- She subscribed to a 3A Life Insurance Insurance with Groupe Mutuel in 2017.
- She deposited CHF 6’000 3 times (2017/2018/2019) for a total of CHF 18’000.
- She can only withdraw 10’138 CHF, so a lost (legal steal?) of CHF 7862.
She asked for a detail of how it is calculated. They answered the precise calcul is too complex for you and we have “professional secret”. They advised her to ask FINMA for verifying if the Groupe Mutuel calcul method was legit.
I can’t understand this lack of transparency, acting as if the client was stupid.
How can they keep 43.4% of an investment as fees of a 3-year passive gestion. I can understand breaking a contract causes fees, but their amount is just a steal.
I saw some of you exited 3a Life insurance without losing that much, any idea on how to proceed and if FINMA is the right choice (alone or with financial adviser help)?
(Reading and rereading the contract, it said in case of exit, client should withdraw at least 2/3 of the “mathematical reserve”. Is mathematical reserve different to deposits??)