What "independent" really means
At Véloci, "independent" has a precise meaning: no capital ties to any bank, insurer or distribution network. We select solutions from more than 40 approved partners, on one criterion only: their fit with your situation. Our compensation is transparent and disclosed before any implementation via the DER.
The 4 pillars that make the difference.
A wide choice of partners
Where your bank only offers in-house products, Véloci selects from more than 40 approved partners: insurers, asset managers, property developers and banks.
- Objective comparison of life insurance contracts
- SCPIs from several management companies
- Institutional funds and private equity access
- Open architecture on 40+ partners
Transparent pricing
No hidden fees, no surprises. Before each implementation, you know exactly how Véloci is paid.
- Free audit of your existing contract fees
- No surprise billing, agreed in advance
- Systematic prior disclosure (DER + KID)
- No advisory fees for you, paid by partners
Availability & responsiveness
A property opportunity? A family change? Véloci replies within 24h.
- Guaranteed reply within 24 business hours
- In-person in Nancy or video across France
- Proactive follow-up, not just reactive
- Single long-term contact
Educational, no jargon
Finance is our job, not yours. Every recommendation is explained until you understand it perfectly.
- Explanations accessible at any level
- Concise, visual documents
- You stay in charge of every decision
- Financial glossary always available
Concretely, what does it change for you?
Daily difference between a whole-market advisor and a standard bank advisor.
The regulatory stake: MiFID II
The European MiFID II directive redefined "independent" advice in 2018. An advisor can only claim independence if they: (1) offer products from multiple providers, (2) disclose compensation transparently via the DER, (3) act in the client's sole interest. Véloci is built in that spirit: no capital ties, whole-market selection, and compensation disclosed transparently via the DER.