AG2R La Mondiale — Paris-headquartered French mutualist insurance group (formed 2008 by merger); ACPR-supervised underwriter with EUR 130bn in assets and a strong franchise in collective retirement (Article 83) and TNS (Madelin).
- Scale
- EUR 130bn AUM
- Wrappers
- Vie + PER + Madelin
- Connection
- Read-only
Vivepargne and assurance-vie
Funds en euros and unites de compte balances on Vivepargne and the wider La Mondiale assurance-vie range read into Bank AI with current value, cumulative gross interest and net of UC fees.
PER and Madelin retirement
PER La Mondiale Retraite Solutions and historic Madelin contracts (TNS) are tagged separately from assurance-vie so liquidity and tax treatment are never conflated.
Article 83 collective retirement
Employer-funded Article 83 balances are surfaced as a separate retirement sub-position with employer vs. employee contributions visible.
Versements and rachats
Recurring versements and any rachats partiels are tagged with cumulative cost basis so dollar-cost-averaged return and the audit trail per disposal are preserved.
- Vivepargne (assurance-vie)
- PER La Mondiale Retraite Solutions
- Madelin (TNS)
- Article 83 (collective retirement)
- Funds en euros + unites de compte
- Headquarters
- Paris, France
- Founded
- 2008 (merger)
- Parent group
- AG2R La Mondiale (mutualist group)
- Regulator
- ACPR
- What is my AG2R PER balance and how much can I still deduct this year?
- Show me my Madelin contributions over the last 5 years.
- What share of my net worth sits in retirement wrappers vs. assurance-vie vs. PEA?
- How does my Article 83 balance compare to my employer match?
- Provider
Abeille Assurances
French life-insurance arm of Aema Groupe (ex-Aviva France); EUR 71bn AUM, ACPR-supervised, surfaced read-only in Bank AI.
→ - Provider
Afer
France's largest assurance-vie association; 780k+ members, EUR 56bn outstanding, surfaced read-only in Bank AI.
→ - Provider
Allianz
Munich-HQ global insurer (XETRA: ALV); EUR 760bn AUM across DE/FR/IT/ES, surfaced read-only in Bank AI.
→ - Provider
Amundi
Europe's largest asset manager (Credit Agricole); EUR 2.2tn AUM, PER / ETFs / mandates surfaced read-only in Bank AI.
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Does Bank AI place arbitrages on my AG2R contract?
No. Bank AI is read-only by design. We surface positions, the funds en euros vs. unites de compte split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via AG2R La Mondiale or your distributor. We never move member funds.
How does Bank AI connect to AG2R?
Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie, PER, Madelin and Article 83 positions. Read-only access is enforced.
Are PER and Madelin contributions deductible?
Yes — within caps. PER contributions can be deducted from taxable income subject to the PER plafond (10 percent of taxable income, capped at 8x the PASS). Madelin contributions for TNS follow a separate plafond. Bank AI surfaces the contributions; the deduction is done on your annual return.
Is AG2R La Mondiale regulated?
Yes. AG2R La Mondiale is supervised by the ACPR and underwrites contracts under the French Code des assurances and Code de la securite sociale (for collective retirement). Bank AI is NOT an underwriter; the contractual sleeve and member fund custody remain with AG2R.
Does Bank AI calculate the PFU on my AG2R rachats?
No. Bank AI surfaces the rachats and gains that drive the calculation but the filing itself (PFU 30 percent, PFL on rachats partiels above 8 years, abattement of EUR 4,600 / EUR 9,200) is best handled by your accountant or via AG2R's annual statement.
Is my AG2R data sent outside the EU?
No. Bank AI processes member data in EU regions by default, with AES-256 encryption and EU-region key management. AG2R La Mondiale remains the underwriter and custodian of the contractual sleeve.
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