The year 2026 promises to be a major turning point for French savers, with significant developments concerning life insurance and the Retirement Savings Plan (PER). These two pillars of savings in France will experience changes which could impact the way in which everyone plans their financial future. Understanding these changes is essential to optimize your investments and secure your assets.
Cet article explore new regulations and upcoming opportunitiesthus providing valuable insight to anticipate and adapt your savings strategy. Discover how these transformations can influence your financial choices and prepare for your future with peace of mind.
Strengthening the duty to advise and risk profile
From January 1, 2026, insurers will have to comply with reinforced requirements in terms of duty to advise. The Prudential Supervision and Resolution Authority (ACPR) has issued new recommendations to ensure better understanding for subscribers. Distributors of life insurance and retirement savings plans will have to collect detailed information on the family, professional and financial situation of customers.
This approach aims to objectively determine the risk profile of policyholders and to clearly inform them of the risks associated with potentially more profitable investments. These measures aim to protect consumers while promoting increased transparency in the sector.
To take out life insurance, it is advisable to call on an expert from Fortuny. This specialist will be able to guide you in choosing a contract adapted to your needs and objectives, while taking into account your financial and asset situation. Thanks to personalized advice and in-depth analysis, you will be supported in developing an optimal investment strategy to secure and make.
Vigilance on units of account
The ACPR insists on increased vigilance regarding the marketing of unit-linked supports, which present a risk of capital loss, but also offer yield opportunities. These products, often integrated into unlisted investment strategies, require particular attention. Distributors will need to contact their customers after four years of inactivity, or two years if personalized advice has been provided to ensure the contract remains suitable for their needs.
This approach aims to update information and ensure that investment choices remain relevant. In addition, emphasis is placed on clearly informing the tax consequences of early redemptions.
Tax consequences and sustainability preferences
Informing clients about the tax implications of early redemptions and payments after age 70 is crucial to avoid unpleasant surprises. The ACPR underlines the importance of transparent communication on this subject, so that subscribers can make informed decisions. Moreover, integrating sustainability preferences into financial advice becomes essential.
Insurers must provide clear and precise information on sustainable investment options, allowing customers to make an informed choice. This approach aims to align investments with the personal values of policyholders while building confidence in the financial sector through increased transparency.
