H Performance 12 , an autocallable life-insurance product distributed by Hedios Patrimoine in France last year, has matured early delivering a 118% payout. The product was the fourth best-performing product in Europe in October after the underlying MSCI Euro 50 Select Decrement Index - a smart beta version of the Eurostoxx 50 - was 5% above its initial level on the first observation date and which triggered a 'double coupon' of 9%. The product performed as expected, with the bet was that it wou

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