{"id":3138,"date":"2026-09-14T11:46:36","date_gmt":"2026-09-14T09:46:36","guid":{"rendered":"https:\/\/balmontconseil.com\/comparateur-frais-assurance-vie-2\/"},"modified":"2026-09-14T11:46:36","modified_gmt":"2026-09-14T09:46:36","slug":"comparateur-frais-assurance-vie-2","status":"publish","type":"page","link":"https:\/\/balmontconseil.com\/en\/comparateur-frais-assurance-vie-2\/","title":{"rendered":"How much do your contracts cost you, over ten and twenty years? The comparison tool"},"content":{"rendered":"<div class=\"balmont-comparateur\">\n<style>#Content>.content_wrapper>.mfn-page-title{display:none!important}.balmont-comparateur.balmont-comparateur{width:100vw;max-width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);padding:0;background:#0A0C08!important;color:#FFFFFF!important;font-size:16px;line-height:1.5;text-align:left;font-family:Inter,-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif!important;-webkit-font-smoothing:antialiased;letter-spacing:-.011em;overflow-x:clip}.balmont-comparateur.balmont-comparateur *{box-sizing:border-box;color:inherit;font-family:inherit;text-align:inherit}.balmont-comparateur.balmont-comparateur a{color:inherit;text-decoration:none!important;border:0}.balmont-comparateur.balmont-comparateur p:empty{display:none}.balmont-comparateur.balmont-comparateur .wrap{max-width:1200px;margin:0 auto;padding:64px 32px 96px;display:grid;gap:48px;grid-template-columns:minmax(0,1fr) 600px}.balmont-comparateur.balmont-comparateur .k{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#C8F020;margin:0}.balmont-comparateur.balmont-comparateur h1{font-size:44px;line-height:1.08;letter-spacing:-.02em;font-weight:600;margin:10px 0 0}.balmont-comparateur.balmont-comparateur .lede{font-size:17px;line-height:1.55;color:rgba(255,255,255,.62);margin:22px 0 0;max-width:60ch}.balmont-comparateur.balmont-comparateur ul.pts{list-style:none;padding:0;margin:24px 0 0;display:grid;gap:12px}.balmont-comparateur.balmont-comparateur ul.pts li{padding-left:20px;position:relative}.balmont-comparateur.balmont-comparateur ul.pts li:before{content:\"\";position:absolute;left:0;top:9px;width:8px;height:8px;border-radius:50%;background:#C8F020}.balmont-comparateur.balmont-comparateur ul.pts b{display:block;font-size:15px;font-weight:600}.balmont-comparateur.balmont-comparateur ul.pts span{display:block;font-size:13.5px;line-height:1.5;color:rgba(255,255,255,.5)}.balmont-comparateur.balmont-comparateur .card{border:1px solid rgba(255,255,255,.1);background:#141810;border-radius:20px;padding:24px}.balmont-comparateur.balmont-comparateur form{display:grid;gap:14px;margin-top:16px}.balmont-comparateur.balmont-comparateur .et{font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.5);margin:0 0 6px}.balmont-comparateur.balmont-comparateur .deux{display:grid;grid-template-columns:1fr 1fr;gap:8px}.balmont-comparateur.balmont-comparateur .deux+.deux{margin-top:8px}.balmont-comparateur.balmont-comparateur input,.balmont-comparateur.balmont-comparateur select{display:block;width:100%;border:1px solid rgba(255,255,255,.14);background:#0A0C08;color:#fff;border-radius:10px;padding:11px 12px;font-size:14px;font-family:inherit}.balmont-comparateur.balmont-comparateur input::placeholder{color:rgba(255,255,255,.4)}.balmont-comparateur.balmont-comparateur .btn{display:inline-flex;align-items:center;gap:8px;background:#C8F020;color:#0A0C08!important;font-weight:700;font-size:14px;border-radius:999px;padding:12px 22px;border:0;cursor:pointer;font-family:inherit}.balmont-comparateur.balmont-comparateur .aide{font-size:12.5px;line-height:1.5;color:rgba(255,255,255,.5);margin:0 0 0 12px}.balmont-comparateur.balmont-comparateur .act{display:flex;align-items:center;flex-wrap:wrap;gap:8px}@media (max-width:1024px){.balmont-comparateur.balmont-comparateur .wrap{grid-template-columns:1fr;padding:40px 20px 72px;gap:32px}.balmont-comparateur.balmont-comparateur h1{font-size:34px}}@media (max-width:640px){.balmont-comparateur.balmont-comparateur h1{font-size:28px}.balmont-comparateur.balmont-comparateur .deux{grid-template-columns:1fr}}<\/style>\n<div class=\"wrap\">\n<div class=\"main\">\n<p class=\"k\">Comparison tool \u00b7 free \u00b7 no account required<\/p>\n<h1>What do your contracts cost you, over ten and twenty years?<\/h1>\n<p class=\"lede\">Take the annual statement of fees that your insurer sent you. Copy three figures for each contract: the outstanding balance, the contract management fees, and the fees for the investment vehicles. The comparison tool then compares these with the contracts in our table\u2014listed with their fees\u2014for ten- and twenty-year terms.<\/p>\n<ul class=\"pts\">\n<li><b>Real contracts, not a case study<\/b><span>A grid reviewed on the insurers&#039; documents; Luxembourg first, at standard rates 0.6 % \u2013 1.0 %.<\/span><\/li>\n<li><b>Your country matters<\/b><span>Each proposed contract accepts your residence in writing. Otherwise, we&#039;ll tell you.<\/span><\/li>\n<li><b>Nothing is stored<\/b><span>The amounts remain in the page address. No account, no email.<\/span><\/li>\n<\/ul>\n<\/div>\n<div class=\"side\">\n<div class=\"card\">\n<p class=\"k\">Your contracts \u00b7 read on the expense statement<\/p>\n<form method=\"get\" action=\"https:\/\/app.balmontconseil.com\/comparateur#resultat\"><input type=\"hidden\" name=\"src\" value=\"site-comparateur\"><\/p>\n<div>\n<p class=\"et\">Contract 1<\/p>\n<div class=\"deux\"><select name=\"e1\" aria-label=\"Contract 1, Envelope\"><option value=\"\">Envelope<\/option><option value=\"AV\">French assurance-vie<\/option><option value=\"PER\">PER<\/option><option value=\"CAPI\">Capitalization Contract<\/option><\/select><input name=\"m1\" inputmode=\"numeric\" placeholder=\"Outstanding balance (\u20ac)\" aria-label=\"Contract 1, Outstanding balance (\u20ac)\"><\/div>\n<div class=\"deux\"><input name=\"f1\" inputmode=\"decimal\" placeholder=\"Contract management fees, %\/year\" aria-label=\"Contract 1, Contract management fees, %\/year\"><input name=\"s1\" inputmode=\"decimal\" placeholder=\"Media costs, %\/year (optional)\" aria-label=\"Contract 1, Support fees, %\/year (optional)\"><\/div>\n<\/div>\n<div>\n<p class=\"et\">Contract 2 \u00b7 optional<\/p>\n<div class=\"deux\"><select name=\"e2\" aria-label=\"Contract 2, Envelope\"><option value=\"\">Envelope<\/option><option value=\"AV\">French assurance-vie<\/option><option value=\"PER\">PER<\/option><option value=\"CAPI\">Capitalization Contract<\/option><\/select><input name=\"m2\" inputmode=\"numeric\" placeholder=\"Outstanding balance (\u20ac)\" aria-label=\"Contract 2, Outstanding balance (\u20ac)\"><\/div>\n<div class=\"deux\"><input name=\"f2\" inputmode=\"decimal\" placeholder=\"Contract management fees, %\/year\" aria-label=\"Contract 2, Contract management fees, %\/year\"><input name=\"s2\" inputmode=\"decimal\" placeholder=\"Media costs, %\/year (optional)\" aria-label=\"Contract 2, Support fees, %\/year (optional)\"><\/div>\n<\/div>\n<div>\n<p class=\"et\">Contract 3 \u00b7 optional<\/p>\n<div class=\"deux\"><select name=\"e3\" aria-label=\"Contract 3, Envelope\"><option value=\"\">Envelope<\/option><option value=\"AV\">French assurance-vie<\/option><option value=\"PER\">PER<\/option><option value=\"CAPI\">Capitalization Contract<\/option><\/select><input name=\"m3\" inputmode=\"numeric\" placeholder=\"Outstanding balance (\u20ac)\" aria-label=\"Contract 3, Outstanding balance (\u20ac)\"><\/div>\n<div class=\"deux\"><input name=\"f3\" inputmode=\"decimal\" placeholder=\"Contract management fees, %\/year\" aria-label=\"Contract 3, Contract management fees, %\/year\"><input name=\"s3\" inputmode=\"decimal\" placeholder=\"Media costs, %\/year (optional)\" aria-label=\"Contract 3, Support fees, %\/year (optional)\"><\/div>\n<\/div>\n<div>\n<p class=\"et\">Country of Residence<\/p>\n<p><select name=\"pays\" aria-label=\"Country of Residence\"><option value=\"\">Choose\u2026<\/option><option value=\"FR\">France<\/option><option value=\"PT\">Portugal<\/option><option value=\"CH\">Swiss<\/option><option value=\"LU\">Luxembourg<\/option><option value=\"BE\">Belgium<\/option><option value=\"AE\">United Arab Emirates<\/option><option value=\"SG\">Singapore<\/option><option value=\"HK\">Hong Kong Chinese RAS<\/option><option value=\"TH\">Thailand<\/option><option value=\"GB\">United Kingdom<\/option><option value=\"ES\">Spain<\/option><option value=\"IT\">Italy<\/option><option value=\"MA\">Morocco<\/option><option value=\"US\">UNITED STATES<\/option><option value=\"CA\">Canada<\/option><option value=\"AF\">Afghanistan<\/option><option value=\"ZA\">South Africa<\/option><option value=\"AL\">Albania<\/option><option value=\"DZ\">Algeria<\/option><option value=\"DE\">Germany<\/option><option value=\"AD\">Andorra<\/option><option value=\"AO\">Angola<\/option><option value=\"AI\">Anguilla<\/option><option value=\"AQ\">Antarctic<\/option><option value=\"AG\">Antigua and Barbuda<\/option><option value=\"SA\">Saudi Arabia<\/option><option value=\"AR\">Argentina<\/option><option value=\"AM\">Armenia<\/option><option value=\"AW\">Aruba<\/option><option value=\"AU\">Australia<\/option><option value=\"AT\">Austria<\/option><option value=\"AZ\">Azerbaijan<\/option><option value=\"BS\">Bahamas<\/option><option value=\"BH\">Bahrain<\/option><option value=\"BD\">Bangladesh<\/option><option value=\"BB\">Barbados<\/option><option value=\"BZ\">Belize<\/option><option value=\"BJ\">Benign<\/option><option value=\"BM\">Bermuda<\/option><option value=\"BT\">Bhutan<\/option><option value=\"BY\">Belarus<\/option><option value=\"BO\">Bolivia<\/option><option value=\"BA\">Bosnia and Herzegovina<\/option><option value=\"BW\">Botswana<\/option><option value=\"BR\">Brazil<\/option><option value=\"BN\">Brunei<\/option><option value=\"BG\">Bulgaria<\/option><option value=\"BF\">Burkina Faso<\/option><option value=\"BI\">Burundi<\/option><option value=\"KH\">Cambodia<\/option><option value=\"CM\">Cameroon<\/option><option value=\"CV\">Cape Verde<\/option><option value=\"CL\">Chile<\/option><option value=\"CN\">China<\/option><option value=\"CY\">Cyprus<\/option><option value=\"CO\">Colombia<\/option><option value=\"KM\">Comoros<\/option><option value=\"CG\">Congo-Brazzaville<\/option><option value=\"CD\">Congo-Kinshasa<\/option><option value=\"KP\">North Korea<\/option><option value=\"KR\">South Korea<\/option><option value=\"CR\">Costa Rica<\/option><option value=\"CI\">Ivory Coast<\/option><option value=\"HR\">Croatia<\/option><option value=\"CU\">Cuba<\/option><option value=\"CW\">Cura\u00e7ao<\/option><option value=\"DK\">Denmark<\/option><option value=\"DJ\">Djibouti<\/option><option value=\"DM\">Dominique<\/option><option value=\"EG\">Egypt<\/option><option value=\"EC\">Ecuador<\/option><option value=\"ER\">Eritrea<\/option><option value=\"EE\">Estonia<\/option><option value=\"SZ\">Eswatini<\/option><option value=\"VA\">Vatican City State<\/option><option value=\"ET\">Ethiopia<\/option><option value=\"FJ\">Fiji<\/option><option value=\"FI\">Finland<\/option><option value=\"GA\">Gabon<\/option><option value=\"GM\">Gambia<\/option><option value=\"GE\">Georgia<\/option><option value=\"GS\">South Georgia and the South Sandwich Islands<\/option><option value=\"GH\">Ghana<\/option><option value=\"GI\">Gibraltar<\/option><option value=\"GR\">Greece<\/option><option value=\"GD\">Grenade<\/option><option value=\"GL\">Greenland<\/option><option value=\"GP\">Guadeloupe<\/option><option value=\"GU\">Guam<\/option><option value=\"GT\">Guatemala<\/option><option value=\"GG\">Guernsey<\/option><option value=\"GN\">Guinea<\/option><option value=\"GQ\">Equatorial Guinea<\/option><option value=\"GW\">Guinea-Bissau<\/option><option value=\"GY\">Guyana<\/option><option value=\"GF\">French Guiana<\/option><option value=\"HT\">Haiti<\/option><option value=\"HN\">Honduras<\/option><option value=\"HU\">Hungary<\/option><option value=\"BV\">Bouvet Island<\/option><option value=\"CX\">Christmas Island<\/option><option value=\"IM\">Isle of Man<\/option><option value=\"NF\">Norfolk Island<\/option><option value=\"AX\">\u00c5land Islands<\/option><option value=\"KY\">Cayman Islands<\/option><option value=\"CC\">Cocos Islands<\/option><option value=\"CK\">Cook Islands<\/option><option value=\"FO\">Faroe Islands<\/option><option value=\"HM\">Heard and MacDonald Islands<\/option><option value=\"FK\">Falkland Islands<\/option><option value=\"MP\">Northern Mariana Islands<\/option><option value=\"MH\">Marshall Islands<\/option><option value=\"UM\">Minor remote islands of the United States<\/option><option value=\"PN\">Pitcairn Islands<\/option><option value=\"SB\">Solomon Islands<\/option><option value=\"TC\">Turks and Caicos Islands<\/option><option value=\"VG\">British Virgin Islands<\/option><option value=\"VI\">United States Virgin Islands<\/option><option value=\"IN\">India<\/option><option value=\"ID\">Indonesia<\/option><option value=\"IQ\">Iraq<\/option><option value=\"IR\">Iran<\/option><option value=\"IE\">Ireland<\/option><option value=\"IS\">Iceland<\/option><option value=\"IL\">Israel<\/option><option value=\"JM\">Jamaica<\/option><option value=\"JP\">Japan<\/option><option value=\"JE\">Jersey<\/option><option value=\"JO\">Jordan<\/option><option value=\"KZ\">Kazakhstan<\/option><option value=\"KE\">Kenya<\/option><option value=\"KG\">Kyrgyzstan<\/option><option value=\"KI\">Kiribati<\/option><option value=\"KW\">Kuwait<\/option><option value=\"RE\">Reunion Island<\/option><option value=\"LA\">Laos<\/option><option value=\"LS\">Lesotho<\/option><option value=\"LV\">Latvia<\/option><option value=\"LB\">Lebanon<\/option><option value=\"LR\">Liberia<\/option><option value=\"LY\">Libya<\/option><option value=\"LI\">Liechtenstein<\/option><option value=\"LT\">Lithuania<\/option><option value=\"MK\">North Macedonia<\/option><option value=\"MG\">Madagascar<\/option><option value=\"MY\">Malaysia<\/option><option value=\"MW\">Malawi<\/option><option value=\"MV\">Maldives<\/option><option value=\"ML\">Mali<\/option><option value=\"MT\">Malta<\/option><option value=\"MQ\">Martinique<\/option><option value=\"MU\">Maurice<\/option><option value=\"MR\">Mauritania<\/option><option value=\"YT\">Mayotte<\/option><option value=\"MX\">Mexico<\/option><option value=\"FM\">Micronesia<\/option><option value=\"MD\">Moldova<\/option><option value=\"MC\">Monaco<\/option><option value=\"MN\">Mongolia<\/option><option value=\"ME\">Montenegro<\/option><option value=\"MS\">Montserrat<\/option><option value=\"MZ\">Mozambique<\/option><option value=\"MM\">Myanmar (Burma)<\/option><option value=\"NA\">Namibia<\/option><option value=\"NR\">Nauru<\/option><option value=\"NP\">Nepal<\/option><option value=\"NI\">Nicaragua<\/option><option value=\"NE\">Niger<\/option><option value=\"NG\">Nigeria<\/option><option value=\"NU\">Niue<\/option><option value=\"NO\">Norway<\/option><option value=\"NC\">New Caledonia<\/option><option value=\"NZ\">New Zealand<\/option><option value=\"OM\">Oman<\/option><option value=\"UG\">Uganda<\/option><option value=\"UZ\">Uzbekistan<\/option><option value=\"PK\">Pakistan<\/option><option value=\"PW\">Palau<\/option><option value=\"PA\">Panama<\/option><option value=\"PG\">Papua New Guinea<\/option><option value=\"PY\">Paraguay<\/option><option value=\"NL\">The Netherlands<\/option><option value=\"BQ\">Caribbean Netherlands<\/option><option value=\"PE\">Peru<\/option><option value=\"PH\">Philippines<\/option><option value=\"PL\">Poland<\/option><option value=\"PF\">French Polynesia<\/option><option value=\"PR\">Puerto Rico<\/option><option value=\"QA\">Qatar<\/option><option value=\"MO\">Chinese RAS of Macao<\/option><option value=\"CF\">Central African Republic<\/option><option value=\"DO\">Dominican Republic<\/option><option value=\"RO\">Romania<\/option><option value=\"RU\">Russia<\/option><option value=\"RW\">Rwanda<\/option><option value=\"EH\">Western Sahara<\/option><option value=\"BL\">Saint-Barth\u00e9lemy<\/option><option value=\"KN\">Saint Kitts and Nevis<\/option><option value=\"SM\">San Marino<\/option><option value=\"MF\">Saint Martin<\/option><option value=\"SX\">Saint Martin (Dutch part)<\/option><option value=\"PM\">Saint-Pierre-et-Miquelon<\/option><option value=\"VC\">Saint Vincent and the Grenadines<\/option><option value=\"SH\">Saint Helena<\/option><option value=\"LC\">Saint Lucia<\/option><option value=\"SV\">Salvador<\/option><option value=\"WS\">Samoa<\/option><option value=\"AS\">American Samoa<\/option><option value=\"ST\">Sao Tome and Principe<\/option><option value=\"SN\">Senegal<\/option><option value=\"RS\">Serbia<\/option><option value=\"SC\">Seychelles<\/option><option value=\"SL\">Sierra Leone<\/option><option value=\"SK\">Slovakia<\/option><option value=\"SI\">Slovenia<\/option><option value=\"SO\">Somalia<\/option><option value=\"SD\">Sudan<\/option><option value=\"SS\">South Sudan<\/option><option value=\"LK\">Sri Lanka<\/option><option value=\"SE\">Suede<\/option><option value=\"SR\">Suriname<\/option><option value=\"SJ\">Svalbard and Jan Mayen<\/option><option value=\"SY\">Syria<\/option><option value=\"TJ\">Tajikistan<\/option><option value=\"TW\">Taiwan<\/option><option value=\"TZ\">Tanzania<\/option><option value=\"TD\">Chad<\/option><option value=\"CZ\">Czech Republic<\/option><option value=\"TF\">French Southern Territories<\/option><option value=\"IO\">British Indian Ocean Territory<\/option><option value=\"PS\">Palestinian Territories<\/option><option value=\"TL\">East Timor<\/option><option value=\"TG\">Togo<\/option><option value=\"TK\">Tokelau<\/option><option value=\"TO\">Tonga<\/option><option value=\"TT\">Trinidad and Tobago<\/option><option value=\"TN\">Tunisia<\/option><option value=\"TM\">Turkmenistan<\/option><option value=\"TR\">T\u00fcrkiye<\/option><option value=\"TV\">Tuvalu<\/option><option value=\"UA\">Ukraine<\/option><option value=\"UY\">Uruguay<\/option><option value=\"VU\">Vanuatu<\/option><option value=\"VE\">Venezuela<\/option><option value=\"VN\">Vietnam<\/option><option value=\"WF\">Wallis and Futuna<\/option><option value=\"YE\">Yemen<\/option><option value=\"ZM\">Zambia<\/option><option value=\"ZW\">Zimbabwe<\/option><\/select><\/div>\n<div class=\"act\"><button type=\"submit\" class=\"btn\">Compare \u2192<\/button><\/p>\n<p class=\"aide\">Immediate results, contract by contract.<\/p>\n<\/div>\n<\/form>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Three figures to copy from the statement of fees, per contract. Compare them to the contracts in our fee schedule\u2014named, with their fees listed\u2014for ten and twenty years. Free, no account required. Balmont Conseil, Lyon.<\/p>","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3138","page","type-page","status-publish","hentry"],"acf":[],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/3138","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/comments?post=3138"}],"version-history":[{"count":0,"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/pages\/3138\/revisions"}],"wp:attachment":[{"href":"https:\/\/balmontconseil.com\/en\/wp-json\/wp\/v2\/media?parent=3138"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}