating in a dynamic of responsible and united urban renewal. The environmental approach is also at the heart of SCPI PFO2's strategy. The management of its office portfolio has been positioned since 2009 on environmental, societal and governance (ESG) issues. SCPI Primopierre will finally aim to provide a response to the rationalization needs of the surface of the large groups that it has for tenants, such as PSA, Crédit Agricole or Samsung. Subscribing to DIGITAL VIE is therefore a way of giving meaning to one's investments by investing in essential sectors, the challenge of which is to respond to the key issues of our time, whether social, environmental or related to the birth rate and the Aging of the population.

Guaranteed liquidity!

For tax purposes, if the units are inserted into a life insurance contract, the advantageous taxation of life insurance is applicable: the income is not taxable as long as it remains invested in the contract for at least eight years. After this period, withdrawals are only slightly taxed. But beyond these assets, the great advantage of placing real estate in a life insurance support is the greater ease of selling its shares. Unlike a direct investment with the management company, the liquidity of the fund(s) is in fact managed by the insurer. A final unstoppable argument in favor of diversification into stone-paper life insurance!

*DIGITAL VIE is a multi-support type individual life insurance policy no. 2198 managed by Suravenir – SA with a management board and supervisory board with fully paid-up capital of €1,175,000,000. – Head office: 232, rue Général Paulet – BP 103 – 29 802 Brest cedex 9. Mixed company governed by the Insurance Code – Company subject to the control of the Prudential Control and Resolution Authority (ACPR) (4 Place de Budapest CS 92459 – 75436 Paris Cedex 09) – Siren 330 033 127 RCS Brest.

(1) They exceeded 1,850 billion euros at the end of August, up by more than 5% over one year according to the French Insurance Federation (FFA).

(2) Gross performance from 01/01/2020 to 12/31/2020, gross of annual contract management fees, excluding tax and social security deductions and excluding any costs related to death guarantees, the arbitration mandate and options for contract management.

(3) Gross annualized performance since the listing date of the SCPI, gross of annual contract management fees, excluding tax and social security deductions and excluding any costs related to death guarantees, the arbitration mandate and contract management options .

(4) For other costs, consult the contractual conditions of the DIGITAL VIE contract available at https://www.altaprofits.com/assurance-vie/digital-vie

Advertising document devoid of contractual value.