Finary Life is now available in self-directed mode

Life insurance is France's favorite investment vehicle, with over 50 million contracts and €2,100 billion in assets under management. Yet the vast majority of savers lack control over how their money is invested. They delegate to fund managers, have access to only a handful of investment supports, and pay high fees.

That changes today with self-directed investing.

Self-directed investing is here

At Finary, we believe life insurance deserves more transparency. And since the launch of Finary Life, one request kept coming back from you: the ability to choose your own investment supports and build your allocation independently.

Today, it's done. The e-vie life insurance contract, distributed by Finary under the name Finary Life, is now available in self-directed mode.

A comprehensive offering to build your allocation

You can now build your own portfolio within Finary Life, with a broad investment universe and competitive fees:

• 700+ investment supports: ETFs, funds, private equity...
• 0 entry, arbitrage and contribution fees
• 0 transaction fees, including on ETFs
• 0.50% annual management fees on unit-linked funds
• Netissima Euro fund with a return capped at 4.5% net of management fees in 2026 and 2027, subject to conditions
• Starting from €150 with a recurring contribution

Investing in unit-linked funds involves a risk of capital loss, as their value may fluctuate up or down depending on financial market conditions. The insurer commits to the number of units, not their value, which it does not guarantee. Past performance is not indicative of future results and is not constant over time.

Should you switch contracts?

You might be wondering: is Finary Life better than my current contract? Should you keep it, stop contributing, or transfer it?

With our new simulator, get the answer in 30 seconds. We analyze your contract and compare it with Finary Life, taking into account your investor profile, fees and tax drag, to help you make an informed and transparent decision.

Fees on life insurance contracts are a real burden. The average total recurring cost of unit-linked life insurance contracts amounts to 3% per year in France, according to a study by the independent research firm Good Value for Money. Finary Life's annual management fees on unit-linked funds are just 0.50%.

For illustration purposes only, based on a simplified assumption of €50,000 invested over 30 years with a constant gross annual return of 7% (a non-guaranteed assumption provided for educational purposes), the fee difference results in a significant gap in final capital: €168,500.

Your questions answered on video

Wondering how the contract works, what happens in case of a transfer, or why we chose Generali? Théo, the Product Manager who led Finary Life, answers the questions you ask us most frequently. Everything you need to know before getting started.

(Video in French, English subtitles available)

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Finary Life is now in your hands. It's the contract we wish we had ourselves. We can't wait to hear your feedback.

The Finary Team

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_{Before subscribing, it is recommended to read the General Terms and Conditions, the Information Notice serving as General Terms and Conditions, and the Key Information Document (KID) of the e-vie contract, available on the subscription portal.}

_{The e-vie life insurance contract is an individual life insurance contract, denominated in euros and/or unit-linked funds, underwritten by Generali Vie, a company governed by the French Insurance Code.}

_{¹Exchange Traded Funds (index funds listed on stock exchanges)
‍²Private equity
³Net of management fees, excluding social charges and taxes. Rate of participation in the profits of the Netissima Euro fund allocated by the insurer Generali Vie, net of management fees and excluding social charges and taxes, according to the terms specified in the Information Notice serving as General Terms and Conditions.
⁴1.5% net boost on the rate of participation in profits on contributions (excluding recurring contributions) made between January 1 and June 30, 2026 on the Netissima fund for the years 2026 and 2027. This rate is accessible with a minimum allocation of 30% in unit-linked funds, a threshold that includes the G Croissance Durable fund and must be met at the time of investment and on December 31 of each year. Maximum contribution to the Netissima Euro fund: €500,000. Contributions must not come from a redemption made on a Generali contract, nor from a Pacte transfer. This offer is subject to change and may be closed at any time.
⁵Source: Good Value for Money / Boursorama ⁶Excluding unit-linked fund fees}

_{Finary SAS, member of the Chambre nationale des conseils en gestion de patrimoine, with share capital of €1,625,000, registered with the Paris Trade and Companies Registry under number 892 357 724, with registered office at 58 rue de Monceau 75380 Paris 8. Finary SAS operates as a Financial Investment Advisor (CIF) and Insurance Broker registered with ORIAS under number 21001279, member of the Chambre nationale des conseils en gestion de patrimoine, an association approved by the French Financial Markets Authority (AMF), with financial guarantees from MMA IARD Mutual Insurance.}