AG2R La Mondiale

What AG2R La Mondiale does

AG2R LA MONDIALE is a French mutual insurance and social protection group structured through GIE (Groupement d'intérêt économique) entities, offering complementary health insurance (mutuelle), provident coverage (death, disability, accident), savings and life insurance, and supplementary retirement products, alongside asset management and senior residential services. The group serves a horizontally segmented customer base including individuals, self-employed professionals (TNS), enterprises of all sizes, expert accountants, insurance brokers, and professional branch collective schemes, and is a regulated manager of the AGIRC-ARRCO complementary pension regime.

The group distributes through a hybrid model: more than 50 physical agencies across France, telephone advisory lines for each customer segment, a digital self-service portal (Mon espace client), the Côté santé mobile app, and a broker/advisor ecosystem (Club Expertises et Solutions with tools such as Diode for collective-agreement compliance and Cotizen for online pension contributions). Sub-brands include VIASANTÉ (health), AG2R ARPEGE Prévoyance (professional insurance), AG2R LA MONDIALE Gestion d'Actifs (asset management), and Domitys (senior residences with services, acquired in 2021 for a 67% stake valued at €375 million, with a stated target of 300+ residences by 2030). Revenue mechanics are predominantly subscription/recurring premiums across insurance lines, supplemented by asset-management fees and senior-residence rental income.

The business model rests on regulated institutional mandates (AGIRC-ARRCO, professional branch agreements), a deeply embedded physical-and-digital distribution network, and an active social-action program (foundations, caregiver support, adapted physical activity with Siel Bleu, firefighter first-aid platform) that functions as both a brand differentiator and customer-acquisition lever. Recent strategic capital activity includes the Elaia Digital Venture Fund V commitment (€120M first close, 2026) and active public-equity deployment through Gestion d'Actifs, while the 2025 exit from professional cycling team sponsorship signals portfolio rationalization around core insurance and senior-care operations.

Name

AG2R La Mondiale

Legal name

AG2R LA MONDIALE

Website

https://ag2rlamondiale.fr

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

AG2R LA MONDIALE is a French mutual insurance group offering complementary health, provident, savings, and retirement products, plus asset management and senior residences (Domitys), serving individuals, self-employed professionals, enterprises, and professional branches across France.

Ownership category

akta.pro rank

Product category

Insurance and Social Protection

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Continuing Care Retirement Communities (623311), Health and Welfare Funds (525120)

SIC

Life Insurance (6311), Hospital & Medical Service Plans (6324), Services-Nursing & Personal Care Facilities (8050)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Health insurance
• Supplementary pension
• Life insurance savings
• Employee benefits
• Senior living services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices56 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance (Mutuelle Santé): Health insurance products providing supplementary coverage for individuals, professionals, and enterprises. Includes mutual health insurance, senior health insurance, hospitalization coverage, and super-supplementary health insurance.
2. Provident/Pension Insurance (Prévoyance): Death, disability, and accident insurance products including coverage for loss of autonomy, funeral expenses, and protection against life accidents.
3. Savings Products (Épargne): Life insurance (Assurance Vie), retirement savings plans (PERI/PERIN), capitalization contracts, and financial investments for individuals and patrimonies.
4. Retirement Products (Retraite): Supplementary retirement for employees and employers, including PERO, Article 83, IFC funds, and complementary retirement management.
5. Senior Residential Services (Domitys): Senior living residences with services, operated through majority-owned subsidiary Ægide-Domitys with plans to expand network to over 300 residences.
6. Asset Management (Gestion d'Actifs): Investment management services through AG2R LA MONDIALE Gestion d'Actifs, including institutional investments and venture capital commitments.
7. Business Insurance: Auto insurance, home insurance, professional liability insurance for businesses and self-employed professionals.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

AG2R La Mondiale is a French mutual insurance group providing complementary health insurance (mutuelle santé), provident/pension insurance (death, disability, accidents), savings products (life insurance, capitalization contracts), supplementary retirement solutions (PERI/PERIN, PEE/PERCO/PERO, AGIRC-ARRCO administration), and asset management services for individuals, self-employed professionals, enterprises, and professional branches. Through its majority-owned Domitys subsidiary, the group also operates senior living residences across France.

Product overview

AG2R LA MONDIALE operates as a diversified French insurance and social protection group offering a broad portfolio of products and services across five core pillars: (1) Santé & Prévoyance (health and death/disability insurance) including individual and collective mutuelles, personal accident, key-person insurance, and funeral coverage; (2) Épargne & Retraite (savings and retirement) encompassing life insurance, PERI/PERIN individual retirement plans, capitalization contracts, and employee savings plans (PEE, PERCOL, PERECO, PERO); (3) Retraite complémentaire (AGIRC-ARRCO supplementary pension administration); (4) Résidence services seniors Domitys (senior living residences acquired in 2021 with 67% stake); and (5) Gestion d'actifs (asset management). The group also operates specialized sub-brands including VIASANTÉ (health), AG2R ARPEGE (professional insurance), and AG2R ARPEGE Prévoyance, along with digital service platforms: the Côté santé mobile app for health reimbursement tracking, secure online customer and enterprise portals, Cotizen for online pension contribution payments, and the Club Expertises et Solutions platform providing advisory tools (Diode, Digit'APS) for accountants, brokers, and business consultants.

Differentiator

Problem solved

Functional benefit

Brands

• Domitys: Residences with services for seniors - operator of senior living residences across France
• VIASANTÉ
• AG2R LA MONDIALE Gestion d'Actifs

Products and services

• Mutuelle santé Supplementary health insurance reimbursing medical expenses not covered by the French national health insurance (Sécurité sociale), including doctor visits, hospital stays, dental care, optical care, and hearing aids. Offered to individuals, families, seniors, self-employed professionals, and enterprises.
• Mutuelle senior Specialized health insurance tailored for seniors (typically 55+), covering hearing aids, specialist consultations, and other age-related healthcare needs not fully reimbursed by the national system.
• Assurance prévoyance Personal insurance covering death, disability, and inability to work, providing financial protection for individuals and their families against life's uncertainties.
• Prévoyance collective Employer-provided group insurance (death, disability, illness/injury income replacement) mandated by French collective agreements and/or voluntarily offered by companies.
• Assurance vie Life insurance savings product enabling policyholders to accumulate capital over time with tax advantages, offering death-benefit transmission of wealth and flexible partial or full withdrawal options.
• PERI / PERIN Individual Retirement Plan Individual retirement savings plan (Plan d'Épargne Retraite Individuel) that allows savers to build retirement savings with tax-deductible contributions and flexible income options at retirement.
• Épargne salariale (PEE / PERCO / PERO) Corporate employee savings products: PEE (Company Savings Plan), PERCOL/PERECO (Collective Retirement Savings Plan), and PERO (Mandatory Retirement Savings Plan) enabling employees to save a portion of profit-sharing bonuses and other earnings with tax advantages.
• Retraite supplémentaire AGIRC-ARRCO Supplementary pension administration for the French mandatory AGIRC-ARRCO complementary retirement regime, managing accumulated retirement points and processing pension payments for employees and retirees.
• AG2R La Mondiale Gestion d'Actifs Asset management arm of the group managing investments for the insurance entity and institutional clients, including equity, bond, and alternative asset portfolios.
• Résidences services seniors Domitys Senior living residences offering rental apartments with on-site services (meals, housekeeping, activities, care coordination) for autonomous and semi-autonomous older adults, operated under the Domitys brand.
• Assurance obsèques Funeral expense insurance that covers or contributes to the cost of funeral arrangements, easing the financial burden on surviving family members.
• Assurance autonomie Loss-of-autonomy insurance covering expenses related to dependency care, including home adaptations, professional caregivers, and specialized facilities.
• Assurance homme clé Key-person insurance protecting businesses against the financial consequences of the death or disability of a key employee, founder, or partner.
• Mutuelle entreprise / Mutuelle collective Group health insurance plans offered by employers to their employees, compliant with French mandatory health coverage (Complémentaire santé obligatoire) requirements.
• Contrat de capitalisation Capitalization contract similar to life insurance, offering savings accumulation with favorable taxation outside the retirement context, useful for wealth-building and transmission.
• Assurance auto Vehicle insurance covering damage to the insured car, third-party liability, and optional protections such as theft, fire, and glass breakage.
• Assurance habitation Home insurance covering property damage, liability, and belongings for homeowners and renters, including coverage for the main residence and secondary properties.
• Rente viagère Annuity product providing a lifetime regular income stream in exchange for a lump-sum capital contribution, commonly used as a retirement income solution.

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• NexitycoreStrategic or Co-development Partner · 1 July 2021Nexity and AG2R LA MONDIALE completed the sale of control of Ægide-Domitys, with AG2R LA MONDIALE becoming the majority shareholder. The long-term partnership aims to expand the network of senior residences, with plans to double the size of Ægide-Domitys by 2025.
• Ægide-DomityscoreStrategic or Co-development Partner · 29 June 2021AG2R LA MONDIALE acquired 67% stake in Ægide-Domitys, the leader in senior residential services in France, for €375 million. The partnership includes long-term collaboration with Nexity and Ægide-Domitys founders to support development and growth in the senior housing sector, with plans to expand the network to over 300 residences by 2030.
• Agirc-ArrcocoreStrategic or Co-development PartnerAG2R LA MONDIALE manages Agirc-Arrco complementary retirement schemes and collaborates on social action programs including senior care, caregiver support, and preventive health initiatives.
• Siel Bleu and SaparmanminorStrategic or Co-development PartnerPartners for adapted physical activity programs for seniors, providing individualized and safe home-based exercise programs funded by AG2R Agirc-Arrco.
• ELEASminorStrategic or Co-development PartnerPartner for grief support and psychological assistance services for families dealing with loss of a loved one, providing emotional and administrative support.
• Fédération Nationale des Sapeurs-Pompiers de FranceminorStrategic or Co-development PartnerPartnership for 'Prévenir et Secourir' educational platform promoting life-saving gestures and emergency response knowledge to the general public.
• H'up EntrepreneursminorStrategic or Co-development PartnerAssociation partner supporting entrepreneurs with disabilities, providing accompaniment services through team of employees and over 400 volunteers.
• Smile à la vieminorStrategic or Co-development PartnerPartner supporting children with cancer and their families, helping preserve childhood during illness and supporting families through difficult times.
• Réseau CohabilisminorStrategic or Co-development PartnerNetwork partner implementing intergenerational solidarity housing solutions, connecting young people (18-30) seeking housing with seniors (60+) having spare rooms.

Scale indicators5 records

Recent moves6 records

Expansion highlights3 records

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• Xx.com/ag2rlamondialec
• YouTubeyoutube.com/user/AG2RLAMONDIALE
• Facebookfacebook.com/ensemblevivonsvelo
• LinkedInlinkedin.com/company/ag2r-la-mondiale
• Instagraminstagram.com/ag2rlamondiale

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments27 records

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

Frequently asked questions about AG2R La Mondiale