What the analysis covers
Fund fees (mutual funds, ETFs) and SCPI fees: these items are analysed systematically.
Contract fees (envelope fees): when these fees are available from our sources and correctly matched to the contract, Finary includes them in the analysis and displays them at the contract level.
Displayed total: the total fee level shown for a contract combines the fees of the underlying funds and, when present, the contract fees.
Where to see these details
Go to Insights → Fee scanner → Contracts.
Select the contract (life insurance / assurance-vie, PER, etc.).
If Finary has found contract fees for this product, a Contract fees section shows the rate and explains how it is included in the total fee calculation.
If the contract is not matched or information is missing, the contract may be shown as incomplete, and you will be able to complete the information (when allowed).
Editing and rules depending on contract type
Contracts added manually: contract fees are editable in the interface (Insights → Contracts).
Synchronized contracts (automatically matched to our database): when a contract is matched to an entry in our internal database, the values used come from that source and are read-only (not editable from the interface). Matching is performed using indicators such as the financial institution, the account name and the management style; once a contract is matched it is treated as the source of truth.
If a contract is not matched: the contract will be shown as “incomplete” and, depending on the case, you may be able to add or edit the contract fees manually.
Special cases and limitations
If a contract is 100% invested in euro funds, the scanner may not display fees (euro funds are not always presented in the same form as mutual funds / ETFs).
Some elements billed by the insurer (for example one-off fees on contributions, guarantees or very specific fees) may not be provided by the source or may not be modelled by the analysis. In those cases, these items will not appear in the calculation even if the contract is matched.
For synchronized contracts, if you see a large discrepancy between the figures on your contract documents and what Finary shows, contact support so the team can check the match and the data.
Simple examples
Example 1: a fund inside a life insurance contract shows 1.74% internal fees; the insurer charges 0.70% contract fees → Finary displays (if the contract is matched): 1.74% (fund fees) + 0.70% (contract fees) ≈ 2.44% total for the contract.
Example 2: a contract that is 100% invested in euro funds → the scanner may not display a comparable fee value.
Quick FAQ
Q — Why does Finary show fewer fees than my contract?
A — The total shown combines fund fees and, when available and matched, contract fees. Some insurer charges may be missing because they are not provided or are not modelled.
Q — Can I add contract fees manually?
A — Yes — for contracts you added manually you can enter or correct the contract fee rate. For synchronized contracts that are automatically matched, values come from our internal database and cannot be edited via the UI.
Q — How can I tell if my contract is correctly matched?
A — In Insights → Fee scanner → Contracts, the contract page indicates whether a match was found/associated or whether the contract is marked “incomplete”.
Need help?
If you notice a significant discrepancy between the total shown in Finary and your contract documents, please send us:
the insurer / contract name,
a screenshot or transcription of the fee lines (contract fees, fund management fees, contribution fees),
and the page where you looked (Insights → Contracts).
Support will check the match and escalate to product if necessary.