Protected capital is not reserved for insiders or large portfolios. At AGPM, even the most modest savers can secure their future and organize the transfer of their assets without fearing market instability. The AGPM life insurance, through the Éparmil plan, offers much more than just a savings envelope: it weaves a safety net that is accessible and sustainable.
Protecting your savings without trembling at every financial shock is the spirit of the euro contract. With AGPM life insurance and its Éparmil plan, the promise of stability becomes a reality: the capital is preserved, management remains attentive, and the saver can adjust the pace of their deposits and withdrawals to their desires, without pressure.
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Anticipating the transfer of assets no longer means getting lost in administrative mazes. At AGPM, all the succession modalities are structured around a transparent tax framework. This allows everyone to prepare for the protection of their loved ones and to pass on wealth under good conditions, without fearing hidden traps. This often underestimated aspect, however, offers a real margin for planning family futures.
Euro life insurance: a reliable foundation, accessible without barriers
It is impossible to talk about savings in France without mentioning euro life insurance. Here, the rule is simple: your capital remains intact and your savings transcend time without being swallowed by market volatility. AGPM’s single-support contract fits this logic, with no deposit ceilings or limitations on withdrawals. Everyone finds their freedom, whether they are considering a specific project or prefer to keep their options open.
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This support, primarily backed by bonds, fully protects the invested amount. The results do not disappoint: 1.70% in 2021, 2.55% in 2023, and 2.40% projected for 2025. These regular returns reassure those who prioritize security above all. The management fees, set at 0.35%, remain among the most moderate in the market.
An entry ticket of 50 euros is enough to take advantage of this system. The funds remain available, partially or fully, at any time, without incurring penalties. After the first eight years, the tax framework softens: allowances on gains and measures facilitating transfer come into play.
For those wondering why this investment is so attractive, here are the main advantages highlighted:
- Full guarantee on the invested capital
- Total flexibility on withdrawals, depending on the situation
- Stability of returns and transparent management
Prudent savers, pragmatic families, or military personnel attached to wealth foresight: the Éparmil plan finds its place in many personal horizons.
What distinguishes the Éparmil plan in the life insurance market
Since 1984, the Éparmil plan has been aimed at those who prioritize capital security above all. It operates solely with a euro fund, no unit-linked accounts, thus avoiding unnecessary risk. This choice translates into savings shielded from market setbacks, without sacrificing performance consistency.
The numbers speak for themselves: 2.55% delivered in 2023, 2.10% expected for 2024, and 2.40% anticipated in 2025. The “Disability Savings” and “Disabled Child” options reach up to 3.38% in 2025, a rare level in the sector. Management fees contained at 0.35%, entry fees limited to 1.75%, and almost zero switching fees… All accessible from 50 euros.
AGPM offers the Éparmil plan in various profiles to meet diverse needs:
- Guaranteed capital, no deposit ceiling
- Ability to withdraw all or part of the savings whenever desired
- Dedicated formulas for minors, protected adults, or people with disabilities
A score of 16.85/20 at a Grand Prix for euro funds, 3.2 billion euros managed, 147,000 contracts opened: beyond the arguments, the solidity is observed over time. Furthermore, AGPM actively invests in the defense economy through this contract, reinforcing its identity and legitimacy within the military community and their families.
Anticipating and securing the transfer of your wealth with AGPM life insurance
The Éparmil plan asserts itself as much more than a savings tool: it is a foundation for building and protecting a family legacy. The beneficiary clause, adjustable at any time, provides the freedom to choose the heir(s), a customization that simplifies the protection of loved ones and tax optimization.
After eight years, the tax regime favors policyholders: an allowance of €4,600 per year on capital gains (€9,200 for couples). In the event of the subscriber’s death, each beneficiary enjoys €152,500 exempt from any tax, provided that the contributions were made before the age of 70. The remaining amounts are also treated favorably, all within a lighter framework than that of traditional inheritance rights.
The death coverage extends up to 95% of the invested capital, enhancing foresight for designated families and avoiding adding financial uncertainties to an already difficult period. This security, transparent management, and permanent access to funds explain the loyalty of AGPM clients to this contract, particularly for calmly considering the future of their loved ones.
To organize one’s succession under good conditions, several elements stand out:
- Flexible beneficiary clause to adapt to all family configurations
- Advantageous tax regime on the transfer of capital
- Capital preservation through death guarantee and rigorous management of the euro fund
AGPM life insurance and the Éparmil plan pave the way for solid and tailored wealth management. In a world where foresight is never too much, this contract offers the opportunity to build one’s future as one shapes a foundation: stable, evolving, always ready to withstand the unexpected.