The online life insurance broker,, offers the contract “Puissance vie” which can act as either a form of life insurance or a money saving investment. Whichever way you choose to manage your contract or contracts, there are numerous potential long term benefits.

The contract offered by has three main objectives:

  1. Saving scheme: With almost 500 funds available to choose from, an online personal account and a team of experts ready to advise and answer queries, “Puissance vie” is a great way to save for the future.
  2. Protection: “Puissance Vie” has many options available to customers in order to ensure the protection of their loved ones.
  3. Ease of transferal: When the time comes for you or your loved ones to access your savings, will assure that it is done as quickly and as simply as possible.

The Contract: Puissance Vie

This contract has neither an entry nor a termination fee, however, 0.6% of the investment performance every month of each Eurobond and Unit-linked bond held by a client is reinvested into the management of the bonds.

The clients’ personal online account allows them to arbitrate their investments freely in order to maximize their financial return. This account can be accessed online 3 working days after the contract has been confirmed.
There are two Eurobond options available to customers: Sélection Rendement and Internet Opportunités. 487 Unit-trusts and mutual funds are available from 84 different asset management companies (53 of which are trackers).

€500 is the minimum amount required to enter into a contract with for a period between 8 and 99 years. Once subscribed to Puissance Vie having invested at least €500, you can :

  1. Allow this one-time investment to gather interest for as long as you wish*
  2. Decide on specific amounts to be invested further at set periods of time by direct debit.
    • €75 each month
    • €150 each trimester, semester or year
  3. Invest further amounts of €500 at times that convenience you.

*The investments made by our clients can be withdrawn at any point in time. However, we recommend that clients allow their investment to gather interest for at least 8 years in order to benefit from the optimum fiscal advantages.

About is a subsidiary of the insurance broker JDHM VIE and is dedicated to the distribution of online life insurance.

JDHM VIE, a SME with approximately 50 employees, grossed 146 million euro in 2010, an increase of 18% in comparison with the previous year.

The headquarters of JDHM VIE is located at 10, rue d’Uzès, 75002 Paris and is a private limited company with a share capital amounting to €200 000. The company is registered at the Paris Register of Companies (reference number 478 594 351) as well as being a listed broker at the ORIAS (reference number 07 004 394).

With over 20 years of experience, JDHM’s team of highly trained professionals and partners has played a huge role in the continued success of its subsidiary,, a role that has allowed to ensure that its customers receive one of the best quality services available in French online life assurance.

General information about Life insurance in France

Fitch recently revised the French life insurance to negative from stable. The agency believes that a portion of life insurer ratings can be downgraded during the next evaluation. Higher asset returns, especially interest rate would help insurer to rebuild margins. As a consequence the rating would be revised to stable.
Source : Fitch Ratings' French life insurance outlook