Testamento

What Testamento does

Testamento (legal entity: Contrat Facile SAS) is a Paris-based French insurtech founded in 2013 that provides B2B SaaS solutions to banks, insurers, mutual societies, and wealth management advisors for the digitization of personal insurance distribution and compliance workflows. Its core product, Testamento Beneficiary, digitizes the management of beneficiary clauses in life insurance and group pension contracts, addressing French regulatory requirements including the Eckert Law and ACPR obligations. The company has expanded its product suite to include Testamento Optimizer (a 20-minute sales diagnosis tool for life and health insurance advisors), Testamento Pilot (a turnkey SaaS launched in 2024 for brokers, general agents, and CGPs with published pricing of €94.8/month/user), and Testamento Detect (a lead generation module). In October 2025, Testamento launched Deep Vision, the first AI-powered beneficiary clause analysis solution in the French market, developed in partnership with Deloitte and applying NLP-based document understanding and anomaly detection to identify outdated or erroneous clauses at scale. The platform is ISO 27001:2022 certified (March 2026) and GDPR-compliant with EU data hosting, supports API and Zapier integrations with major CRMs, and is offered both as direct enterprise SaaS and as a self-serve mid-market offering. Testimento's go-to-market combines direct enterprise sales to flagship financial institutions (La Banque Postale, MACIF, Allianz France, MetLife, Generali, AXA, CERAP/Kereis) with channel partnerships, and the company is reported to have raised approximately €3.3M in total funding, remain founder-controlled under co-founders Virgile Delporte (CEO) and Sylvain Delporte (CTO), and operate with 11-50 employees headquartered at 91 rue du Faubourg Saint-Honoré, Paris.

Name

Testamento

Legal name

Contrat Facile SAS

Website

https://testamento.io

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Testamento is a Paris-based B2B SaaS provider founded in 2013 that helps French banks, insurers, and wealth advisors digitize beneficiary clause management, sales compliance, and lead generation, with an AI-powered clause analysis product (Deep Vision) launched in 2025.

Ownership category

akta.pro rank

Product category

Insurtech SaaS / Insurance Distribution Software

NAICS

Software Publishers (513210), Software Publishers (5132), Trust, Fiduciary, and Custody Activities (523991)

SIC

Life Insurance (6311), Finance Services (6199)

akta.pro primary industry

Digital/Hybrid Private Wealth (Robo-Enabled HNW Service) (FSAAABAO)

akta.pro secondary industries

Robo-Advisors & Digital Wealth Managers (FSAAAAAD), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK), Private Banking Business Owners & Entrepreneur Solutions (Liquidity Events, Pre-IPO) (FSABADAK)

Keywords

• Insurtech SaaS platform
• Beneficiary clause management
• Life insurance distribution
• Wealth management software
• Estate planning solutions

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription - Enterprise: B2B SaaS subscriptions for banks, insurers, and mutual societies. Modular platform with APIs ensuring flexibility and performance. Pricing based on deployment scope and user count.
2. SaaS Subscription - Pilot: B2B SaaS subscriptions for brokers, general agents, and wealth management advisors. Two tiers: Core at €94.8/month/user and Plus with additional modules. 12-month commitment with volume discounts.
3. Detect Pro: Lead generation tool available as an add-on module for the Pilot platform at €36 TTC/month.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Testamento provides a modular B2B SaaS platform that digitizes personal insurance and wealth management distribution for banks, insurers, mutual societies, brokers, and wealth management advisors. The platform covers the full customer journey through four main products: Testamento Beneficiary (digital management of life insurance beneficiary clauses and compliance), Testamento Optimizer (sales support for advisor networks), Testamento Pilot (turnkey client discovery and patrimonial analysis for advisors), and Deep Vision (AI-powered beneficiary clause analysis). The company sells through enterprise field sales, channel partners, and self-serve onboarding, with revenue from recurring SaaS subscriptions.

Differentiator

Problem solved

Functional benefit

Brands

• Testamento Pilot: A turnkey SaaS solution dedicated to insurance brokers, general agents, and wealth management advisors that optimizes client discovery, compliance, and boosts commercial performance. Available since 2024.
• Testamento Beneficiary
• Testamento Optimizer
• Deep Vision

Products and services

• Testamento Beneficiary SaaS solution for banks, insurers, and mutual societies that digitizes management of beneficiary clauses in life insurance and group pension contracts. Enables online beneficiary designation, compliance with disinheritance regulations (Eckert Law), and real-time clause management for individual and group insurance.
• Testamento Optimizer B2B sales support tool for distribution networks that enables advisors to deliver a personalized and costed diagnosis of customer needs in approximately 20 minutes, facilitating multi-proposal sales in life and health insurance through a structured client discovery approach.
• Testamento Pilot Turnkey SaaS solution for insurance brokers, general agents, and wealth management advisors (CGPI/CGP). Offers client discovery through a comprehensive questionnaire, generates detailed heritage analysis reports, provides sales assistance with risk and solution cards, manages beneficiary clauses, and supports regulatory compliance with DER and mission letter templates with electronic signature. Available in Core (€94.8/month/user) and Plus tiers.
• Testamento Detect Lead acquisition and qualification tool that integrates on insurer websites to attract and convert qualified leads. Detect Pro is available as an add-on module at €36/month.
• Deep Vision AI-powered beneficiary clause analysis solution that examines existing clauses at scale to identify outdated or erroneous provisions, addressing the challenge that 73% of French people over 50 have never updated their beneficiary clauses. First large-scale AI-powered beneficiary clause analysis solution on the market, partnered with Deloitte.

Quantifiable outcome

• 70%+ of policyholders choose custom beneficiary clauses when given digital option
• +4 more outcomes

Named customers11 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability5 records

Feature6 records

Partnerships

Ten partnerships are on record, tiered core, flagship and minor.

• CERAP (Kereis Group)coreStrategic or Co-development Partner · 12 March 2026Rollout of first unified beneficiary clause for temporary workers. Kereis Group has 1,700 employees across 7 European countries. Major innovation for the temporary employment sector.
• DeloitteflagshipStrategic or Co-development Partner · 8 October 2025Partnership for Deep Vision AI solution. Deloitte collaboration aims to accelerate market adoption of AI-powered beneficiary clause analysis. Co-organizes breakfast briefings on duty of advice and beneficiary clauses.
• LourmelcoreStrategic or Co-development Partner · 30 March 2025Insurance group integrating Testimento's Beneficiary solution for tailored digital management of beneficiary clauses. Offers unprecedented flexibility for policyholders while optimizing processes.
• Allianz FranceflagshipStrategic or Co-development Partner · 10 February 2025Deployment of Beneficiary tool to over 1,800 General Agents and 1,500 advisors from Allianz Expertise et Conseil. Digitalizing the beneficiary clause management for policyholders.
• Groupe UNMIcoreStrategic or Co-development Partner · 22 September 2024Partnership for intelligent management of beneficiary clauses. Makes beneficiary designation accessible to all clients, tailored to each situation, for all insurance contracts (individual or collective).
• GestionDePatrimoine.comcoreChannel Partner/ Reseller/ Distributor · 20 June 2023Educational content platform (created 2008) and its wealth management consulting firm Bonjour Patrimoine adopting Testimento solutions to facilitate client discovery from first contact.
• La Banque PostaleflagshipStrategic or Co-development Partner · 7 February 2023Official partnership launch with La Banque Postale for succession planning and beneficiary clause management services. CEO Virgile Delporte and CTO Sylvain Delporte participated in launch interview.
• ParticeepcoreTechnology or Integration · 18 August 2020Technology partnership for revolutionizing life insurance subscription process. Particeep's Plug solution integrates Testimento's beneficiary designation module into online insurance subscription workflows. Both companies founded in 2013, targeting banks, mutuals, and insurers with 100% digital sales solutions.
• AurexiaminorImplementation/ SI/ Consulting Partner · 1 January 2020Consulting firm partnership for implementing Testimento solutions. Co-hosted webinar on multi-proposal approach with Hardis Group.
• MACIFflagshipStrategic or Co-development Partner · 1 January 2018Partnership launched in 2018 as part of the French Assurtech initiative. Collaboration on digitizing beneficiary clauses. Threefold increase in lead acquisition reported. Partnership reviewed at INNN 2024 conference.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Akur8: Paris-based AI insurtech SaaS providing pricing and underwriting models to insurers. Comparable because both are French B2B SaaS applying AI to insurance workflows for enterprise insurers, sharing the same buyer profile, GTM motion, and product category.
• Shift Technology: Paris-headquartered AI platform for insurance fraud detection and claims automation used by global insurers. Comparable as a French insurtech applying AI to regulated insurance workflows sold to large enterprise insurance carriers.
• Earnix: Israel-headquartered AI/analytics SaaS for insurance pricing and personalization. Comparable as a specialized B2B insurance SaaS serving carrier distribution networks with AI-driven decisioning tools.
• Tractable: AI-for-insurance company applying computer vision and document AI to claims and underwriting. Comparable as an AI-first insurtech selling AI document/visual analysis tools to global insurance carriers.
• OneSpan: Digital agreement, e-signature, and security platform serving global banks and insurers. Comparable because Testimonio's workflows rely on e-signed beneficiary clauses and compliance-grade security — the same core capability OneSpan supplies.

Broad incumbents

• Guidewire Software: US-headquartered enterprise core-system platform for property-and-casualty and life insurers. Comparable as the broader incumbent whose policy-administration suite can subsume narrower workflow tools like Testimonio's beneficiary module.
• Duck Creek Technologies: US-headquartered SaaS suite of insurance core, distribution, and engagement solutions. Comparable as a broad incumbent offering adjacent distribution and underwriting modules that insurers may consolidate onto instead of specialized point solutions.
• iPipeline: US-headquartered insurance distribution and policy-fulfillment SaaS used by life insurers and advisors. Comparable as an incumbent serving the same insurance-distribution workflow that Testimonio's Pilot and Optimizer address at a more specialized French-market level.

Emerging players

• Pennylane: Paris-based B2B SaaS providing finance and accounting tools to accountants and advisors in France. Comparable as a fellow French vertical SaaS selling subscription financial workflow tools to financial professionals, sharing buyer profile and capital-efficient scaling narrative.
• Linxo: French personal-finance-management and account-aggregation provider serving banks and corporates. Comparable as a French fintech whose products are embedded into bank/insurer digital experiences, with overlap in financial-data-driven advisor tooling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/testamentoFR
• LinkedInlinkedin.com/company/testamento
• Facebookfacebook.com/testamento.fr

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds5 records

Investors5 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Testamento