In France, when it comes to insurance, the first thought is to think about insuring your property, not about protecting yourself or your loved ones from the vagaries of life. Compared to our Anglo-Saxon neighbors, the French are less aware of the issues of health insurance, savings and pensions. However, they face this in the event of serious illness, disability or death.<\/p>\n
In this context, Cl\u00e9mence Gastaldi, CEO of AXA Pr\u00e9voyance & Patrimoine, shared her vision that the experience and advice of an AXA expert are the key to reliable financial protection and achieving financial goals according to everyone's personal needs.<\/p>\n
What new challenges are facing Pr\u00e9voyance & Patrimoine?<\/strong><\/p>\n These challenges are related to the structural changes we have been experiencing over the past few years, including:<\/p>\n In four years, many major reforms have been carried out: the ANI law, the PACTE law, 100% Sant\u00e9, the Bourquin reform, the AGIRC ARCO merger, the pension reform... This has raised concerns: for example, 84% the French are afraid of not having sufficient pension coverage.<\/p>\n By 2050, there will be almost 5 million people over the age of 85 in France, up from 1.5 million today. In the face of this demographic shock, loss of autonomy becomes the fifth branch of social security. Yet the French are among the Europeans who are taking the least measures to counter a future loss of autonomy.<\/p>\n These new challenges add value to our profession that is still relevant today: addressing the real lack of knowledge and advice on social security, retirement and savings.<\/p>\n How strong is the network of AXA Pr\u00e9voyance & Patrimoine agents in this context?<\/strong><\/p>\n Experience, advice and proximity are the main advantages of our value proposition. These are key elements in an atmosphere of uncertainty that is changing the habits and orientations of the French.<\/p>\n The personalized support of AXA Pr\u00e9voyance and Patrimoine agents is based on an in-depth social analysis and assurance audit of each client, followed by tracking the client's needs over time: we take into account his family and professional development. To provide him with solutions according to his needs throughout his life.<\/p>\n Our agents are experts in the field of social and financial protection. Their regulated status, their commitment to continuous training, their partnership with AGIPI (Independent Association of Insured Persons) are a guarantee of seriousness and ethics for the clients who trust them.<\/p>\n How are your customers' needs and expectations changing? How does AXA's proposal respond to this?<\/strong><\/p>\n AXA Pr\u00e9voyance & Patrimoine is an independent network specialized in social and family consultations. In addition to the offerings offered by this network, namely the AXA and AGIPI products, which are innovative and effective, the relationship of trust and intimacy between an experienced agent and his client is important. To meet the needs of its client, the AXA Pr\u00e9voyance & Patrimoine agent is not a seller of the product, but provides advice accordingly.<\/p>\n Today's customers are looking for meaning, including in savings. It is now 5 years since AXA has made a strong commitment to limiting global warming. AXA and AGIPI's range of financial products is increasingly focused on a more sustainable world. In particular, our \u201cmanned management\u201d (savings products where the client delegates the management of their savings to experienced financial experts) includes ESG criteria. Returns are also strong, with AXA PERSPECTIV' ESG plan performing much better in 2020 than other similar financial products in the market.<\/p>\n Now the client needs to contact a trusted specialist to understand the various offers on the market and choose the contract of his choice. AXA Pr\u00e9voyance and Patrimoine agents work every day to inform clients about new opportunities:<\/p>\n Assurance Vie innovates under the influence of the PACTE law. It has now become easier to invest in infrastructure, private capital...<\/p>\n The PER pension plan, introduced at the end of 2019 under the PACTE Act, also changed pension savings. The AGIPI PER offer allows you to earn extra income to live well in retirement while saving on taxes.<\/p>\n Finally, the legislation promotes the termination of health insurance and borrower insurance contracts. AXA supports each of its customers to take advantage of the opportunity to achieve significant savings on these cost items and benefit from better coverage at lower costs through digitalization and a simplified user experience.<\/p>\n They are also looking for more turnkey services and solutions to provide specific answers to their needs. Our offers are also designed with this in mind, for example:<\/p>\n\n
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