Sources#

Source ids, titles, publishers, URLs, access dates and retrieval markers are carried over verbatim from _research/assurance-vie-uc.md, the citation ground truth for the [S#] and [R#] tags in product-spec.md and technical-notes.md. Ids are never renumbered. Sources in the research file that are not cited by either document are omitted, leaving a gap: the only omitted id is S14 (BNP Paribas Cardif’s key-information document portal — page shell only, the contract list rendered client-side; no Cardif figure is cited anywhere, and the resulting absence of any bancassurance document from the sample is disclosed in product-spec.md, Variations item 6). Every S1–S13 and R1–R18 entry below is cited at least once. No new source was fetched at drafting.

Access date for every entry, including the cross-product [REG-R#] entries: 2026-08-26.

Retrieval method carried over from the research file: French insurer and regulator hosts frequently reject a plain fetcher, so every PDF below was downloaded with a browser User-Agent and its text layer extracted locally with PyMuPDF. Where that still failed the failure is recorded and the item is kept only as a known reference.

Primary product sources [S#]#

S1. Generali Vie — “Himalia — Note d’information valant Conditions générales” (PA8301CGP, October 2021)#

  • Publisher: Generali Vie (Generali France), individual contract codes 8301/8302

  • Doc type: Note d’information valant Conditions générales, 66 pp.

  • URL: https://epargne.boursedirect.fr/uploads/files/products_fin/e1cf9a0d9a50ca064d2078bab00ec586/Himalia%20-%20Conditions%20G%C3%A9n%C3%A9rales.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Code PA8301CGP — Octobre 2021, from a distributor’s document store (Bourse Direct); Generali’s own host was not used.

  • Used for: the full-service charge schedule (4.50% max frais sur versement, UC charge 0.25%/quarter by reducing the number of units, 1.50% p.a. on ETF and Actions, arbitrage 1% with 30 €/15 € minima); Annexe 3’s garantie plancher — options 1 and 2 (gross premiums, and gross premiums indexed 3.50% p.a.), the 300,000 € capital sous risque cap, weekly Tuesday observation with a monthly levy and a 15 € threshold, the joint-life rule, the exclusions, the 40-day suspension and the published age tariff; the automatic arbitrage options; the garantie vie universelle and vie entière riders; the ±50% eight-year art. A. 132-4-1 illustration.

S2. Generali Vie — “Document d’information valant Avenant … Himalia — G Croissance 2020” (PA8301AVTD, October 2020)#

  • Publisher: Generali Vie

  • Doc type: Avenant valant document d’information, 23 pp.

  • URL: https://www.altaprofits.com/documentation/pdf/HIMALIA/Doc_info_valant_CG_Himalia.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Code PA8301AVTD — Octobre 2020.

  • Used for: the plancher’s interaction with an eurocroissance engagement — still available below age 75, at least 10% of the valeur atteinte to stay on the euro fund so the premium can be levied (warning letter below 5%), never levied on the fonds croissance; and the eight-year unit decay at 0.25% a quarter (99.0037 → 98.0174).

S3. Generali Vie / Boursorama — “Bourso Vie — Notice d’information valant Conditions générales” (contract 5101)#

  • Publisher: Generali Vie (insurer), Boursorama (souscripteur)

  • Doc type: Notice d’information valant Conditions générales, group contract with individual membership, 52 pp.

  • URL: https://www.boursorama.com/pub/bourso/pdf/avie/cg-brsvie.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). No document code or date printed in the extracted text — the vintage is unknown.

  • Used for: the low-charge variant (nil entry charges, UC charge 0.1875%/quarter by reducing units); art. 9’s UC universe; art. 19, that UC values keep fluctuating between death and settlement; art. 21, the eight-year table whose UC column runs 100 → 99.2521 → … → 94.1711 units and whose euro columns show a zero plancher cost out of the money and 2.01 € in year 1 in the falling scenario; Annexe 3’s plancher terms and age tariff.

S4. Spirica — “LINXEA Spirit 2 — Conditions Générales” (CG4445, 01/07/2024)#

  • Publisher: Spirica (Crédit Agricole Assurances)

  • Doc type: Conditions générales, individual contract, 32 PDF pages

  • URL: https://www.linxea.com/assets/uploads/2020/08/Nouvelle-CG-Spirit-2-1-1.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Footer code “CG4445 - 01/07/2024”.

  • Used for: the implementation anchor. Charges (nil entry, UC 0.125% at each quarter end by reducing units, gestion pilotée band, ±0.60%/±0.10% spreads, free online arbitrage); art. 11.2’s four programmed arbitrage options; Annexe I, the optional garantie décès plancher — ages over 12 and under 75, the net-premium floor, the 300,000 € cap, the published formula Pr = K × (PA / 10 000) × 1/52 observed each Friday, the age tariff per 10,000 € that this model ships as its rate table, the monthly levy taken first from the euro fund then from the largest UC support, the 20 € threshold, the exclusions and cessation at 75; art. 17.1.1’s A. 132-5 warning; art. 17.1.2, no minimum surrender values in euros and a nil cost out of the money; and Annexe II, the 17.2% prélèvements sociaux and its five components, the euro/UC timing asymmetry, the PFONL rates, the 4,600 €/9,200 € abattement and CGI arts. 990 I and 757 B.

S5. Spirica — “LINXEA Spirit 2 — Document d’Informations Clés” (published 01/07/2026)#

  • Publisher: Spirica (ACPR register no. 1021306)

  • Doc type: PRIIPs document d'informations clés for a multi-option product, 4 pp.

  • URL: https://www.linxea.com/document/linxea-spirit-2-kid/

  • Retrieved: YES (PDF downloaded, full text extracted). “Date de publication : 01/07/2026”.

  • Used for: the MOP KID shape — SRI as a range (“entre les classes de risque 1 et 7 sur 7”), cost ranges of 50.25 €–1,668.95 € after one year and 404.84 €–30,028.49 € after eight on 10,000 €, the eight-year recommended holding period, 30-day renonciation, FGAP cover of 70,000 €/90,000 €, and the omission of numeric performance scenarios.

S6. Spirica — “Annexe — Les frais de l’assurance-vie — LINXEA Spirit 2”#

  • Publisher: Spirica

  • Doc type: fee-transparency annex under the arrêté du 24 février 2022 R9, 2 pp.

  • URL: https://www.spirica.fr/wp-content/uploads/2022/05/Frais-transparence-Linxea-Spirit-2.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). No edition date; the table reflects “le dernier exercice clos”.

  • Used for: the 500 € minimum initial premium; contract charge maxima (euro 2.00%, UC 0.50%, gestion pilotée ou standardisée 0.70%); the average ongoing charges of the underlying UC funds by asset class with retrocession rates; nil frais sur versement; arbitrage at 0% online / 15 € paper.

S7. Suravenir — “LINXEA AVENIR 2 — Conditions Contractuelles valant Note d’information” (April 2022, contract n° 2259)#

  • Publisher: Suravenir (Crédit Mutuel Arkéa)

  • Doc type: Conditions contractuelles valant note d’information, 58 pp.

  • URL: https://www.linxea.com/document/linxea-avenir-2-conditions-generales/

  • Retrieved: YES (PDF downloaded, full text extracted). “Avril 2022”.

  • Used for: the monthly levy mechanics — charges accrued daily on the daily balance and levied on UC monthly by cancelling units, with the published one-year arithmetic 99.4000 and 99.2000 units; the differently shaped optional death cover paying the capital sous risque itself, capped at 100,000 € per contract, ages 12 to under 70, a one-year délai de carence, no medical formalities, a monthly tariff per 1,000 €, month-end computation with a levy by 31 December, and cessation at 75; the statement that the euro funds then carry no minimum guaranteed surrender value and art. A. 132-4-1 examples replace it; arbitrage minima and the six-month deferral power; the five programmed options; remise de titres at 1%; and the 3% annuity instalment charge.

S8. Suravenir — “LINXEA AVENIR 2 — Transparence de frais” (réf. TR_SURA_4E25_TUCFR)#

  • Publisher: Suravenir

  • Doc type: fee-transparency table under the arrêté du 24 février 2022 R9, 2 pp.

  • URL: https://www.suravenir.fr/wp-content/uploads/pdf/L8312_LINXEA-Avenir-2_LINXEA.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Reference TR_SURA_4E25_TUCFR.

  • Used for: the 100 € minimum initial premium; contract charge maxima (euro 3.00%, UC 0.60%, mandat d'arbitrage +0.20%); the average ongoing charges of the underlying UC funds by asset class with retrocession rates; nil frais sur versement; the 3.00% annuity charge.

S9. Suravenir — “Demande d’opération(s) : Stop-loss relatif” (réf. 5461 R, 06/2022)#

  • Publisher: Suravenir

  • Doc type: option election form carrying the contractual definition, 3 pp.

  • URL: https://www.linxea.com/document/linxea-avenir-1-2-stop-loss/

  • Retrieved: YES (PDF downloaded, full text extracted). Réf : 5461 R (06/2022).

  • Used for: the trailing stop-loss definition — the loss measured against the highest capital value reached since setup, a 5% minimum threshold, and the switch of the whole capital of the source support.

S10. MACSF épargne retraite — “Notice d’information — RES MULTISUPPORT” (1610201Y)#

  • Publisher: MACSF épargne retraite (insurer), Association AMAP (souscripteur)

  • Doc type: Notice d’information, group contract with individual optional membership, 27 pp.

  • URL: https://www.macsf.fr/content/download/4098/fichier/MACSF_1610201Y_Notice_information_RES_Multisupport.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). File metadata dates it 2024-10-23; printed reference 1610201Y.

  • Used for: the clearest example of a non-optional plancher financed inside the management charge — ART 10 (automatic to the 70th birthday, floor of premiums net of entry charges, also triggered by IFTD, capped at 762,245 € of net premiums, tacitly renewed), ART 8.B (0.10% cotisation plus 0.20% of the 0.50% management charge) and ART 8.D (tariff revisable with the souscripteur); entry and arbitrage charges; ART 8.E’s illiquid-UC penalties; ART 9.A’s A. 132-5 warning; ART 11–12’s provision mathématique and surrender-value recursions written in units — the only retrieved primary document that measures a UC provision that way, and the closest support for the conventional reading of REG-R6; ART 12.A’s eight-year unit tables at 0.60% and 0.50% a year; ART 12.B–12.C’s J+3 dating; ART 13.A’s pro-rata default allocation of a partial surrender and the accepting-beneficiary rule; ART 15; ART 4B’s maximum age 85; ART 19’s tax articles including CGI 995.

S11. Afer — “Contrat collectif d’assurance vie multisupport Afer — Notice” (60121-1021, October 2021)#

  • Publisher: Association Afer (souscripteur); co-insurers Aviva Vie and Aviva Épargne Retraite

  • Doc type: Notice d’information, group contract, 53 pp. with five annexes

  • URL: https://www.afer.fr/content/uploads/2022/02/60121-1021-notice-contrat-collectif-assurance-vie-multisupport-afer.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). “ÉDITION OCTOBRE 2021”. Caveat carried over: the Aviva France business has since been sold and rebranded, so the current co-insurer names are unverified and this notice must not be cited for them.

  • Used for: nil UC entry charges with 0.5% on euro premiums, 0.475% p.a. management on both legs, no arbitrage charges at all; the automatic, age-independent plancher at 0.055% p.a. “mutualisé entre tous les adhérents”; Annexe 3, the note technique defining the floor per support as max(units × PRUM, account value) with the running-average PRUM recursion and its worked example (20.80 € then 20.84 €), and the Wednesday valuation after receipt of the death certificate; Annexe 4, the worked Sécurisation des Performances and Dynamisation des Intérêts examples; and the ten-year deposit / twenty-year escheat reading of the loi Eckert periods.

S12. SAF BTP VIE (PRO BTP) — “Document d’informations clés générique — contrat Multisupport CONFIANCE” (13 May 2025)#

  • Publisher: SAF BTP VIE, groupe PRO BTP

  • Doc type: PRIIPs document d'informations clés (generic MOP KID), 4 pp.

  • URL: https://www.probtp.com/files/live/sites/probtp/files/media/pdf/epargne/dici/dic_generique_contrat_multisupport_confiance.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Produced 13 mai 2025.

  • Used for: the SRI range (“classe de risque 1 à 5 sur 7”); cost ranges of 73 €–648 € after one year and 724 €–4,553 € after eight per 10,000 €; the eight-year term and holding period; the 30-day renonciation; FGAP 70,000 €; the 3% annuity charge; and the plancher biting before the 80th birthday on gross premiums revalorised annually at a rate set by the insurer — the discretionary-indexation design. Caveat carried over: the extracted text transposes the cost table’s row labels, and only the reverse reading is arithmetically consistent with a 10,000 € investment; that is the reading used.

S13. SAF BTP VIE (PRO BTP) — “Notice d’information résumant les conditions générales — contrat Multisupport CONFIANCE”#

  • Publisher: SAF BTP VIE

  • Doc type: Notice d’information, 81 pp.

  • URL: https://www.probtp.com/files/live/sites/probtp/files/media/pdf/epargne/notice-info-cg-multisupport-confiance.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). No edition code in the extracted text.

  • Used for: art. 8.2’s floor of max(épargne constituée, gross premiums less the capital component of partial surrenders, revalorised annually at a discretionary rate) before the 80th birthday; art. 32.4, the operative charging clause — a UC charge capped at 0.80% p.a. of the épargne constituée per support, including the plancher financing, ceasing beyond the 80th birthday, computed on the number of units held at the end of each calendar month, levied at the next valuation date and reducing the number of units; art. 32.2’s four-decimal unit conversion; art. 32.3’s reinvestment of income; art. 32.5’s A. 132-5 warning; art. 32.6’s 60% real-estate cap; art. 33’s avances at 60% of UC savings and TME + 1%; art. 19’s annual statement and plancher-renewal notice; the 0.5% arbitrage charge with three free a year; and the +0.30% managed-mode surcharge.

Regulatory and actuarial references [R#] (product research file numbering)#

R1. Code des assurances, art. L. 131-1#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038611256

  • Retrieved: YES (article page; in force since 24 May 2019, as amended by loi n° 2019-486 (loi PACTE) art. 72).

  • Used for: the permission to express guaranteed capital or annuities in unités de compte drawn from a decree list, and the settlement rules — cash by default, delivery of the underlying securities in three cases, barred on voting-right securities and on a >10% holding in the preceding five years. Carried caveat, repeated in both documents: the number-not-value principle is not in L. 131-1 itself — it is imposed by A. 132-5 R2.

R2. Code des assurances, art. A. 132-5#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000006786185

  • Retrieved: YES (article page; in force since 2 May 2007).

  • Used for: the disclosure obligation that drives the whole model — the insurer “ne s’engage que sur le nombre d’unités de compte, mais pas sur leur valeur”, the unit value being unguaranteed and market-dependent.

R3. Code des assurances, art. R. 131-1#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000043560691

  • Retrieved: YES (article page; version in force from 6 May 2026).

  • Used for: the UC eligibility list borrowing the R. 332-2 classes R4, the real-estate vehicles admitted on the R. 131-2 to R. 131-4 conditions, and Part III’s substitution requirement. Carried caveat: the fetch paraphrased the enumerations, so the concentration percentages of Part II are not quoted in either document.

R4. Code des assurances, art. R. 332-2#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000037635496

  • Retrieved: YES (article page; version dated 22 November 2018).

  • Used for: the asset classes R. 131-1 borrows — OECD sovereign bonds, regulated-market securities and corporate debt, SICAV shares and FCP units, listed equities, insurance-company shares, and the 9° bis real-estate vehicles. Carried caveat: the limbs were summarised, not transcribed.

R5. Code des assurances, art. L. 131-1-1#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000038507517

  • Retrieved: YES (article page; in force 24 October 2024).

  • Used for: the suitability gate on alternative-fund and financing-vehicle units, and the exemptions for retail ELTIFs and contracts under an arbitrage mandate.

R6. Code des assurances, art. L. 131-1-2#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000049720147

  • Retrieved: YES (article page; in force 1 January 2025).

  • Used for: the mandatory offering — at least one UC holding 5%–15% of social-economy, venture-capital or specialised-fund securities, at least one UC per State-recognised green or SRI label, and disclosure of the qualifying proportion.

R7. Code des assurances, arts. R. 131-1 to R. 131-12 (unit-linked chapter)#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006073984/LEGISCTA000006158245/

  • Retrieved: YES (chapter listing plus targeted reading of R. 131-8 to R. 131-12).

  • Used for: the redemption-gating rules — which requests a suspension catches, roll-forward or cancellation, the floor at the last published liquidation value, the at-least-as-favourable restriction, durable-medium notification and unenforceability against an uninformed client, ACPR notification, and quarterly-disclosed estimated values.

R8. Code de la sécurité sociale, art. L. 136-7 (CSG on produits de placement)#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000047288474/2023-03-11

  • Retrieved: YES (article page; version served dated 11 March 2023).

  • Used for: the euro/UC asymmetry the tax modeling turns on — II, 3°, a) the levy at inscription for euro rights and for the euro component of a multisupport contract; II, 3°, b) at the guarantee; II, 3°, c) at dénouement or on death for the unit-linked component; and III bis, restitution of an excess where the final liquidation gives a negative base.

R9. Arrêté du 24 février 2022 (transparence sur les frais du PER et de l’assurance-vie)#

  • Publisher: Journal officiel / Légifrance (JORFTEXT000045299785)

  • URL: https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000045299785

  • Retrieved: YES (consolidated text page).

  • Used for: the prescribed per-support table (ISIN, management company, gross performance N−1, support fees, net performance, contract fees, total fees, final performance, retrocession rate) and its 1 July 2022 entry into force — the regime [S6] and [S8] instantiate.

R10. Loi n° 2014-617 du 13 juin 2014 (“loi Eckert”)#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/loda/id/JORFTEXT000029095362

  • Retrieved: YES (consolidated text page). In force 1 January 2016.

  • Used for: the annual RNIPP search through a professional body, the beneficiary search, deposit with the Caisse des dépôts ten years after the insurer learns of the death, and escheat twenty years later. The ten-plus-twenty reading is corroborated by [S11]; the insurer’s annual reporting duty is unverified.

R11. Code des assurances, art. L. 132-5 (post-mortem revalorisation)#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000029098941

  • Retrieved: YES (article page; in force since 1 January 2016).

  • Used for: the duty to revalorise the death capital from the date of death to receipt of the L. 132-23-1 documents or deposit with the Caisse des dépôts, at not less than a decreed rate. The decree’s numerical rate was not exposed in the fetched text and is unverified.

R12. Code des assurances, art. L. 132-23-1 (settlement deadline and late interest)#

  • Publisher: Légifrance

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000017841432/2013-07-28

  • Retrieved: YES — but the URL is date-pinned and served the 19 December 2007 to 1 January 2016 version, i.e. the text before the loi Eckert amendments R10.

  • Used for: the one-month deadline and the legal-rate interest ladder as they stood in that version. The current wording, including the fifteen-day document-request step, is unverified here and is cited instead from REG-R31, which was fetched current.

R13. France Assureurs — “L’assurance vie en unités de compte — Année 2025”#

  • Publisher: France Assureurs

  • URL: https://www.franceassureurs.fr/wp-content/uploads/2025_assurance-vie-en-uc.pdf

  • Retrieved: YES (PDF downloaded, full text extracted), 16 pp.

  • Used for: the charge levels this model’s std parameters are set from — the encours-weighted average contract charge on UC of 0.88% (0.82% gestion libre, 1.17% gestion sous mandat), 0.66% on euro supports, 0.73% all in, and 1.60% of recurring costs inside the underlying funds. Also 2025 UC premiums of 75.1 bn € (39.1% of life premiums), UC benefits of 32.6 bn €, net inflow of 42.5 bn €, UC provisions mathématiques of 666.4 bn €, performance of +5.5% and a five-year average of +4.9%. The ~4.9%-of-provisions aggregate outflow anchoring the surrender table is derived from this entry, not published in it.

R14. France Assureurs — “L’assurance vie en unités de compte en 2025” (chiffres clés page)#

  • Publisher: France Assureurs

  • URL: https://www.franceassureurs.fr/nos-chiffres-cles/assurance-vie/assurance-vie-unite-de-compte-2025/

  • Retrieved: YES (web page).

  • Used for: cross-checking R13, and the UC share of total assurance vie encours — 32% at end-2025, thirteen points above 2005, against 68% for euro supports.

R15. AMF — Position-recommandation DOC-2011-05, “Guide des documents réglementaires des OPC”#

  • Publisher: Autorité des marchés financiers

  • URL: https://www.amf-france.org/sites/institutionnel/files/private/2023-02/DOC-2011-05_VF14_PRIIPs.pdf

  • Retrieved: YES (PDF downloaded, full text extracted), 44 pp. Created 18 February 2011, amended 16 February 2023.

  • Used for: the retrievable anchor of the PRIIPs citation chain — DOC-2011-05 names Regulation (EU) No 1286/2014 and Delegated Regulation (EU) 2017/653 among its textes de référence, which is how those instruments are referred to at all given that EUR-Lex could not be fetched.

R16. AMF — “Comprendre le document d’informations clés (DIC)” (guide pédagogique)#

  • Publisher: Autorité des marchés financiers

  • URL: https://www.amf-france.org/sites/institutionnel/files/contenu_simple/guide/guide_pedagogique/Comprendre%20le%20document%20d’informations%20cles%20(DIC).pdf

  • Retrieved: YES (PDF downloaded, full text extracted), 16 pp.

  • Used for: what a DIC is — a European standardised precontractual document of two to three pages at most, delivered a reasonable time before subscription, expressly not a marketing document, applying to collective investments held through a unit-linked life contract. Carried caveat: this edition predates the 2023 extension of the DIC to UCITS and does not describe the current SRI scale or performance-scenario rules.

R17. Regulation (EU) No 1286/2014 (PRIIPs)#

  • Publisher: European Union / EUR-Lex

  • URL: https://eur-lex.europa.eu/eli/reg/2014/1286/oj/eng

  • Retrieved: NO — EUR-Lex returned an empty body to both a remote fetcher and a browser-UA download (HTML and PDF endpoints both zero bytes). Known reference only, fetched_ok = false.

  • Used for: nothing substantive. Cited only in the disclosure that no PRIIPs article number is asserted anywhere in these documents; its existence and its status as the source of the document d'informations clés rest on R15 and on the DICs themselves [S5] [S12].

R18. Commission Delegated Regulation (EU) 2017/653 (PRIIPs RTS)#

  • Publisher: European Union / EUR-Lex

  • URL: https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX:32017R0653

  • Retrieved: NO — same failure mode as R17. Known reference only, fetched_ok = false.

  • Used for: nothing substantive. Cited only in the disclosure that the SRI 1–7 methodology, the performance-scenario set and the reduction-in-yield formula are unverified here and are described only from the DICs that implement them [S5] [S12].

Cross-product references ([REG-R#])#

Cited with the [REG-R#] prefix to avoid collision with this product’s own R-numbering. Full annotated entries, with URLs and retrieval markers, live in references/regulatory-and-actuarial-references.md (R1–R49 frozen).

Tag

Short title

Relevance here

Retrieval status (per that file)

REG-R1

Directive 2009/138/CE — Solvabilité II

best estimate + risk margin as the valuation frame

not fetched (EUR-Lex WAF); article numbers unverified

REG-R2

Règlement délégué (UE) 2015/35

why no cost-of-capital rate, lapse shock or expense rule here rests on a retrieved text

not fetched (same)

REG-R4

EIOPA — Solvency II framework page

the authority on which the best-estimate definition is stated

fetched

REG-R6

C. ass. art. R. 343-3 — eleven technical provisions

enumerates the eleven provisions and defines the provision mathématique; it does not say which of them carries a unités de compte engagement, so that placement is unverified here

fetched

REG-R13

HCSF — CMF art. L. 631-2-1 (loi Sapin 2 art. 49)

power to limit surrenders and to defer or restrict arbitrages

fetched

REG-R19

C. ass. art. L. 134-1 and R. 134-1 to R. 134-12

the eurocroissance third leg, cross-referenced and out of scope

fetched

REG-R23

C. ass. art. A. 335-1 and its Annexe

which mortality tables a French tariff may lawfully use

fetched, but in a pre-2016 version; current placement unverified

REG-R24

INSEE — mortalité, espérance de vie

the only redistributable French mortality data, behind every shipped decrement CSV

fetched; licence terms unverified

REG-R29

C. ass. arts. L. 132-5-1 / L. 132-5-2

the 30-day renonciation, the note d'information duty and the eight-year sanction cap; it does not carry the eight-year minimum-surrender-value table, which is cited to the insurer documents instead

fetched

REG-R30

C. ass. arts. A. 132-4 / A. 132-8

maxima must be disclosed, not capped — why every charge level here is std

fetched

REG-R31

C. ass. arts. L. 132-21 / L. 132-22 / L. 132-23-1

two-month surrender settlement, the death-payment clock, the annual UC statement

fetched (current versions)

REG-R33

PRIIPs — Règlement (UE) 1286/2014 and AMF DOC-2011-05

the DIC regime; insurance-side SRI and scenario mechanics unverified

regulation not fetched; AMF document fetched

REG-R39

Loi n° 2014-617 (loi Eckert)

ten-year deposit and twenty-year escheat of unclaimed proceeds

fetched

REG-R40

CGI art. 125-0 A

the eight-year threshold that shapes the surrender assumption

fetched; the 150,000 € threshold unverified

REG-R41

CGI arts. 990 I and 757 B

beneficiary-side death taxation, pre- and post-70 premiums

fetched

REG-R43

Institut des actuaires — NPA 1

the professional frame for assumption setting

fetched

REG-R44

Institut des actuaires — NPA 2 (modèles actuariels)

the standard this documentation and test suite are written against

fetched; NPA 4 not retrieved

REG-R45

IFRS 17

the accounting frame; VFA mechanics unverified

fetched (landing page only)

REG-R48

France Assureurs — assurance vie en UC en 2025

the cross-product market charge and performance averages

fetched

Provenance note#

Extraction details live in _research/assurance-vie-uc.md: which fact came from which document, the browser-User-Agent-plus-PyMuPDF retrieval method, the two EUR-Lex failures R17 R18, the ACPR 403 that leaves the prudential and reserving treatment of the garantie plancher entirely uncited, the superseded version of L. 132-23-1 R12, the undated Bourso Vie document [S3], the ambiguous ‰ phrasing in Suravenir’s encadré [S7], the transposed cost-table row labels in PRO BTP’s DIC [S12], and the absence of any bancassurance document from the sample (S14 not retrieved). It also records the two findings that shape this product’s documents most: no retrieved document offers a plancher cliquet, and no insurer publishes the mortality table, age definition, expense loading or margin behind its plancher tariff, so the tariff cannot be decomposed into qx plus loading.

The cross-product bibliography references/regulatory-and-actuarial-references.md plays the same role for [REG-R#] tags. Standardizations marked std in product-spec.md and technical-notes.md are introduced at drafting and are not attributable to any source.

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