The landscape of life assurance in the United Kingdom has evolved dramatically, with digital platforms transforming how individuals plan for their financial futures. As we move through 2026, the demand for personalised, transparent, and low-fee investment products continues to rise. Online life insurance solutions have emerged as a compelling alternative to traditional offerings, catering to investors seeking medium to long-term growth with managed, automated, and tailored strategies. This article examines five prominent digital life assurance platforms, exploring their unique features, management fees, performance potential, and suitability for different investor profiles. Understanding the nuances of each platform is essential for making informed decisions about retirement savings, inheritance planning, and wealth management in an increasingly competitive marketplace.
| Platform | Management Approach | Fee Structure | Investment Focus | Backing & Regulation | Best Suited For |
|---|---|---|---|---|---|
| Nalo | Personalised, automated robo-advisor with tailored asset allocation based on individual goals and timeframes | Competitive, lower than traditional products; transparent fees including platform charges and underlying ETF costs | Diversified portfolios combining secure euro funds and ETFs; socially responsible investing options available | Backed by Generali and Apicil; registered with ORIAS | Investors seeking hands-off, medium to long-term (8+ years) managed approach with personalised service |
| Corum Life | Focus on property investment through SCPIs and related products; less emphasis on full diversification | Competitive but varies by product; SCPI and structured products may incur additional fees; subscription and arbitrage fees may apply | Property-related assets including SCPIs for income generation and capital growth; euro funds and unit-linked investments | Backed by Swiss Life; registered with ORIAS | Investors interested in property exposure, income generation, and comfortable with property market cycles and liquidity constraints |
| Placement-direct Vie | Wide range of self-directed options; tools and resources for informed decisions; access to financial advisors | Competitive management fees; low or waived subscription and arbitrage fees; total cost depends on product selection | Extensive universe: euro funds, unit-linked investments, ETFs, SCPIs, structured products, and direct shares | Backed by established insurers; registered with ORIAS | Active investors with financial literacy seeking flexibility, choice, and willingness to manage their own portfolios |
| Linxea Avenir | Streamlined, self-directed approach; tools provided but no automated, personalised management | Exceptionally low fees; no subscription or arbitrage fees; consistently among lowest-cost contracts | Curated selection of high-quality euro funds (including Netissima) and unit-linked investments, ETFs, and actively managed funds | Backed by Apicil and Generali; registered with ORIAS | Cost-conscious, self-directed investors comfortable making their own decisions; medium to long-term horizon |
| Boursorama Vie | Flexible, self-directed with customisable or pre-selected model portfolios; no algorithm-driven management | Competitive but not always the lowest; low or waived subscription and arbitrage fees; transparent charging | Euro funds, unit-linked investments, ETFs, actively managed funds; socially responsible investing options | Backed by Boursorama and Société Générale; registered with ORIAS | Boursorama clients seeking integrated banking and investment; self-directed investors valuing convenience and broad choice |
Nalo
Nalo has established itself as a forward-thinking French FinTech specialising in managed life insurance that invests savings according to individual life plans. The platform addresses the growing appetite for digital investment solutions that combine transparency with personalised service. Nalo caters to investors who prefer a hands-off approach, allowing the robo-advisor to handle asset allocation and portfolio rebalancing automatically. The service is designed for those who wish to benefit from diversified portfolios without the complexity of selecting individual investment products themselves.
One of the defining characteristics of Nalo is its commitment to tailored management. Rather than offering a one-size-fits-all solution, Nalo adjusts asset allocation based on your specific goals and the timeframe you have in mind for your investment. This means that whether you are saving for retirement, planning for inheritance, or building wealth over the medium term, the platform adapts its strategy to suit your circumstances. Capital is typically split between secure euro funds and diversified ETFs, providing a balance between capital protection and growth potential.
Management fees are a critical consideration for any investor, and Nalo positions itself competitively in this regard. The platform aims to offer lower costs than many traditional life insurance products, which often carry higher charges due to advisory services and distribution expenses. By operating primarily online, Nalo reduces overheads and passes these savings on to clients. The total management fees encompass both the platform's charges and the underlying costs of the ETFs and funds within the portfolio, and these are designed to be transparent and easy to understand.
Performance at Nalo depends on several factors, including the asset allocation chosen for your profile, the performance of the underlying ETFs, and prevailing market conditions. The platform employs a strategy that seeks to deliver better returns than standard euro funds, which have historically offered modest yields. By incorporating unit-linked investments and trackers, Nalo aims to capture growth opportunities across global markets while maintaining a level of risk management appropriate to your timeframe and risk tolerance.
The platform is backed by reputable insurers such as Generali and Apicil, providing the reassurance of established financial institutions behind the digital interface. Nalo is also registered with ORIAS, the French register of insurance intermediaries, which adds an additional layer of regulatory oversight. This combination of innovation and security is designed to appeal to modern investors who value both technology and trust.
Among the advantages of Nalo are its personalised management approach, competitive fees, and the ability to manage multiple projects within a single contract. The platform offers human support, ensuring that clients can access advice and assistance when needed, which distinguishes it from fully automated robo-advisors with no personal interaction. Additionally, Nalo incorporates socially responsible investing principles, allowing investors to align their portfolios with eco-responsible values if they choose.
However, Nalo may not be suitable for everyone. The platform requires a higher entry point compared to simple savings accounts, which may deter those with smaller amounts to invest. Performance is inherently linked to market conditions and the management mandate, meaning that returns are not guaranteed and can fluctuate. Furthermore, the managed nature of the service means you relinquish some control over individual investment decisions, which may not appeal to those who prefer a more hands-on approach or wish to select direct shares themselves.
Before subscribing to Nalo, it is advisable to consider your life plans carefully, compare management fees with other platforms, and review the investment approach to ensure it aligns with your expectations. The platform is most suitable for investors with a medium to long-term horizon, ideally eight years or more, to optimise the tax benefits available under French life insurance regulations. Capital gains taxation and inheritance planning are areas where Nalo can offer advantages, but these depend on individual circumstances and the structure of your overall financial situation.
Corum life
Corum Life is another significant player in the digital life assurance arena, distinguished by its focus on property investment through SCPIs and related products. The platform is operated by Corum, a well-known name in the French property investment sector, and it brings this expertise to the life insurance market. Corum Life appeals to investors who are interested in diversifying their portfolios with property-related assets while benefiting from the tax advantages and flexibility of a life insurance contract.
The platform offers a range of investment options, including euro funds, unit-linked investments, and structured products. A notable feature of Corum Life is its emphasis on SCPI, which are collective investment schemes that pool capital to invest in commercial and residential property. These vehicles provide exposure to the property market without the need to purchase and manage physical assets directly. For investors seeking income generation and capital growth through property, Corum Life presents a compelling proposition.
Management fees at Corum Life vary depending on the investment products selected. The platform strives to offer competitive pricing, though the inclusion of SCPI and structured products can introduce additional layers of fees compared to more straightforward ETF-based portfolios. Subscription fees and arbitrage fees may apply, and it is important to review the fee structure in detail to understand the total cost of ownership. Transparency is a key consideration, and Corum Life provides detailed documentation to help investors assess the charges associated with their chosen investments.
Performance at Corum Life is influenced by the performance of the underlying property assets and the broader market conditions affecting real estate. SCPI have historically offered attractive yields, particularly in periods of strong rental demand and rising property values. However, property investments can also be subject to market cycles, liquidity constraints, and economic downturns, which may impact returns. The platform aims to balance these risks through diversification and careful selection of SCPI and other assets.
Corum Life is backed by Swiss Life, a leading European insurance and financial services provider, which adds credibility and financial strength to the platform. This partnership ensures that policyholders benefit from the security and stability of a well-established insurer. The platform is also registered with ORIAS, meeting the regulatory standards required for insurance intermediaries in France.
Advantages of Corum Life include its specialisation in property investment, the potential for attractive yields from SCPI, and the flexibility of a life insurance contract that allows for multiple projects and inheritance planning. The platform offers withdrawal flexibility, enabling investors to access their capital when needed, subject to the terms of the contract. Customer reviews often highlight the quality of support and the expertise of the team in property-related investments.
On the downside, Corum Life may not be ideal for those seeking a fully diversified portfolio with significant exposure to equities and bonds. The focus on property means that investors are more concentrated in this asset class, which can increase risk if the property market experiences a downturn. Additionally, SCPI can be less liquid than publicly traded securities, meaning that it may take longer to exit positions or access capital in some circumstances. Management fees for property-related products can also be higher than those for simple equity trackers, which is an important consideration for cost-conscious investors.
Investors considering Corum Life should evaluate their appetite for property investment, their need for income versus capital growth, and their overall asset allocation strategy. The platform is particularly suitable for those with a long-term investment horizon who are comfortable with the specific risks and characteristics of property as an asset class. It is also worth comparing the fees and performance of Corum Life with other platforms to ensure that it offers the best fit for your financial goals.
Placement-direct vie
Placement-direct Vie is a digital life assurance platform that positions itself as a comprehensive solution for investors seeking a wide range of investment options within a single contract. The platform is operated by Placement-direct, a French online investment service, and it offers access to euro funds, unit-linked investments, ETFs, SCPI, structured products, and even direct shares. This breadth of choice appeals to investors who want the flexibility to build a highly customised portfolio or to switch between different asset classes as their circumstances and market conditions change.
The platform is designed to cater to both novice investors and more experienced individuals who wish to take a more active role in managing their investments. Placement-direct Vie offers tools and resources to help clients make informed decisions, including performance data, risk assessments, and portfolio analysis. For those who prefer a guided approach, the platform also provides access to financial advisors who can offer advice and support.
Management fees at Placement-direct Vie are structured to be competitive, though the total cost depends on the investment products selected. The platform charges a management fee on assets under management, and there may be additional fees for certain products, such as SCPI or structured products. Subscription fees and arbitrage fees are generally low or waived, which can make the platform attractive for active investors who wish to adjust their portfolios regularly. Transparency is a priority, and Placement-direct Vie provides clear information on all charges, enabling investors to compare costs with other platforms easily.
Performance at Placement-direct Vie is highly variable, reflecting the diverse range of investment options available. Investors who choose a diversified portfolio of ETFs may experience returns in line with global equity markets, while those who opt for SCPI or structured products may see different performance profiles. The platform does not impose a single investment strategy, allowing each client to tailor their approach according to their risk tolerance, time horizon, and financial objectives. This flexibility can be a strength, but it also places greater responsibility on the investor to make sound decisions.
Placement-direct Vie is backed by established insurers, ensuring that the life insurance contracts are secure and compliant with French regulations. The platform is registered with ORIAS, providing assurance that it meets the required standards for insurance intermediaries. Customer reviews often commend the platform for its wide range of options and the quality of its online tools, though some note that the breadth of choice can be overwhelming for those new to investing.
Among the advantages of Placement-direct Vie are its extensive investment universe, low fees on core products, and the flexibility to manage your portfolio actively or to delegate management if you prefer. The platform supports multi-project management within a single contract, which can simplify administration and optimise tax benefits. Withdrawal flexibility and inheritance planning features are also strong points, making Placement-direct Vie suitable for a variety of life stages and financial goals.
However, the platform may not be the best fit for investors who prefer a fully managed, hands-off approach. The wide range of options requires a degree of financial literacy and confidence to navigate effectively, and those who lack experience may find the decision-making process challenging. Additionally, while the platform offers access to financial advisors, the level of personalised management is not as comprehensive as that provided by dedicated robo-advisors such as Nalo. Investors seeking a highly automated, algorithm-driven approach may prefer alternatives that offer more integrated portfolio management.
Before choosing Placement-direct Vie, it is important to assess your comfort level with making investment decisions, your willingness to engage with the platform's tools and resources, and your overall investment strategy. The platform is particularly well-suited to investors with a medium to long-term horizon who value choice and flexibility, and who are prepared to take an active role in managing their wealth. Comparing the fees, product range, and support services with other digital life assurance platforms will help you determine whether Placement-direct Vie is the right option for your needs.
Linxea avenir
Linxea Avenir is a widely recognised digital life assurance platform in France, known for its competitive fees, strong performance, and ease of use. Operated by Linxea, a leading online broker, the platform offers a streamlined approach to life insurance with access to a carefully curated selection of euro funds and unit-linked investments. Linxea Avenir is designed to appeal to investors who want a straightforward, cost-effective solution without sacrificing quality or performance.
The platform is particularly popular among cost-conscious investors, as it consistently ranks among the lowest-cost life insurance contracts in the market. Management fees are typically very low, and there are no subscription fees or arbitrage fees, which can significantly reduce the total cost of ownership over the long term. This fee structure makes Linxea Avenir an attractive option for those who are seeking to maximise returns by minimising charges, and it is often recommended by independent financial advisors and comparison websites.
Linxea Avenir offers access to a range of high-quality investment products, including the popular Netissima fund, which combines capital protection with the potential for enhanced returns. The platform also provides access to a diversified selection of unit-linked funds, including ETFs and actively managed funds, allowing investors to build portfolios that align with their risk profiles and investment objectives. The emphasis is on simplicity and quality, with a focus on products that have demonstrated strong performance and reliability.
Performance at Linxea Avenir is influenced by the choice of funds and the prevailing market conditions. The platform does not offer personalised, algorithm-driven management in the same way as robo-advisors like Nalo, but it does provide tools and information to help investors make informed decisions. Investors who select a diversified portfolio of unit-linked funds can expect returns that reflect the performance of the underlying assets, with the potential for higher long-term growth compared to traditional euro funds. The Netissima fund, in particular, is known for offering competitive returns with a degree of capital protection, making it a popular choice for risk-averse investors.
Linxea Avenir is backed by leading insurers such as Apicil and Generali, ensuring that the life insurance contracts are secure and compliant with French regulations. The platform is registered with ORIAS, providing additional assurance of regulatory oversight and consumer protection. Customer reviews frequently highlight the platform's low fees, strong performance, and the quality of customer support, which is available to assist with queries and administrative matters.
Among the advantages of Linxea Avenir are its exceptionally low fees, access to high-quality investment products, and a reputation for strong performance. The platform is easy to use, with a clear online interface that simplifies the process of subscribing, managing, and monitoring your life insurance contract. Withdrawal flexibility and inheritance planning features are well-developed, and the platform supports multiple projects within a single contract, which can enhance tax efficiency and simplify financial planning. Linxea Avenir is also suitable for investors with varying levels of experience, as it provides resources and support to help clients make informed decisions.
However, Linxea Avenir may not be the best choice for investors seeking a highly personalised, managed approach. The platform does not offer the same level of automated, tailored portfolio management as robo-advisors, which means that investors need to take a more active role in selecting funds and managing their asset allocation. For those who prefer a hands-off approach or who lack the confidence to make investment decisions independently, a platform with delegated management may be more suitable. Additionally, while the range of investment products is strong, it is more limited than some competitors that offer access to SCPI, structured products, or direct shares.
Before subscribing to Linxea Avenir, it is important to consider your investment experience, your preference for self-directed versus managed investment, and your overall financial goals. The platform is particularly well-suited to cost-conscious investors with a medium to long-term horizon who are comfortable making their own investment decisions and who value simplicity and transparency. Comparing the fees, product selection, and support services with other digital life assurance platforms will help you determine whether Linxea Avenir is the right fit for your needs.
Boursorama vie
Boursorama Vie is the life assurance offering from Boursorama, one of France's leading online banks. The platform benefits from the broader ecosystem of Boursorama's banking services, providing a seamless integration with current accounts, savings products, and other financial services. Boursorama Vie is designed to appeal to clients of the bank who want a convenient, all-in-one solution for managing their savings and investments, and it is also open to new clients who are attracted by the platform's competitive fees and wide range of investment options.
The platform offers access to euro funds, unit-linked investments, ETFs, and a selection of actively managed funds. Boursorama Vie is known for its flexibility, allowing investors to build customised portfolios or to choose from pre-selected model portfolios that align with different risk profiles. The platform also supports socially responsible investing, with a range of eco-responsible portfolios for those who wish to invest in line with environmental and social values. This breadth of choice, combined with the convenience of integrating life assurance with everyday banking, makes Boursorama Vie a popular option for a wide range of investors.
Management fees at Boursorama Vie are competitive, though not always the lowest in the market. The platform charges a management fee on assets under management, and there may be additional fees for certain investment products. Subscription fees and arbitrage fees are generally low or waived, which can make the platform attractive for active investors. Transparency is a key feature, with clear information provided on all charges, enabling investors to understand the total cost of their investment. The integration with Boursorama's online banking platform also provides a convenient way to monitor fees and performance in one place.
Performance at Boursorama Vie depends on the investment products selected and the prevailing market conditions. The platform offers access to a range of high-quality funds, including both actively managed and passive options, allowing investors to tailor their portfolios to their risk tolerance and investment objectives. Investors who choose a diversified portfolio of unit-linked funds can expect returns that reflect the performance of the underlying assets, with the potential for long-term growth. The platform also offers the Netissima fund, which provides a degree of capital protection alongside the potential for enhanced returns.
Boursorama Vie is backed by the financial strength of Boursorama and its parent company, Société Générale, providing reassurance of stability and security. The platform is registered with ORIAS, ensuring compliance with French regulations for insurance intermediaries. Customer reviews often highlight the convenience of having life assurance integrated with online banking, the quality of customer support, and the wide range of investment options available. However, some reviews note that the platform can be less intuitive for those who are not already familiar with Boursorama's banking services.
Among the advantages of Boursorama Vie are its integration with online banking, competitive fees, and a wide range of investment options. The platform supports multi-project management within a single contract, which can simplify administration and enhance tax efficiency. Withdrawal flexibility and inheritance planning features are well-developed, and the platform offers resources and tools to help investors make informed decisions. Boursorama Vie is also suitable for investors who value the convenience of managing all their financial products in one place, with a single login and a unified view of their accounts.
However, Boursorama Vie may not be the best choice for investors seeking a highly personalised, algorithm-driven approach to portfolio management. The platform does not offer the same level of automated, tailored management as dedicated robo-advisors, which means that investors need to take a more active role in selecting funds and managing their asset allocation. For those who prefer a hands-off approach or who lack the confidence to make investment decisions independently, a platform with delegated management may be more suitable. Additionally, while the integration with online banking is a strength for existing Boursorama clients, it may be less appealing to those who prefer to keep their banking and investment services separate.
Before choosing Boursorama Vie, it is important to consider your overall banking and investment needs, your preference for self-directed versus managed investment, and your financial goals. The platform is particularly well-suited to clients of Boursorama who value the convenience of an integrated approach, as well as to cost-conscious investors with a medium to long-term horizon who are comfortable making their own investment decisions. Comparing the fees, product selection, and support services with other digital life assurance platforms will help you determine whether Boursorama Vie is the right option for your needs.