{"id":39150,"date":"2026-02-05T00:01:17","date_gmt":"2026-02-04T23:01:17","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=39150"},"modified":"2026-03-02T16:40:06","modified_gmt":"2026-03-02T15:40:06","slug":"lassurance-vie-a-lere-de-lurgence-climatique-une-offre-en-uc-hors-de-controle-loin-des-attentes-des-epargnants","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/2026\/02\/05\/lassurance-vie-a-lere-de-lurgence-climatique-une-offre-en-uc-hors-de-controle-loin-des-attentes-des-epargnants\/","title":{"rendered":"L&rsquo;assurance-vie \u00e0 l&rsquo;\u00e8re de l&rsquo;urgence climatique : une offre en UC hors de contr\u00f4le, loin des attentes des \u00e9pargnants"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-bottom:20px;--awb-bg-size:cover;--awb-border-color:#8ac56b;--awb-border-style:solid;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:justify;--awb-text-color:var(--awb-color4);--awb-text-font-family:&quot;Montserrat&quot;;--awb-text-font-style:normal;--awb-text-font-weight:700;\"><p>L&rsquo;assurance-vie est de loin le premier produit d\u2019\u00e9pargne des Fran\u00e7ais. Depuis plus de 10 ans, l\u2019un de ses deux supports, les unit\u00e9s de compte (UC), s\u00e9duit de plus en plus d&rsquo;\u00e9pargnants au point de repr\u00e9senter aujourd\u2019hui pr\u00e8s de 40 % de la collecte en assurance-vie, contre 12 % en 2012. Reclaim Finance s\u2019est int\u00e9ress\u00e9 \u00e0 ce support de l\u2019assurance-vie de plus en plus populaire et cette nouvelle \u00e9tude r\u00e9v\u00e8le l\u2019exposition presque structurelle des UC aux entreprises d\u00e9veloppant de nouveaux projets d\u2019\u00e9nergies fossiles.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-1 fusion-title-text fusion-title-size-two\" style=\"--awb-margin-bottom:10px;--awb-font-size:20px;\"><div class=\"title-sep-container title-sep-container-left fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><span class=\"awb-title-spacer fusion-no-large-visibility fusion-no-medium-visibility fusion-no-small-visibility\"><\/span><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-style:normal;font-weight:600;margin:0;font-size:1em;--fontSize:20;--minFontSize:20;line-height:1.5;\">Key findings:<\/h2><span class=\"awb-title-spacer\"><\/span><div class=\"title-sep-container title-sep-container-right\"><div class=\"title-sep sep- sep-solid\" style=\"border-color:#3e3e3e;\"><\/div><\/div><\/div><div class=\"fusion-separator\" style=\"align-self: flex-start;margin-right:auto;margin-bottom:20px;width:100%;max-width:10%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color4);border-color:var(--awb-color4);border-top-width:5px;\"><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><ul>\n<li>Sur plus de 7500 fonds analys\u00e9s distribu\u00e9s en UC par 27 assureurs-vie, 62 % d\u2019entre eux sont expos\u00e9s \u00e0 au moins un d\u00e9veloppeur d\u2019\u00e9nergies fossiles (charbon thermique et m\u00e9tallurgique, p\u00e9trole et gaz).<\/li>\n<li>15 % des UC sont encore expos\u00e9es \u00e0 des d\u00e9veloppeurs de charbon thermique et plus de 60 % \u00e0 des d\u00e9veloppeurs de p\u00e9trole et de gaz.<\/li>\n<li>Sur plus de 1300 UC analys\u00e9es dont le nom fait allusion \u00e0 la durabilit\u00e9, pr\u00e8s de la moiti\u00e9 (47 %) sont expos\u00e9es \u00e0 au moins un d\u00e9veloppeur d\u2019\u00e9nergies fossiles.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-right:0px;--awb-padding-left:0px;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\" style=\"--awb-content-alignment:justify;\"><div class=\"fusion-text fusion-text-3\">\n<p>Seuls Green-Got et Goodvest se d\u00e9marquent avec une offre en UC sans d\u00e9veloppeur fossile tandis que la Maif, SMA Vie et la Macif disposent d\u2019une offre analys\u00e9e sans d\u00e9veloppeur de charbon thermique.<\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"font-weight: 400;\">L\u2019<\/span><\/span><a href=\"https:\/\/acpr.banque-france.fr\/system\/files\/import\/acpr\/medias\/documents\/20240122_as_bilan_29lec_2023.pdf#page=47\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"><span style=\"text-decoration: underline;\">ACPR<\/span><\/span><\/a> exige d\u00e9sormais des assureurs-vie qu\u2019ils prennent en compte leur offre en UC dans leur strat\u00e9gie d\u2019alignement avec les objectifs de l\u2019Accord de Paris. Si une transformation totale de l\u2019offre en UC demandera du temps, une mesure avec effet imm\u00e9diat peut \u00eatre prise d\u00e8s aujourd\u2019hui. Reclaim Finance appelle les assureurs-vie \u00e0 stopper tout nouveau r\u00e9f\u00e9rencement en UC de fonds expos\u00e9s \u00e0 des d\u00e9veloppeurs d\u2019\u00e9nergies fossiles et exiger des soci\u00e9t\u00e9s de gestion qu\u2019elles cessent de soutenir l\u2019expansion des \u00e9nergies fossiles sous peine de stopper le r\u00e9f\u00e9rencement de leurs fonds.<\/p>\n<\/div>\n<\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat button-medium button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:#ffffff;--button_border_color:var(--awb-color4);--button_accent_hover_color:#ffffff;--button_border_hover_color:#8fc84c;--button_border_width-top:2px;--button_border_width-right:2px;--button_border_width-bottom:2px;--button_border_width-left:2px;--button_gradient_top_color:rgba(138,197,107,0);--button_gradient_bottom_color:rgba(138,197,107,0);--button_gradient_top_color_hover:#8fc84c;--button_gradient_bottom_color_hover:#8fc84c;--button_margin-top:30px;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2026\/01\/Lassurance-vie-a-lere-de-lurgence-clmatique.pdf\"><span class=\"fusion-button-text\">Lire le rapport<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":33,"featured_media":39153,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[],"acteurs_financiers":[2277],"thematique":[],"webinar_type":[],"programme":[3729],"class_list":["post-39150","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rapport","acteurs_financiers-assurances-fr","programme-programme-1-fr"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>L&#039;assurance-vie \u00e0 l&#039;\u00e8re de l&#039;urgence climatique : une offre en UC hors de contr\u00f4le, loin des attentes des \u00e9pargnants - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"L&#039;assurance-vie est de loin le premier produit d\u2019\u00e9pargne des Fran\u00e7ais. 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