﻿{"id":2466,"date":"2023-05-02T15:26:46","date_gmt":"2023-05-02T13:26:46","guid":{"rendered":"https:\/\/aurexia.com\/insights\/?p=2466"},"modified":"2023-07-11T13:10:55","modified_gmt":"2023-07-11T11:10:55","slug":"la-proposition-de-loi-pour-la-protection-des-epargnants-quels-impacts-pour-lorganisation-et-la-rentabilite-des-assureurs","status":"publish","type":"post","link":"https:\/\/aurexia.com\/insights\/la-proposition-de-loi-pour-la-protection-des-epargnants-quels-impacts-pour-lorganisation-et-la-rentabilite-des-assureurs\/","title":{"rendered":"Proposition de loi pour la protection des \u00e9pargnants: quels impacts pour le business model de l&rsquo;assurance-vie dans un contexte de remont\u00e9e des taux ?"},"content":{"rendered":"\n<p>La commission des finances du S\u00e9nat fran\u00e7ais propose une nouvelle loi pour la <strong>protection des \u00e9pargnants<\/strong> du retour de l\u2019inflation. Celle-ci s\u2019appuie sur deux leviers visant \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Accroitre la concurrence entre les assureurs,<\/li>\n\n\n\n<li>Encadrer les frais et am\u00e9liorer leur communication.<\/li>\n<\/ul>\n\n\n\n<p>Le rapport r\u00e9alis\u00e9 par la commission des finances du S\u00e9nat a notamment conclu \u00e0 la <strong>n\u00e9cessit\u00e9 de r\u00e9former l\u2019assurance vie<\/strong>. La loi est encore en cours d\u2019examen par l\u2019Assembl\u00e9e nationale.<\/p>\n\n\n\n<p>Aurexia a analys\u00e9 les impacts que pourrait avoir cette loi pour tous les acteurs de la <strong>cha\u00eene de valeur de<\/strong> <strong>l\u2019assurance <\/strong>(assureurs, g\u00e9rants, soci\u00e9t\u00e9s de gestion, distributeurs) en termes financier, organisationnel et IT. Nous avons \u00e9galement identifi\u00e9 les opportunit\u00e9s qui peuvent en d\u00e9couler, notamment au niveau de la segmentation des offres et de la r\u00e9vision des mod\u00e8les de r\u00e9mun\u00e9ration. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cet article est compos\u00e9 de trois parties principales:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Une nouvelle loi de protection des \u00e9pargnants en cours d\u2019examen par l\u2019Assembl\u00e9e Nationale<\/strong>: En compl\u00e9ment de la <strong>Directive sur la Distribution d\u2019Assurance (DDA)<\/strong>, entr\u00e9e en vigueur le 1er octobre 2018 qui encadre d\u00e9j\u00e0 strictement la distribution d\u2019assurance, et au milieu d\u2019une actualit\u00e9 \u00e9conomique et r\u00e9glementaire fournie, la commission des finances du S\u00e9nat propose une <strong>nouvelle loi qui vise \u00e0 prot\u00e9ger les \u00e9pargnants du retour de l\u2019inflation.<\/strong><\/li>\n\n\n\n<li><strong>Enjeux de cette proposition de loi<\/strong>: A partir de plusieurs constats, le rapport a conclu \u00e0 la n\u00e9cessit\u00e9 de r\u00e9former l\u2019assurance vie pour que les \u00e9pargnants \u00ab paient moins et gagnent plus \u00bb. L\u2019objectif est d\u2019am\u00e9liorer ce placement et son syst\u00e8me de tarification puisqu\u2019il ressort moins comp\u00e9titif pour les m\u00e9nages fran\u00e7ais que pour les m\u00e9nages europ\u00e9ens. Cette proposition de loi doit ainsi <strong>r\u00e9pondre \u00e0 deux enjeux majeurs<\/strong> : redonner du pouvoir aux \u00e9pargnants et fluidifier le march\u00e9 en mettant plus de concurrence.<\/li>\n\n\n\n<li><strong>Les impacts et les opportunit\u00e9s de la proposition de Loi<\/strong>: A partir de plusieurs constats, les s\u00e9nateurs ont conclu \u00e0 la n\u00e9cessit\u00e9 de r\u00e9former l\u2019assurance vie pour que les \u00e9pargnants \u00ab paient moins et gagnent plus \u00bb. L\u2019objectif est d\u2019insuffler plus de comp\u00e9titivit\u00e9 entre les acteurs assurantiels et de redonner du pouvoir d\u2019achat aux m\u00e9nages fran\u00e7ais. Les propositions formul\u00e9es se d\u00e9clinent en<strong> 5 mesures principales aux impacts vari\u00e9s.<\/strong><\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Accompagnement Aurexia<\/h4>\n\n\n\n<p>Nous sommes en mesure de vous accompagner sur vos diff\u00e9rents axes de r\u00e9flexions, ainsi que sur la d\u00e9clinaison op\u00e9rationnelle des travaux qui en r\u00e9sulteront.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-dark-blue-background-color has-background wp-element-button\" href=\"https:\/\/aurexia.com\/insights\/wp-content\/uploads\/2023\/05\/Aurexia_Loi-Protection-des-epargnants_2023.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger la version compl\u00e8te<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La commission des finances du S\u00e9nat fran\u00e7ais propose une nouvelle loi pour la protection des \u00e9pargnants du retour de l\u2019inflation&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":2467,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[29],"tags":[49,330,185,322,329],"class_list":["post-2466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","tag-assurance","tag-assurance-vie","tag-dda","tag-proposition-de-loi","tag-protection-des-epargants"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Aurexia - Protection des \u00e9pargnants<\/title>\n<meta name=\"description\" content=\"Proposition de loi pour la protection des \u00e9pargnants. 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