{"id":1774,"date":"2026-09-07T15:34:49","date_gmt":"2026-09-07T13:34:49","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/actualites\/?p=1774"},"modified":"2026-09-07T15:36:37","modified_gmt":"2026-09-07T13:36:37","slug":"basalt-life-une-nouvelle-assurance-vie-a-bas-couts","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/basalt-life-une-nouvelle-assurance-vie-a-bas-couts","title":{"rendered":"Basalt Life, une nouvelle assurance vie \u00e0 bas co\u00fbts"},"content":{"rendered":"<p>L\u2019assurance vie \u00e0 bas co\u00fbts\u00a0: voil\u00e0 l\u2019une des promesses de Basalt Life.\u00a0Le lancement de ce contrat a \u00e9t\u00e9 officialis\u00e9 ce 7 septembre 2026 par Basalt, un nouveau courtier web. Il est assur\u00e9 et co-g\u00e9r\u00e9 par la mutuelle Garance.<\/p>\n<p>De fait, Basalt Life pr\u00e9sente des frais r\u00e9duits. Si le contrat propose, comma la majorit\u00e9\u00a0\u00a0des assurance vie en ligne, 0% de frais sur versement et 0% de frais d\u2019arbitrage (le transfert de capitaux du fonds en euros s\u00e9curis\u00e9 aux unit\u00e9s de compte non garanties, ou inversement), il s\u2019av\u00e8re \u00e9galement comp\u00e9titif sur les autres frais, selon Basalt.<\/p>\n<p>Pour assoir son propos, le courtier a compil\u00e9 l\u2019ensemble des frais des 52 <a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/fiscalite-assurance-vie-rachat.html\" target=\"_blank\" rel=\"noopener\">contrats d\u2019assurance vie<\/a> les plus distribu\u00e9s d\u2019apr\u00e8s lui, dont 20 contrats commercialis\u00e9s par des banques, des assureurs et des conseillers en gestion de patrimoine (CGP), trois par des banques en ligne et 29 par des courtiers Internet et des fintechs.<\/p>\n<p>Il en ressort que les frais de gestion sur le fonds en euros de Basalt s\u2019\u00e9l\u00e8vent \u00e0 0,7% par an, contre une moyenne de 0,96% par an pour les 52 contrats d\u2019assurance vie \u00e9tudi\u00e9s. Ils atteignent 0,45% par an pour les unit\u00e9s de compte (versus 0,72% par an). Les frais annuels de gestion d\u00e9l\u00e9gu\u00e9e (le contrat est g\u00e9r\u00e9 par un professionnel, et non par le souscripteur lui-m\u00eame) se situent \u00e0 0,23% (vs 0,45%). Au final, le courtier affirme que Basalt Life est \u00ab\u00a0moins cher que 96% des contrats analys\u00e9s\u00a0\u00bb.<\/p>\n<p>Basalt propose aux internautes de v\u00e9rifier ses dires en utilisation un comparateur sur son site. L\u2019\u00e9pargnant y entre le nom de son contrat ou d\u2019une assurance vie qu\u2019il conna\u00eet, et il peut y d\u00e9couvrir les niveaux de ses frais. Si le contrat ne fait pas partie du panel des 52 s\u00e9lectionn\u00e9s, le courtier donne la possibilit\u00e9 de b\u00e9n\u00e9ficier d\u2019une analyse personnalis\u00e9e en indiquant dans un formulaire le nom de l\u2019assurance vie et l\u2019adresse \u00e9lectronique du demandeur. Ce dernier est cens\u00e9 re\u00e7oit une r\u00e9ponse par e-mail dans les 24 heures de jours ouvr\u00e9s (c\u2019est-\u00e0-dire hors week-ends et jours f\u00e9ri\u00e9s).<\/p>\n<p>Outre des frais plancher, Basalt Life propose 150 supports d\u2019investissement. \u00c0 c\u00f4t\u00e9 des fonds actions, des fonds obligataires, des fonds mon\u00e9taires et de fonds diversifi\u00e9s, on y trouve des ETF (des fonds indiciels peu charg\u00e9s), des soci\u00e9t\u00e9s civiles de placement immobilier (SCPI) sans frais d\u2019entr\u00e9e, du private equity (entreprises non cot\u00e9es) et des fonds investis dans les mati\u00e8res premi\u00e8res (l\u2019or notamment).<\/p>\n<p>Le rendement du fonds en euros de Basalt Life s\u2019\u00e9l\u00e8ve \u00e0 3,40% (net de frais de gestion, mais brut d\u2019imp\u00f4t et de pr\u00e9l\u00e8vements sociaux) en 2025. C\u2019est nettement mieux que l<a href=\"https:\/\/www.toutsurmesfinances.com\/placements\/assurance-vie-classement-et-comparatif-des-taux-de-rendement.html\" target=\"_blank\" rel=\"noopener\">a moyenne du march\u00e9 <\/a>(2,63%), mais l\u00e9g\u00e8rement moins que le support garanti de Garance, son assureur (3,50%). Basaft Life est accessible d\u00e8s 500 euros de versement initial.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le courtier en ligne Basalt lance une assurance vie aux frais r\u00e9duits. Il permet m\u00eame de comparer son contrat avec les principales offres du march\u00e9.<\/p>\n","protected":false},"author":13718,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1774","post","type-post","status-publish","format-standard","hentry","category-a-la-une"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Basalt Life, une nouvelle assurance vie \u00e0 bas co\u00fbts<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.toutsurmesfinances.com\/actualites\/a\/basalt-life-une-nouvelle-assurance-vie-a-bas-couts\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Basalt Life, une nouvelle assurance vie \u00e0 bas co\u00fbts\" \/>\n<meta property=\"og:description\" content=\"Le courtier en ligne Basalt lance une assurance vie aux frais r\u00e9duits. 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