Louve Infinity Life Insurance: A Deep Dive into Low Fees and SCPI Investments
The SCPI specialist Louve Invest has launched its online life insurance contract, Louve Infinity, with a focus on offering the lowest fees in the market. But how does this fresh life insurance offering truly stack up? Are the low fees a genuine advantage, and is this contract the right fit for your investment needs?
My Brief Opinion on Louve Infinity Life Insurance
- The lowest unit of account fees currently available.
- SCPI rents are paid at 100%.
- Access to ETFs for investing at reduced fees.
- A high-performance euro fund (contract insured by Corum Life).
- A relatively high entry requirement of €5,000.
- Limited choice in units of account currently available.
- Limited information available on managed management options.
- Euro fund access is capped at 10% of the total contract value.
Louve Invest: The Wolf That Devours Fees?
Launched in 2020 by two French engineers, Louve Invest is a platform specializing in 100% online SCPI (Société Civile de Placement Immobilier) investment. Recognizing the complexities and time commitment often associated with direct real estate investment, the founders aimed to simplify access to Real Estate Investment Trusts. Louve Invest differentiates itself through cashback rewards and full online accessibility.
SCPIs, often referred to as “paper stone,” allow investment in diverse real estate types (offices, shops, logistics) and geographical areas, reducing market-specific risks. Investing in SCPIs with Louve Invest offers a way to diversify your real estate portfolio.
Louve Invest has quickly become a key player in the SCPI market, with over €400 million collected. The selection of SCPIs is qualitative, with many ranking among the best available. The platform likewise offers cashback rewards, further reducing investment costs.
However, Louve Invest’s ambitions extend beyond SCPI distribution. The company now offers its life insurance contract, Louve Infinity, maintaining the same focus on minimizing costs.
Louve Infinity: Life Insurance from Louve Invest
Louve Infinity is a multi-support life insurance contract designed by Louve Invest, offering a savings solution combining euro funds, SCPIs, bond funds (UCITS), and ETFs, all while maintaining a competitive fee structure. Louve Infinity aims to be a transparent, simple, and cost-effective life insurance option.
The Insurer: Corum Life
Corum began as a real estate management company specializing in SCPI creation and distribution. In 2012, it launched Corum Origin, the first French SCPI to invest on a European scale, achieving immediate success. Corum subsequently expanded its offerings with new SCPIs and bond investment solutions, now managing over €7.5 billion in assets, establishing itself as a key player in French real estate savings.
In 2021, the Corum L’Épargne group launched its own life insurance contract, Corum Life, and its euro fund, Corum EuroLife, launched in July 2023.
Louve Infinity: The Lowest Fees on the Market
The key differentiator for Louve Infinity is its aggressive pricing:
- 0% entry, payment, administration, and exit fees.
- 0% arbitration fees (online).
- 0.39% annual management fees on units of account.
This fee level is significantly below the market average. Traditional bank contracts often include fees at various stages, while even the best online contracts typically range around 0.50% to 0.60%. Subscribers during the launch period benefit from 0.35% fees on units of account, while the current standard is 0.39%.
Managed management fees are also low, at 0.21% per year, compared to approximately 0.70% per year offered by ETF-focused managed management specialists.
How Does Louve Infinity Compare to Other Life Insurance Policies?
| Louve Infinity | Linxea Spirit 2 | Credit Agricole Predissime 9 series 2 | |
| Min payment | €5,000 | €500 | €40 (single payment) / €20 (regular payments) |
| Entrance fees | 0% | 0% | Max. 3% |
| Euro fund fees | 0.60%/year | 0.70%/year (max 2%/year) | 0.60%/year |
| UC management fees | 0.35%/year (Launch period) / Otherwise 0.39% | 0.50%/year | 0.85%/year |
| Managed management | +0.21%/year | +0.20%/year | +0.20% |
| Arbitration fees | 0% online | 0% online / 0.10% for ETFs | Max. 0.50% |
| SCPI | 7 | ~25 | 1 |
| ETF | 7 ETF actions + 1 monetary ETF | 65+ | 22 |
| Other UC | 7 bond mutual funds | 9 OPTIONS, 12 SCI, 100+ individual stocks | ~140 mutual funds, 1 private equity fund |
| Management methods | Free or Piloted | Free and/or Piloted | Free or Piloted (from €5,000) |
In summary:
- The minimum investment of €5,000 makes it less accessible for new savers.
- Louve Infinity offers the lowest unit of account fees.
- The choice of units of account is currently limited.
Louve Infinity is an excellent contract for long-term investing, particularly in real estate (SCPIs) and the stock market. The longer the investment horizon, the more significant the impact of the contract’s low recurring costs.
Louve Infinity: In Practice
Opening an account was simple and quick. The process involves providing personal information and determining your investor profile. Once completed, you have access to your dashboard. Customer support is available via telephone, email, and online chat.
The Advice Offered by Louve Invest
Louve Invest provides support in implementing personalized investment strategies, including SCPI investment on credit or dismemberment. However, credit leverage and stripping are not available within the life insurance contract itself.
Customer Reviews on Louve Infinity
Louve Infinity is a recent offering, so customer feedback primarily relates to Louve Invest’s SCPI offerings. However, the platform generally receives positive reviews, with a Trustpilot rating of 4.6/5 from 290 reviews and a Google rating of 4.8/5 from 132 reviews.
Louve Infinity Review: Should You Throw Yourself into the Den of the Wolf?
My opinion on Louve Infinity is positive. The extremely low fees are its greatest strength, along with its selection of excellent SCPIs. I recommend Louve Infinity if you want to minimize costs, prioritize real estate and stock market investments, and have a long-term investment horizon.
However, Louve Infinity may not be suitable for all profiles. The €5,000 entry requirement and the 10% cap on euro fund allocation may be limiting factors.
Frequently Asked Questions (FAQ)
Louve Infinity is a multi-support life insurance contract offered by Louve Invest and insured by Corum L’Épargne. It allows you to invest in ETFs and real estate (SCPI), with the lowest annual management fees on the market.
Management fees are very competitive: 0.39% per year maximum on unit-linked supports. And this, without entry, exit or arbitrage fees.
Of course, this is even Louve Invest’s specialty. The SCPIs available within Louve Infinity have the particularity of paying you 100% of rents.
No since the euro fund is only accessible up to 10% of the amount of your life insurance.
Yes. And it’s even one of the best life insurance policies for investing in the (very) long term. In particular thanks to its very low fees and the investment supports available (ETF and SCPI).
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