Life insurance in 2025 does it pay off

Summary: Life insurance delivers up to 4% yield in 2025, thanks to compounding interest and tax benefits after 8 years, and smart contract selection boosts your gains.

Understanding how life insurance works
Life insurance is a flexible savings tool. Savings earn interest, with two main options: security via euro funds, or growth potential through unit-linked investments. The choice allows the contract to suit one’s risk appetite and personal needs. Funds and gains can be withdrawn at any time, making this product both safe and accessible. Over time, compounding interest boosts capital, as gained euros start generating their own returns.

Profitability and how gains are calculated
For example, with a 3% average rate, investing 10,000 euros for ten years grows the capital to around 13,439 euros (before taxes). Unit-linked contracts tend to offer higher returns, but come with greater risk. There are simulators available to estimate yearly or monthly returns according to one’s savings and investment allocation.

Why choose life insurance now
Many investors are drawn to life insurance for its flexible deposits and withdrawals. After eight years, significant tax rebates improve net returns, making it a smart choice for growing savings long term. Each saver should adjust their investment mix between secure and dynamic options, according to their profile.

How much monthly income in 2025
A capital of 50,000 euros can provide between 100 and 150 euros per month before tax, depending on the performance and riskiness of selected funds. A tailored assessment by a professional is always recommended to optimize returns.

Advice from Nicolas Immobilier agency in Massy, Palaiseau and Chilly-Mazarin
Diversify your assets, think long-term, and always get a personalized estimate before deciding. Consult a local expert in Massy for a free valuation to arbitrate between life insurance and real estate investment.

For more details, see the agency’s website: https://nicolas-benoit-immobilier.fr
Browse all listings to buy in Massy, Palaiseau, Chilly-Mazarin:
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https://nicolas-benoit-immobilier.fr/agence-immobiliere-massy
Article source:
https://nicolas-benoit-immobilier.fr/actualite/assurance-vie-rapporte-t-elle-de-l-argent-en-2025

Bio:
Nicolas Benoit is the managing director of Nicolas Immobilier in Massy, an expert in local real estate and asset strategy for individuals and investors throughout Essonne.