What LinXea does

LinXea is a French online savings and life insurance brokerage founded in 2001 and headquartered at 49 Avenue d'Iéna, Paris. Operating as an independent, AMF-registered CIF and ACPR-controlled insurance intermediary (ORIAS 07031073), the company distributes multi-support assurance-vie contracts (Linxea Spirit 2 with Spirica, Linxea Avenir 2 with Suravenir, Linxea Vie, and Linxea Zen) and three PER retirement savings plans (Linxea Spirit PER, Suravenir PER, Linxea PER) sourced from four insurance partners (Suravenir, Spirica, Generali, Apicil). The product surface extends to SCPI real estate, capitalization contracts, structured products, private equity, and more recently assurance-vie luxembourgeoise and assurance-vie enfant wrappers. Technology layer includes a 100% digital self-subscription client portal with electronic signature, Morningstar X-RAY portfolio analytics, multiple online simulators (savings, PER tax, retirement, SCPI), and the 24/7 Linx'IA generative AI chatbot integrated with WhatsApp and Intercom.

The business model is commission-based: LinXea earns retrocessions on management fees collected by its insurer partners, supplemented by tiered transaction fees on ETF holdings (0%-0.15% depending on contract) and optional 150 euro PER sign-on bonuses funded out of marketing budget. Pricing is the primary differentiator: 0% entry, subscription, and online arbitrage fees across contracts, with management fees of 0.5%-0.6% on units of account. Distribution is fully digital and direct-to-consumer, combining product-led self-service with CIF-certified phone/chat advisors and a referral program paying 50 euro gift cards. Customer segments are primarily French individual retail investors across life insurance, PER, SCPI, and SME treasury use cases, served across roughly 51-150 employees; scale signals include 200,000+ active customers, €6 billion in assets under management, 210+ SFDR Article 8/9 labeled supports in the flagship contract, and a 4.6/5 Trustpilot rating.

In 2023, LinXea received its first disclosed institutional capital from IK Partners alongside formalized leadership (Directeur Général Yves CONAN), funding the recent extension into Luxembourg wrappers, B2B treasury optimization, and the AI-themed ODDO BHF fund distribution completed in May 2026. A wholly-owned subsidiary, Linxea Immo, provides real estate and mortgage intermediation. LinXea has received industry recognition almost annually since 2012 (Trophées d'Or from Le Revenu, Oscars from Gestion de Fortune, Label d'Excellence from Les Dossiers de l'Épargne) and positioned itself in marketing as France's leader in online savings for individuals.

Name

LinXea

Legal name

LINXEA

Website

https://linxea.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

LinXea is a French online savings brokerage founded in 2001 that distributes multi-support life insurance, PER, and SCPI products from four insurer partners to over 200,000 individual retail investors, generating commission and ETF transaction fee revenue on approximately €6 billion in assets under management.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

akta.pro secondary industries

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE), Digital/Hybrid RIAs (Robo-Enabled, Tech-Forward) (FSAAACAJ)

Keywords

• Online life insurance
• Retirement savings plans
• Insurance brokerage services
• Pension savings plans
• Savings product distribution

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Distribution Commissions: Linxea acts as an insurance broker earning commissions from insurance partners (Suravenir, Spirica, Generali, Apicil) based on management fees collected on client contracts. When CIF investment advice is followed by intermediation on financial products, Linxea may receive up to 50% of management fees for bond, money market, or equity UCITS funds.
2. ETF/Tracker Transaction Fees: Transaction fees on ETF/tracker investments: 0.1% for Linxea Avenir/Avenir 2 & Suravenir PER, 0.1% for Linxea Spirit 2 & Spirit PER, 0.15% for Linxea ZEN & Linxea PER, and no fees for Linxea Vie.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

LinXea is an independent online insurance brokerage that distributes multi-support life insurance contracts, individual retirement savings plans (PER), SCPI real estate investments, capitalization contracts, and structured products from partner insurers (Suravenir, Spirica, Generali, Apicil) to French retail investors through a 100% digital subscription platform. Customers can manage contracts independently via the client portal or with CIF-certified phone advisors, with both self-directed (gestion libre) and discretionary (gestion pilotée) management options including multi-pocket configurations.

Product overview

LinXea is a digital savings platform offering a comprehensive suite of online savings and retirement planning products for French retail investors. The core offering centers on multi-support life insurance contracts (assurance-vie) including Linxea Spirit 2, Linxea Avenir 2, Linxea Vie, and Linxea Zen, each partnered with different insurers (Spirica, Suravenir, Generali, Apicil). The retirement portfolio includes three PER products: Linxea Spirit PER, Suravenir PER, and Linxea PER, enabling tax-advantaged retirement savings. The platform extends to direct investment products including SCPI (real estate), capitalization contracts, structured products, and private equity accessible within insurance wrappers. A distinguishing feature is the AI-powered Linx'IA chatbot for 24/7 customer support and the unified client portal (Espace Client) for managing all contracts. The company emphasizes low fees (0% entry/management on many products), ESG integration with over 200 labeled supports, and both self-directed (gestion libre) and managed (gestion pilotée) investment options.

Differentiator

Problem solved

Functional benefit

Products and services

• Linxea Spirit 2 Multi-support life insurance contract (assurance-vie) offered with Spirica featuring 0% entry fees, 0% management fees on euro funds, and access to over 230 ESG-labeled investment supports including funds, SCPI, ETF, and structured products. Target audience is French retail investors seeking low-cost, multi-support life insurance.
• Linxea Avenir 2 Multi-support life insurance contract (assurance-vie) offered with Suravenir featuring 0% entry fees and access to over 210 ESG-labeled supports including euro funds, SCPI, ETF, and structured products. Targeted at French retail investors building medium-to-long-term savings.
• Linxea Vie Life insurance contract (assurance-vie) with access to 70 ESG-labeled supports, including euro funds, SCPI, and multi-management funds, known for low fees with 0% ETF transaction costs. Distributed for French retail investors.
• Linxea Zen Life insurance contract (assurance-vie) with access to 90 ESG-labeled supports, focused on euro funds and diversified investments, aimed at conservative French retail investors.
• Linxea Spirit PER Individual retirement savings plan (Plan d'Épargne Retraite / PER) distributed with Spirica featuring €150 welcome bonus, 0% entry fees, 0.1% ETF transaction fees, and access to diverse investment supports including ETF, SCPI, and structured products for retirement preparation.
• Suravenir PER Individual retirement savings plan (PER) offered with Suravenir (Crédit Mutuel Arkéa subsidiary) featuring 0% entry fees and access to ESG-labeled investment supports for tax-advantaged retirement savings.
• Linxea PER Individual retirement savings plan (PER) with 0.15% ETF transaction fees, offering diversified investment options for retirement preparation of French retail investors.
• SCPI Investments Real estate investment funds (Sociétés Civiles de Placement Immobilier) available for direct subscription or within assurance-vie/PER contracts. Includes yield SCPI, tax-optimized SCPI, forest and wine group investments, SCPI purchased on credit, and SCPI in bare ownership (nue-propriété).
• Capitalization Contracts Capitalization contracts including Linxea Avenir Capitalisation 2, Linxea Spirit Capitalisation 2, and Linxea Capitalisation, providing wealth accumulation vehicles with tax advantages for French investors and corporate treasury.
• Structured Products Capital-protected and market-linked structured products offered periodically on the platform, including the Impulsion and Exigence series, accessible to French retail investors within insurance wrappers.
• Private Equity Private equity investment options available within certain life insurance and PER contracts for qualified investors seeking alternative investments within their insurance wrappers.

Quantifiable outcome

• 200,000+ satisfied customers
• +5 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• SuravenircoreChannel Partner/ Reseller/ DistributorSuravenir (subsidiary of Crédit Mutuel Arkéa) is a key insurance partner providing life insurance and PER contracts. Products include Linxea Avenir/Avenir 2, Linxea PER, Suravenir PER. Linxea distributes Suravenir products and earns commissions from management fees.
• SpiricacoreChannel Partner/ Reseller/ DistributorSpirica (subsidiary of Crédit Agricole Assurances) provides life insurance products including Linxea Spirit/Spirit 2. Linxea distributes Spirica products and earns commissions from management fees.
• GeneralicoreChannel Partner/ Reseller/ DistributorGenerali is a major insurance partner providing life insurance products through Linxea. Linxea distributes Generali products and earns commissions from management fees.
• ApicilcoreChannel Partner/ Reseller/ DistributorApicil is an insurance partner providing life insurance and retirement products through Linxea. Linxea distributes Apicil products and earns commissions from management fees.
• CNCGPcoreStrategic or Co-development PartnerChambre Nationale des Conseils en Gestion de Patrimoine (CNCGP) is the professional association that Linxea is a member of. CNCGP is approved by AMF and ACPR. This membership provides regulatory oversight and professional standards.
• ORIAScoreOthersORIAS (Organisme pour le Registre des Intermédiaires en Assurances) is the state organization that registers and supervises insurance intermediaries. Linxea is registered under number 07031073.
• MMAminorOthersMMA is the insurance provider for Linxea's professional liability and financial guarantee insurance as required by French insurance law (articles L512-6 and L512-7 of the Insurance Code).

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MeilleurPlacement: French online savings broker founded 1999, distributing assurance-vie, PER, and SCPI contracts from multiple insurers. Directly comparable in model, target customer (French retail savers), and product breadth.
• Placement-direct.fr: French online life insurance and savings broker offering multi-carrier assurance-vie and PER contracts. Same business model and customer segment as LinXea.
• Magnolia.fr: French online insurance broker (Magnolia Webconseil) distributing assurance-vie, PER, and health contracts. Directly comparable in digital distribution and customer profile.
• Yomoni: French robo-advisor offering UCITS-based managed life insurance (assurance-vie) and PER with low fees. Comparable in digital-first advisory model targeting French retail savers.
• Nalo: French robo-advisor providing personalized life insurance and savings products online. Same digital-first French retail savings customer.

Broad incumbents

• Boursorama Banque: France's largest online bank (Société Générale subsidiary) offering assurance-vie, PER, and brokerage. Overlaps with LinXea in online savings for French retail, but with a much wider banking product portfolio.
• Fortuneo: French online bank (Crédit Mutuel Arkéa subsidiary) distributing assurance-vie and savings contracts. Overlaps with LinXea in online savings, with broader banking services.

Emerging players

• Trade Republic: Pan-European mobile-first neobroker expanding into French savings/insurance products with low-cost offering. Comparable as a digital-first challenger in French retail savings, though broader product set.
• Assurland: French insurance comparison and brokerage platform distributing life, health, auto, and home insurance. Comparable in the insurance brokerage/intermediation role for French consumers.

Regional players

• Bourse Direct: French online broker (Société Générale group) providing brokerage, PEA, and savings products. Comparable in the online French retail investing channel though with more emphasis on direct stock trading than assurance-vie.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• YouTubeyoutube.com/@Linxea_officiel
• Facebookfacebook.com/linxea
• LinkedInlinkedin.com/company/linxea
• Instagraminstagram.com/linxea

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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 LinXea