Skarlett
Skarlett is a French digital financial services platform serving individuals over 60, offering comparison and matching for health insurance, loans, credit consolidation, reverse mortgages (viager), and retirement planning through a brokerage commission model.
- Company typePrivate
- Founded2023
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Skarlett does
Skarlett is a French digital financial services platform focused exclusively on individuals aged 60 and over, operating as a registered insurance broker (ORIAS no. 23004755) and credit brokerage broker authorized by the ACPR. Founded in early 2023 by co-founder Benjamin Gaignault and headquartered in Neuilly-sur-Seine, the company addresses three interrelated pain points of the French senior demographic: declining retirement purchasing power, difficulty accessing traditional bank credit, and illiquid real estate wealth trapped in owned properties.
The platform is built around proprietary matching and comparison algorithms that continuously aggregate and homogenize offerings across the insurance, banking, and real estate markets, then recommend the optimal product based on individual needs and budget. Product lines include Mutuelle Senior (senior health insurance comparison), Prêt Bancaire (property-backed loans without income or insurance conditions), Rachat de Crédits (credit consolidation), Viager Sécurisé (reverse mortgage enabling homeowners to monetize up to ~70% of property value while remaining in their homes), Prévoyance Obsèques (funeral insurance), Épargne & Placements (savings), and a Retraite Calculator. Distribution combines a self-serve web platform (form.skarlett.fr) with advisor-assisted sales via callback consultation.
The business model is broker commission-based with all consumer-facing services marketed as free ("100% gratuit"). Skarlett earns affiliate referral commissions from insurance carriers on mutuelle and funeral policies placed, commissions from credit providers on loan origination and consolidation, and transaction-related fees on viager arrangements executed through its marketplace of investment funds. Go-to-market is hybrid sales-led and content-led, leveraging an editorial magazine, a free "Le club" membership program with weekly financial tips, and earned media coverage in Maddyness, BFMTV, Europe 1, Challenges, and Les Echos. To date the company has raised approximately €13.6M across two rounds (€4M seed in April 2023 led by Alven, and ~€9.2M in June 2025 led by 115K, with Motier Ventures and Raise for Good also participating) and is positioned for expansion beyond France into broader European markets.
Skarlett firmographics
Firmographics- Name
- Skarlett
- Legal name
- Skarlett Assurances
- Website
- https://skarlett.fr
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Skarlett is a French digital financial services platform serving individuals over 60, offering comparison and matching for health insurance, loans, credit consolidation, reverse mortgages (viager), and retirement planning through a brokerage commission model.
- Ownership category
- akta.pro rank
Skarlett industry classification
Industry- Product category
- Senior Financial Services Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), Offices of Real Estate Agents and Brokers (53121), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163)
- akta.pro primary industry
- Senior Living & 55+ Community Brokerage (BPAJAAAH)
- akta.pro secondary industries
- Traditional Residential Brokerage (Existing Homes) (BPAJAAAA), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where Skarlett is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Skarlett business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Brokerage Commissions: Skarlett acts as an insurance broker (courtier) registered with ORIAS, earning commissions from insurance product placements including senior mutual health insurance and funeralprevoyance. The service is free for customers.
- Loan and Financing Brokerage: As a certified broker authorized by ACPR, Skarlett facilitates mortgage loans, reverse mortgages (prêt viager hypothécaire), and credit consolidation, earning commissions on successful loan placements.
- Real Estate Transaction Facilitation: Skarlett facilitates viager (reverse mortgage) and real estate sales, helping property owners over 60 monetize their assets while remaining in their homes. Revenue likely generated through transaction fees or ongoing arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free services for consumers - broker commission model |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
Skarlett product offering
Product offeringCore offering
Skarlett is a French brokerage and marketplace platform dedicated to individuals over 60, offering comparison and matching services for senior mutual health insurance, bank loans, credit consolidation, viager (reverse mortgage), funeral insurance, and savings products. The company acts as a registered insurance broker (ORIAS) and credit broker (ACPR), operating a marketplace that connects senior property owners with investment funds to unlock real estate wealth while allowing seniors to remain in their homes.
Product overview
Skarlett is a unified financial services ecosystem designed for individuals over 60, offering a suite of products that work together to address retirement financial needs. The platform operates as a comparison and matching service, connecting users with curated offerings across four main categories: health insurance (Mutuelle Senior), real estate monetization (Viager Sécurisé), financing solutions (Prêt Bancaire and Rachat de Crédits), and funeral planning (Prévoyance Obsèques). The company's proprietary algorithms analyze the market in real-time to match users with optimal products based on their specific needs and budget.
Differentiator
Problem solved
Functional benefit
Products and services
- Mutuelle Senior Mutuelle Senior is a comparison and matching service for senior mutual health insurance plans aimed at French individuals over 60, using Skarlett's proprietary algorithms to surface personalized quotes and coverage options tailored to the senior demographic.
- Prêt Bancaire Prêt Bancaire is a bank loan brokerage service enabling French individuals over 60 to borrow money backed by their real estate property, without requiring borrower insurance, income conditions, or medical questionnaires.
- Rachat de Crédits Rachat de Crédits is a credit consolidation brokerage allowing French consumers, primarily those over 60, to combine multiple consumer and/or mortgage loans into a single obligation to reduce monthly payments and simplify their finances.
- Viager Sécurisé Viager Sécurisé is a reverse mortgage and real estate monetization service that allows French property owners over 60 to sell their property while continuing to live in it, unlocking up to 70% of the property's value as either lump-sum capital or monthly income, and operated as a marketplace connecting owners with investment funds.
- Prévoyance Obsèques Prévoyance Obsèques is a funeral insurance brokerage service designed for French seniors over 60, providing coverage for end-of-life expenses through Skarlett's matching platform.
- Épargne & Placements Épargne & Placements offers savings and investment brokerage products curated for French retirees and individuals over 60 through Skarlett's matching platform.
- Retraite Calculator Retraite Calculator is an online retirement planning tool that helps French consumers calculate and understand their projected retirement benefits and planning needs.
Quantifiable outcome
- Seniors can recover up to 70% of their property value through viager arrangements while continuing to live in their homes
- +1 more outcomes
Companies that use Skarlett
Customer profileNamed customers4 records
Segments1 record
Ideal customer profiles1 record
Skarlett technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature1 record
Skarlett partnerships and signals
Strategic signalScale indicators2 records
Recent moves6 records
Expansion highlights6 records
Skarlett competitors and assessment
Company assessmentBroad incumbents
- Luko: French insurtech (now part of a larger group) offering digital home and personal insurance. Comparable as a French digital insurance broker/insurer, though not senior-focused.
- Alan: French digital health insurance carrier with strong consumer brand. Broader incumbent in the French insurance space that competes for senior mutuelle customers with a vertically integrated model.
Direct peers
- MeilleurTaux: Leading French insurance and credit comparison/brokerage platform. Directly comparable to Skarlett's insurance and loan brokerage services for retail consumers, though not senior-specialized.
- Pretto: French digital mortgage broker providing online loan comparison and advisory. Comparable in the credit brokerage arm of Skarlett, especially for retail borrowers seeking mortgage or refinancing solutions.
- Cocoon: French insurance comparison platform with strong senior-focused mutuelle offerings. The most direct competitor to Skarlett's mutuelle senior vertical, using a similar online comparison-and-brokerage model.
- Cerenicimo: Specialist French viager and real estate monetization intermediary. Direct comparable to Skarlett's viager marketplace, connecting investors with property owners in life-annuity transactions.
- Vousfinancer: Established French mortgage and credit broker network. Comparable to Skarlett's prêt bancaire and rachat de crédits brokerage services, with a similar advisor-assisted distribution model.
- LesFurets.com: Major French insurance aggregator comparing mutuelle, prévoyance, and other insurance products. Closely comparable in insurance brokerage model and freemium consumer experience.
- Hyperassur: French insurance comparator focused on personal lines including senior health coverage. Comparable to Skarlett's mutuelle senior comparison and matching offering.
Emerging players
- Testamento: French digital estate planning and end-of-life services platform. Adjacent to Skarlett's prévoyance obsèques and senior financial planning verticals, with overlapping senior demographic focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Skarlett social profiles
Digital presenceSkarlett compliance and trust
Trust signalCompliance2 records
Skarlett financial estimates
Financial estimateRevenue estimate
Valuation estimate
Skarlett leadership team
Management profileNumber of profiles
Profiles1 record
Skarlett funding detail
Funding detailFunding overview
Funding rounds2 records
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Skarlett M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Skarlett
What does Skarlett do?
Skarlett is a French brokerage and marketplace platform dedicated to individuals over 60, offering comparison and matching services for senior mutual health insurance, bank loans, credit consolidation, viager (reverse mortgage), funeral insurance, and savings products. The company acts as a registered insurance broker (ORIAS) and credit broker (ACPR), operating a marketplace that connects senior property owners with investment funds to unlock real estate wealth while allowing seniors to remain in their homes.
Is Skarlett a public or private company?
Skarlett is a private company. It is classified as venture growth investor backed and is currently operating.
When was Skarlett founded?
Skarlett was founded in 2023. It employs 1 to 10 people.
Where is Skarlett based?
Skarlett is headquartered in Paris, France, in the Europe region.
How does Skarlett make money?
Three revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are loan and Financing Brokerage and real Estate Transaction Facilitation.
Who are Skarlett's main competitors?
Broad incumbents on record are Luko and Alan. Direct peers are MeilleurTaux, Pretto, Cocoon, Cerenicimo, Vousfinancer, LesFurets.com and Hyperassur. Testamento is listed as an emerging player.
Does Skarlett have an API?
No public API is recorded for Skarlett.
What industry is Skarlett in?
Skarlett's product category is Senior Financial Services Brokerage. Its primary akta.pro industry code is BPAJAAAH, Senior Living & 55+ Community Brokerage, with a secondary code of BPAJAAAA, Traditional Residential Brokerage (Existing Homes). Its NAICS code is 52421 and its SIC code is 6411.