Nevertheless,
French have deposited nearly 98:
French savers, pushed to save by the uncertain economic climate, filed 97.8 billion euros on their life insurance contracts in the first half. Nevertheless, unheard of, according to data published Thursday by France Insurers.
The French adapt their savings habits. Meanwhile, While the Livret A rate is preparing to drop for the second time in 2025, savers rushed to life insurance.
Since the beginning of the year, the French have deposited some 97.8 billion euros on life insurance, according to an insurers’ report. Nevertheless, An never reached level. Therefore, These deposits display an increase of 5.1 billion euros, or 5% more in one year.
By subtracting the benefits paid by insurers over the period, the balance between deposits and withdrawals amounts to 26.6 billion euros between January and June, the high level more reached since 2010.
The dynamics concerns both the supports in euros (+3 %) and in french have deposited nearly 98 account units (UC) (+9 %). The share of UC contributions is 41 % in June. 38 % on the first half of the year, identical to that recorded over the entire year 2024 (38 %).
In June 2025, life insurance contributions amounted to 17.1 billion euros, up +18% compared to June 2024.
“This flight is partly explained by the particularly low level recorded in June 2024 in a context of political instability linked to the European elections. to the dissolution of the National Assembly, indicates France Insurers. They are up +16 % for the compartment in euros and +21 % for the units of account (UC).”
First placement in value – French have deposited nearly 98
The director general of France insurers Paul Esmein underlined the “good dynamic of life insurance which continues. which continued throughout the semester”, during a conference call.
Life insurance remains, by far, the most important placement in value in France. It represents french have deposited nearly 98 around a third of the French financial savings, with an average capital of around 100,000 euros per subscriber.
Regulated savings, another important reserve of French people, could not compete in the first half of the year. The outstanding booklets has increased by just 3 billion euros between January. June, according to the latest data from Caisse des Dépôts, nine times less than life insurance. The drop in the rate of booklet A on August 1, from 2.4% to 1.7%, should still disadvantage the match between these two savings families.
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