Crédit Agricole Assurances Offers Yields Up to 4.60% on Euro Funds in 2025
Crédit Agricole Assurances announced this Monday the 2025 yield rates for its main life insurance and retirement contracts. Thanks to its preferential profit-sharing mechanisms, the insurer offers yields that can reach up to 4.60% on certain contracts.
Strategic Implementation and Market Share Growth
According to the press release, Crédit Agricole Assurances has been implementing a remuneration policy since 2022 aimed at providing savers with solid and sustainable performance on their euro funds. This strategy has resulted in a market share gain of 2.9 points over three years, with the market share increasing from 14% in November 2022 to 16.9% by the end of November 2025, according to the figures provided. In 2025, the insurer recorded sustained collection, which it says reflects the lasting confidence of savers. The company specifies that this policy has benefited an increasing number of clients in what it describes as a favorable context for euro funds.
Attractive Yields from Profit Participation Mechanisms
The group explains that the attractive yields achieved in 2025 result from the combination of several profit participation mechanisms. A preferential PAB (Profit Allocation Bonus) on contributions, extended this year, rewards both new insureds and existing clients, the insurer indicates. It complements the preferential PAB on assets, which encourages diversification and adapts to the profile of each investor, according to the press release. Thanks to the accumulation of these mechanisms, the remuneration of the euro fund was able to reach up to 4.60% in 2025 for the Anaé contract. This rate corresponds to an enrollment on January 1, 2025, with a management fee rate of 0.50% and a minimum of 50% of the assets in unit-linked funds, the company specifies.
Retirement Savings Performance
On the retirement savings front, Crédit Agricole Assurances Retraite reports a yield rate of 3.05% for the euro support of its individual PERs in 2025. This rate is expected to be among the highest in the market, according to the insurer. Nicolas Denis, CEO of Crédit Agricole Assurances, highlights in the press release that these euro supports continue to offer an attractive yield following another year of strong collection. He also indicates that the company actively contributes to the financing of the real economy by directing clients' savings towards future projects. For 2026, the insurer announces plans to intensify the development of simple and secure digital pathways. All the rates mentioned are net of management fees and excluding tax and social levies, the press release specifies.
