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Generali — Trieste-headquartered global insurance group (BIT: G), founded 1831; the largest insurer in Italy with EUR 670bn AUM and 70M+ customers, supervised by IVASS in Italy plus ACPR (FR) and BaFin (DE).

Scale
EUR 670bn AUM
Wrappers
Vie + PER + UL
Connection
Read-only

  • Polizza vita Generali (IT)

    Italian polizza vita ramo I (capital-protected) and ramo III (unit-linked) balances read into Bank AI with current value, cumulative gains and imposta di bollo (0.2 percent) impact preserved.

  • Generali Vie / Generali Patrimoine (FR)

    French assurance-vie funds en euros and unites de compte balances are tagged separately from Italian polizze so the multi-jurisdiction context is honest. PER Generali Retraite balances are tagged as a separate retirement sleeve.

  • Generali Lebensversicherung (DE)

    German Lebensversicherung balances (klassisch and fondsgebunden) are surfaced as a separate sleeve with the relevant Riester / Ruerup tax-wrapper context preserved.

  • Generali Espace Lux (LU)

    Where you hold a Luxembourg life-insurance contract through Generali Espace Lux, the underlying allocation and the Triangle de securite framework are surfaced as a separate sleeve.

  • Polizza vita Generali (IT)
  • Generali Vie / Generali Patrimoine (FR)
  • Generali Lebensversicherung (DE)
  • Generali Retraite (PER, FR)
  • Generali Espace Lux (LU)
  • Generali Investments range (Article 9)

Headquarters
Trieste, Italy
Founded
1831
Parent group
Assicurazioni Generali S.p.A. (BIT: G)
Regulator
IVASS (IT); ACPR (FR); BaFin (DE)

  • What is my polizza vita Generali balance across ramo I and ramo III?
  • Show me my Generali Vie funds en euros balance vs. my unites de compte.
  • How does my Generali Lebensversicherung yield compare to my DKB cash?
  • What is the imposta di bollo impact on my polizze year-to-date?

Does Bank AI place arbitrages on my Generali contract?

No. Bank AI is read-only by design. We surface positions, the ramo I (or funds en euros) vs. ramo III (or UL) split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via Generali or your distributor. We never move customer funds.

How does Bank AI connect to Generali?

Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read polizza vita, assurance-vie and Lebensversicherung positions. Read-only access is enforced.

Is Generali regulated across IT, FR and DE?

Yes. Assicurazioni Generali S.p.A. is supervised by IVASS in Italy and listed on Borsa Italiana (ticker G). Generali Vie is supervised by the ACPR in France; Generali Deutschland by BaFin in Germany. Bank AI is NOT an underwriter; the contractual sleeve and customer fund custody remain with the relevant Generali entity.

Are Italian ramo I and ramo III tracked correctly?

Yes. Ramo I (gestione separata, capital-protected with annual rivalutazione) and ramo III (unit-linked) are tagged separately so allocation maths is honest about the protected vs. at-risk split, and the imposta di bollo (0.2 percent annually on polizze) is preserved.

Does Bank AI calculate Italian / French / German wealth tax?

No. Bank AI surfaces the disposals, contributions and gains that drive the calculation but the filing itself (imposta di bollo 0.2 percent in Italy, PFU 30 percent in France, Abgeltungsteuer 25 percent in Germany) is best handled by your accountant.

Is my Generali data sent outside the EU?

No. Bank AI processes customer data in EU regions by default, with AES-256 encryption and EU-region key management. The relevant Generali entity remains the underwriter and custodian.

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