Credit Agricole Assurances

What Credit Agricole Assurances does

Crédit Agricole Assurances is the insurance arm of the Crédit Agricole Group, operating as a wholly-owned subsidiary of publicly listed Crédit Agricole S.A. (Euronext Paris: ACA). The company is headquartered in Paris and reported FY2025 revenue of €52.4 billion, employing more than 7,100 people across 9 countries. Itself not independently listed, it functions as France's largest insurer and self-reported leading bancassurer in Europe.

The group's product portfolio is organized around three business lines: Savings and Pensions (life insurance, retirement, and wealth management, the majority of premium income, distributed through Predica, Spirica, and UAF Life Patrimoine); Personal Risk, Creditor Protection, and Collective Insurance (death/disability, loan insurance, and group health, operated by Caci); and Property and Casualty (auto, home, professional, agricultural, and legal protection, run through Pacifica). A new digital life insurance offering called Oriance launched in February 2026 to address a younger, digitally native customer segment.

Distribution runs almost exclusively through the Crédit Agricole regional bank network (39 regional banks, thousands of branches) and LCL branches, supplemented by international subsidiaries in Ireland, Japan, Poland, Spain, and other European markets. Revenue mechanics are subscription/recurring premium-based across all product lines, with €12 billion in net inflows recorded during the first nine months of 2025. The company holds a 39.82% equity stake in Ramsay Santé via Predica and has recently expanded into parametric agricultural insurance for African smallholders through partnerships with AFD, ZEP-RE, ACRE Africa, and Fondation Grameen Crédit Agricole. Capital management has been active, with two €750 million perpetual Tier 1 issuances in March 2025 and June 2026 and the establishment of an EMTN programme approved by the AMF in June 2026.

Name

Credit Agricole Assurances

Legal name

Crédit Agricole Assurances

Website

https://ca-assurances.com

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Crédit Agricole Assurances is the insurance arm of Crédit Agricole Group, operating as a wholly-owned subsidiary of Crédit Agricole S.A. It is France's largest insurer and Europe's leading bancassurer, distributing life insurance, savings, retirement, creditor protection, and P&C products through the Crédit Agricole regional bank network across 9 countries.

Ownership category

akta.pro rank

Product category

Multi-line Insurance (Bancassurance)

NAICS

Finance and Insurance (52)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

akta.pro secondary industries

Insurance General Accounts (Institutional Asset Owners) (FSAAAGAG), Facultative Reinsurance Brokerage (FSAOAHAB)

Keywords

• Life insurance products
• Savings and retirement
• Property casualty insurance
• Creditor protection insurance
• Bancassurance services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums - Savings and Retirement: Life insurance and savings products generating the majority of premium income, with strong growth in unit-linked products
2. Property-Casualty Insurance: Property and casualty insurance through Pacifica and international subsidiaries
3. Personal Risk and Creditor Protection: Personal risk insurance, death/disability coverage, loan insurance, and collective insurance products

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Credit Agricole Assurances is France's largest insurer and Europe's leading bancassurer, providing life insurance, savings and retirement products, personal risk and creditor protection insurance, and property-casualty coverage through subsidiaries including Predica, Pacifica, Spirica, Caci, and UAF Life Patrimoine. The group distributes its products through the extensive Crédit Agricole regional banking network, LCL branches, and direct digital platforms, serving retail customers, professionals, and enterprises across nine countries.

Product overview

Crédit Agricole Assurances operates as France's largest insurer and Europe's leading bancassurer, offering a multi-brand portfolio of insurance products through its subsidiaries. The company is organized around three core business lines: Savings & Pensions (épargne/retraite), Personal Risk/Creditor Protection & Collective Insurance (prévoyance/emprunteur/collectives), and Property & Casualty (dommages). Key brands include Predica (life insurance and prévoyance), Pacifica (property-casualty), Spirica (innovative life insurance), UAF Life Patrimoine (wealth management distribution), and Crédit Agricole Assurances Retraite (pension solutions). The most recent product launch is Oriance (February 2026), a digital life insurance offering. The company distributes through Crédit Agricole and LCL banking networks across 9 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Oriance: Modern digital life insurance offering launched in 2026
• Predica
• Pacifica
• Spirica
• UAF Life Patrimoine

Products and services

• Predica Life Insurance Major life insurance and personal risk (prévoyance) product line offering life insurance, pensions, and personal risk protection products to individuals, professionals, and farmers in France through the Crédit Agricole banking network.
• Pacifica Property and Casualty Insurance Property and casualty insurance product line offering automobile, home, and professional insurance, including coverage for personal belongings, agricultural assets, electronic devices, legal protection, and payment protection for retail and business customers.
• Crédit Agricole Assurances Retraite

Quantifiable outcome

• 20% increase in total premium income in first nine months of 2025
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

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

• Mutuelle des Architectes français AssurancesminorOthers · 17 June 2026Sale of office building at 62 boulevard Pereire, Paris 17th arrondissement, comprising 1,550 m² across eight floors. Transaction facilitated by Enoma Partners.
• Finance for Biodiversity FoundationflagshipStrategic or Co-development Partner · 28 May 2026Membership in the FfB and signing of the Finance for Biodiversity Pledge, committing to integrate biodiversity issues into investment strategy and risk management. Joins 200+ financial institutions in five key areas: collaboration, engagement, assessment, target-setting, and reporting.
• Fondation Grameen Crédit AgricolecoreStrategic or Co-development Partner · 19 May 2026Strategic partnership to strengthen African agricultural resilience. The Foundation operates in 40 countries supporting 70+ partners in financial inclusion, rural entrepreneurship, and women's empowerment. Ambitious goal to reach 10 million farmers by 2030.
• AFD (Agence française de développement)coreStrategic or Co-development Partner · 12 May 2026Strategic partnership to improve access to financial services and parametric insurance for small farmers in Africa. Supported by French Ministry of Europe and Foreign Affairs, targeting agricultural resilience against climate shocks through digital solutions and risk modeling.
• ZEP-REcoreStrategic or Co-development Partner · 12 May 2026Partnership to enhance agricultural insurance access for smallholders in Africa, focusing on risk management and credit access through innovative digital tools.
• ACRE AfricacoreStrategic or Co-development Partner · 12 May 2026Collaboration to develop agricultural insurance products and solutions for small farmers across Africa, leveraging parametric insurance and climate risk modeling.
• UN PRI (Principles for Responsible Investment)flagshipStrategic or Co-development PartnerSignatory to UN PRI, aligned with UNEP FI and UN Global Compact, committing to integrate ESG criteria into investment decisions.
• UN PSI (Principles for Sustainable Insurance)flagshipStrategic or Co-development PartnerSignatory to UN PSI, implementing responsible insurance practices through product design, risk assessment, and stakeholder engagement.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• CNP Assurances: France's second-largest life insurer and bancassurer, historically the exclusive mortgage insurance partner of Crédit Agricole regional banks until 2018. Comparable business model with life insurance, savings, and creditor protection products distributed through La Banque Postale, BPCE, and other banking partners.
• BNP Paribas Cardif: Insurance arm of BNP Paribas, operating a bancassurance model across life, P&C, and creditor protection. Direct competitor in French bancassurance with similar product mix and distribution through BNP Paribas retail banking network.
• Société Générale Insurance: Insurance subsidiary of Société Générale group offering life, P&C, and creditor insurance distributed through Société Générale and Boursorama retail networks in France and internationally. Closely comparable bancassurance peer.
• Covéa: French mutual insurance group combining MAAF, MMA, and GMF, with strong P&C and savings franchises. Comparable European insurer with significant French retail presence and bancassurance partnerships through Société Générale.
• Natixis Assurances (BPCE): Insurance arm of Groupe BPCE, distributing life, P&C, and creditor protection through Banque Populaire and Caisse d'Épargne networks. Direct bancassurance competitor with similar product mix and retail distribution model.

Broad incumbents

• AXA: Global French-headquartered insurer offering life, P&C, health, and asset management products. Broader incumbent with extensive multi-channel distribution including bancassurance partnerships, serving as a benchmark for European insurance scale.
• Allianz: Global insurance and asset management giant with substantial life and P&C operations across Europe. Comparable in scale and product breadth but operates through multiple distribution channels beyond pure bancassurance.
• Generali France: French subsidiary of Italian insurer Generali, offering life, P&C, and health products across retail, professional, and corporate segments. Comparable European insurance player with similar product breadth to CAA.
• Swiss Life: European life insurance specialist with strong positions in France, Germany, and Switzerland. Comparable life insurance focus with bancassurance and proprietary financial advisor distribution channels.

Regional players

• SCOR: French global reinsurer headquartered in Paris with life and P&C reinsurance capabilities. Related through CAA's own Caci Life LTD and Reinsurance LTD subsidiaries, but operates on the reinsurer side of the value chain rather than as a primary insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ca_assurances
• YouTubeyoutube.com/channel/UC8eFRHdiIF3t3gTDKFPUWqQ
• LinkedInlinkedin.com/company/credit-agricole-assurances
• Instagraminstagram.com/ca_assurances
• TikToktiktok.com/@ca_assurances

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries9 records

Funding overview

Funding rounds2 records

Investors

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

M&A3 records

Investments6 records

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

Frequently asked questions about Credit Agricole Assurances