Life insurance available to young adults

Opening a life insurance contract is possible at any age, contrary to common belief. Starting early, such as when beginning one's professional life, can offer several advantages.

Hello bank ! offers flexible options

At Hello bank !, individuals can open a life insurance contract from the age of 18. Payments can be made at any time and can be occasional or regular, offering flexibility for young investors.

Contract tailored for young savers

The Hello ! contract from Hello bank ! is designed for young investors looking to start building medium or long-term savings. It requires a minimum payment of 30 euros at the time of opening.

Withdrawal flexibility and limits

Withdrawals, whether partial or full, are allowed at any time, up to a limit of 150,000 euros over 12 rolling months. Hello bank ! does not charge fees on these withdrawals.

Transparent fee structure

The online bank is transparent about its fees, charging a maximum of 0.70% on the euro fund and 0.75% on units of account (UC) as management fees.

Tax benefits with time

Opening a life insurance contract at a young age allows individuals to benefit from tax advantages sooner. After 8 years of holding, gains withdrawn are exempt from income tax up to 4,600 euros for a single person.

Social contributions apply

While income tax is exempt, a social contribution of 17.2% is due on any withdrawal, whether partial or total, for both individuals and couples.

Performance of the euro fund

The euro fund of the contract provides a net return of 2.75% in 2025 after management fees. It could reach up to 5.25% in 2026 and 2027 with specific investment conditions.

Units of account not guaranteed

Investing at least 10,000 euros by November 30 allows a portion of the amount to be placed in units of account, which are not guaranteed in capital, offering potential for higher returns.