https://www.proz.com/kudoz/english-to-french/bus-financial/54732-insurance-wrapper.html?

insurance wrapper

French translation: "emballage" d'un produit financier par un contrat d'assurance

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:insurance wrapper
French translation:"emballage" d'un produit financier par un contrat d'assurance
Entered by: Nikki Scott-Despaigne

02:26 Jun 2, 2001
English to French translations [PRO]
Bus/Financial
English term or phrase: insurance wrapper
we have determine two options:
- country by country offering through ML Financial COnsultant network of an insurance wrapper to existaing ML accounts providing maximum flexibility as to investment management and other features.
Sylvie André
France
Local time: 15:02
"emballage" d'assurance, produit
Explanation:
Serait-il une sort d’ "emballage" commercial qui faciliterait la commericalisation d’un autre produit financier? Il existe un bon nombre de références de ce type sur le web, en anglais, effectivement. Peu, par contre, emploient la même idée en français. Les sources en anglais mettent parfois "wrapper" entre guillements. Pourquoi pas l'essayer en français, entre guillemets?

1 - http://www.lincolnre.com/index.htm?Open=http://www.lincolnre...

Clearly, the concept of one-stop shopping, or allfinanz, is more advanced in some European markets where the process of integration of financial services is further along.
European experience shows that tax-advantaged insurance products with an emphasis on savings accumulation can be successful in the banking channel under certain circumstances. Protection products, such as pure term insurance, are rarely promoted, and the big sellers are investment products with an insurance wrapper. These products tend to compete with banking or investment products rather than other insurance products.

2 - http://www.watsonwyatt.com/homepage/eu/res/PUBLICATIONS/Insu...

February 2001 Issue (Insurance & Financial Services Review)

Redesigning financial services for the wealthy customers

Michael Rudge highlights how growing consumer sophistication is leading financial service providers to focus their product and service offering on delivering only those aspects of the value chain where they can achieve competitive advantage.

Consumer sophistication.

Sophistication is growing among customers - especially those in the affluent/high net worth segment of the market - and they are becoming more demanding. This is moving the industry from a focus of selling products to providing solutions. Financial service organisations therefore have to consider where they wish to operate in the value chain by providing some or all of the following:
· customer acquisition
· advisory services and customer relationship management
· product ‘wrappers’
· asset management
· administration.

[...]

Product ‘wrappers’.

Investment products are increasingly being seen as nothing more than a ‘wrapper’ for the underlying investment. ‘Wrappers’ such as life insurance bonds, pensions, personal equity plans (PEPs) or individual savings accounts (ISAs) can be used for UK tax planning.

· Egg offers both ISA and PEP transfer ‘wrappers’ that allow customers to invest in a selection of underlying mutual funds from some of the major fund houses, such as Threadneedle, M&G, Invesco, Gartmore and Jupiter. Customers can buy and sell mutual funds within their ISA/PEP rather than having to change their provider.

· James Hay offers various pension products allowing clients to pursue their own investment strategies.

Selected response from:

Nikki Scott-Despaigne
Local time: 15:02
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
5Manteau d'assurance
Laetitia ZUMSTEIN
nacouverture d'assurance
Madeleine van Zanten
natrouvé un life-insurance wrapper
Albert Golub
na -1"emballage" d'assurance, produit
Nikki Scott-Despaigne


  

Answers


2 hrs
couverture d'assurance


Explanation:
hth

Madeleine van Zanten
Switzerland
Local time: 15:02
Native speaker of: Native in FrenchFrench
PRO pts in pair: 204

Peer comments on this answer (and responses from the answerer)
Nikki Scott-Despaigne: insufisant
1 day 8 hrs
Login to enter a peer comment (or grade)

3 hrs
trouvé un life-insurance wrapper


Explanation:
sur le site de premier life luxembourg en anglais
our innovative unit-linked products offer the benefit of the world's top funds in a line insurance wrapper
malheureusement je n'ai pas trouvé l'équivalent en français
il s'agit à mon avis d'une partie de l'assurance indexée sur un fonds de valeurs diversifiés englobant to wrapdivers (secteurs,continents, pays emergents etc..)
bonne chance

Albert Golub
Local time: 15:02
Native speaker of: French
PRO pts in pair: 2094

Peer comments on this answer (and responses from the answerer)
Nikki Scott-Despaigne: No, unit-linked products available "wrapped" up in a life-insurance policy - sold together, one hiding the other.
1 day 7 hrs
Login to enter a peer comment (or grade)

1 day 5 hrs peer agreement (net): -1
"emballage" d'assurance, produit


Explanation:
Serait-il une sort d’ "emballage" commercial qui faciliterait la commericalisation d’un autre produit financier? Il existe un bon nombre de références de ce type sur le web, en anglais, effectivement. Peu, par contre, emploient la même idée en français. Les sources en anglais mettent parfois "wrapper" entre guillements. Pourquoi pas l'essayer en français, entre guillemets?

1 - http://www.lincolnre.com/index.htm?Open=http://www.lincolnre...

Clearly, the concept of one-stop shopping, or allfinanz, is more advanced in some European markets where the process of integration of financial services is further along.
European experience shows that tax-advantaged insurance products with an emphasis on savings accumulation can be successful in the banking channel under certain circumstances. Protection products, such as pure term insurance, are rarely promoted, and the big sellers are investment products with an insurance wrapper. These products tend to compete with banking or investment products rather than other insurance products.

2 - http://www.watsonwyatt.com/homepage/eu/res/PUBLICATIONS/Insu...

February 2001 Issue (Insurance & Financial Services Review)

Redesigning financial services for the wealthy customers

Michael Rudge highlights how growing consumer sophistication is leading financial service providers to focus their product and service offering on delivering only those aspects of the value chain where they can achieve competitive advantage.

Consumer sophistication.

Sophistication is growing among customers - especially those in the affluent/high net worth segment of the market - and they are becoming more demanding. This is moving the industry from a focus of selling products to providing solutions. Financial service organisations therefore have to consider where they wish to operate in the value chain by providing some or all of the following:
· customer acquisition
· advisory services and customer relationship management
· product ‘wrappers’
· asset management
· administration.

[...]

Product ‘wrappers’.

Investment products are increasingly being seen as nothing more than a ‘wrapper’ for the underlying investment. ‘Wrappers’ such as life insurance bonds, pensions, personal equity plans (PEPs) or individual savings accounts (ISAs) can be used for UK tax planning.

· Egg offers both ISA and PEP transfer ‘wrappers’ that allow customers to invest in a selection of underlying mutual funds from some of the major fund houses, such as Threadneedle, M&G, Invesco, Gartmore and Jupiter. Customers can buy and sell mutual funds within their ISA/PEP rather than having to change their provider.

· James Hay offers various pension products allowing clients to pursue their own investment strategies.




    Reference: http://www.lincolnre.com/index.htm?Open=http://www.lincolnre...
    Reference: http://www.watsonwyatt.com/homepage/eu/res/PUBLICATIONS/Insu...
Nikki Scott-Despaigne
Local time: 15:02
Native speaker of: Native in EnglishEnglish
PRO pts in pair: 882

Peer comments on this answer (and responses from the answerer)
disagree  Laetitia ZUMSTEIN: manteau
7493 days
Login to enter a peer comment (or grade)

7494 days   confidence: Answerer confidence 5/5
Manteau d'assurance


Explanation:
Le terme est traduit par "manteau d'assurance"
https://moneystore.be/le-dico-de-moneystore/insurance-wrappe...
L'idée est l'optimisation fiscale. "couverture" pourrait convenir mais ne rend pas compte de la notion de dissimulation.

La FINMA confirme le choix terminologique: https://webcache.googleusercontent.com/search?q=cache:fOIInG...


    https://webcache.googleusercontent.com/search?q=cache:fOIInGQ0-pMJ:https://www.finma.ch/fr/~/media/finma/dokumente/dokumentencenter/4dokumen
Laetitia ZUMSTEIN
France
Local time: 15:02
Native speaker of: Native in FrenchFrench
PRO pts in pair: 4
Login to enter a peer comment (or grade)



Login or register (free and only takes a few minutes) to participate in this question.

You will also have access to many other tools and opportunities designed for those who have language-related jobs (or are passionate about them). Participation is free and the site has a strict confidentiality policy.

KudoZ™ translation help

The KudoZ network provides a framework for translators and others to assist each other with translations or explanations of terms and short phrases.


See also: