SPVIE Assurances

What SPVIE Assurances does

SPVIE Assurances is a French multi-specialist insurance brokerage group headquartered in Suresnes, France, founded in 2010 by Jérémy Sebag and Cédric Pironneau. The company distributes health insurance (Complémentaire Santé, Surcomplémentaire Santé), prévoyance, savings and retirement products (PERIN plans via SPVIE Activ' Retraite and SPVIE Flex Retraite), and professional liability and construction insurance (through its Ediifice subsidiary) to individuals, self-employed workers (TNS), enterprises, and expatriates across France, Spain, and Morocco. SPVIE operates as the 4th-ranked wholesale broker (courtier grossiste) in France, managing €500 million in insurance premiums across 450,000+ policyholders, and ranks 18th among all French brokers.

The company generates revenue primarily through wholesale brokerage commissions on premiums distributed via a network of 2,400+ partner courtiers, supplemented by telephone sales (approximately 15 million calls per year, ~1,000 daily contracts subscribed) through 100+ independent brokerage cabinets, direct-to-consumer online sales via monassurance.spvie.com, and digital subscription. Supporting the distribution model is a proprietary technology stack including the BIG BROKER B2B marketplace (launched 2023), SPVIE Connect for 100% digital subscription, a novel SMS-based electronic signature system with legal equivalence to handwritten signatures, a policyholder portal (Espace Assuré), and iOS/Android mobile applications. AI tools are used in a limited capacity to assist brokers with client advisory and quote generation.

The business operates across five market segments (individuals and independents, enterprises, savings-retirement, real estate, and international) under a group structure of 10 wholly-owned subsidiaries including CGRM (insurance management, acquired 2020), OnVousAssure.com (digital distribution, acquired 2021), 2A Assurances de l'Adour (regional broker, acquired 2020-2021), AÏBO Solutions Collectives (collective insurance), Ediifice (construction/real estate insurance), and SPVIE Wealth Management. The company reported 2023 revenue of €105 million, representing 17% year-over-year growth, and is regulated by ACPR with ORIAS registration (n° 10 058 151).

Name

SPVIE Assurances

Legal name

SPVIE (Société par actions simplifiée)

Website

https://spvie.com

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

SPVIE Assurances is a French multi-specialist insurance brokerage group, ranked 4th wholesale broker in France, distributing health, prévoyance, savings-retirement, and professional insurance through 2,400+ partner courtiers and digital channels to 450,000+ policyholders across France, Spain, and Morocco.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage
• Health insurance
• Wholesale broker
• Collective insurance
• Retirement savings

Headquarters

HQ city

Suresnes

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wholesale Brokerage Commissions: Revenue generated from distributing insurance products through a network of partner courtiers and mandataires. The company acts as a wholesale broker (courtier grossiste), earning commissions on premiums written through its distribution network across health, prévoyance, épargne-retraite, immobilier-construction, and IARD lines.
2. Insurance Premium Administration: Managing insurance portfolios for 450,000+ policyholders across health and prévoyance, collecting premiums and earning administrative fees. Includes integration of acquired companies like CGRM for insurance management expertise.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels9 records

Core offering

SPVIE Assurances is a French multi-specialist insurance brokerage group distributing complementary health insurance, prévoyance (income protection), retirement savings plans (PERIN), construction/professional liability insurance, and international health coverage. The company operates as a wholesale broker (courtier grossiste) and aggregator, distributing its product portfolio through a network of 2,400+ partner courtiers, telephone sales operations, direct online channels, and dedicated enterprise brands like AÏBO Solutions Collectives. It serves individuals, self-employed workers, businesses, and expatriates across France, Spain, and Morocco.

Product overview

SPVIE Assurances is an industrial brokerage group offering a multi-product, multi-channel insurance platform. Its core portfolio comprises five product ranges: (1) Health — including supplementary health (Complémentaire Santé), top-up health (Surcomplémentaire), TNS-specific Smart Santé plans, and individual health products (Santé Genius, Santé Malin, Santé Senior, Smart Santé, Nova, Santé Vega, Renfort Hospi); (2) Collective insurance via AÏBO Solutions Collectives covering CCN-specific health and prévoyance for enterprises; (3) International/expat health coverage (INTERNATIONAL product through VYV International with three formula tiers); (4) Savings/Retirement — PERIN plans (Activ' Retraite, Flex Retraite) and life insurance; (5) IARD/Professional lines through subsidiary Ediifice (RC PRO, RC Pro Agent Co. Immobilier, RC Bat+) plus standalone RC Professionnelle TNS and Garantie Décennale. These products are distributed through a multi-channel model (wholesale, mass market, proximity, direct) via a network of over 2,400 partner brokers, integrated networks, and direct digital channels. Supporting platforms include the BIG BROKER B2B marketplace, SPVIE Connect e-commerce platform for brokers, a mobile app for policyholders, and the online policyholder portal (Espace Assuré).

Differentiator

Problem solved

Functional benefit

Brands

• SPVIE Santé Genius: Comprehensive and flexible health coverage product for individuals and self-employed
• SPVIE Santé Malin
• SPVIE Santé Senior
• SPVIE Smart Santé
• SPVIE Nova
• SPVIE Santé Vega
• SPVIE Renfort Hospi
• AÏBO Solutions Collectives
• Ediifice
• SPVIE Activ' Retraite
• SPVIE Flex Retraite

Products and services

• Complémentaire Santé (Supplementary Health Insurance) Supplementary health insurance that complements French Social Security reimbursements for medical consultations, pharmacy, analysis, optics, dental, and hospitalization, available to individuals and families.
• Surcomplémentaire Santé (Top-up Health Insurance) Top-up health insurance that supplements existing primary health contracts, offering additional reimbursement levels up to +200% of Social Security base rate across six coverage levels.
• Prévoyance (Income Protection / Personal Accident) Personal and business accident insurance covering injury, hospitalization costs, and death compensation, with contracts available for individuals, families, and employees.
• Smart Santé TNS Health insurance product for self-employed workers (TNS) eligible under the Madelin law, offering three ranges (Essentielle, Confort, Fidélité) with Carte Blanche network access, tax deductions, and digital subscription.
• SPVIE Individual Health Product Line (Santé Genius, Santé Malin, Santé Senior, Smart Santé, Nova, Santé Vega, Renfort Hospi) Comprehensive range of individual responsible and non-responsible health insurance contracts (Santé Genius, Santé Malin, Santé Senior, Smart Santé, Nova, Santé Vega, Renfort Hospi) targeted at individuals and self-employed workers through proximity broker networks and direct sales.
• AÏBO Solutions Collectives Dedicated brand for collective insurance solutions covering CCN Prévention et Sécurité, Propreté, Transports Routiers, SYNTEC, and Services de l'automobile, offering tailored health and prévoyance for enterprises across multiple collective bargaining agreements.
• INTERNATIONAL Health Insurance (Expatriate Coverage) International health coverage provided in partnership with VYV INTERNATIONAL, offering CFE complement and first-euro plans for students, individuals, families, and corporate employees abroad, with Basic, Essential, and Serenity formula options.
• Épargne / Retraite (Savings and Retirement Plans) Savings and retirement preparation products including PERIN plans (SPVIE Activ' Retraite and SPVIE Flex Retraite) and life insurance, designed for individuals and professionals to build retirement capital.
• Ediifice Construction and Real Estate Insurance Construction and real estate insurance products (RC PRO Prestataire de Service, RC Pro Agent Co. Immobilier, RC Bat+, Garantie Décennale) offered through SPVIE's subsidiary Ediifice for professionals in the building and real estate sectors.
• RC Professionnelle TNS (Professional Liability for Self-Employed) Professional liability insurance for self-employed workers and business leaders, protecting against risks associated with their professional activity.
• Garantie Décennale (Ten-Year Construction Warranty) Ten-year construction warranty insurance covering structural defects for ten years after construction, required for construction and real estate professionals.
• Protection Juridique (Legal Protection Insurance) Legal protection insurance contract ensuring policyholder rights and interests are defended, with access to legal expertise.
• BIG BROKER Platform Digital B2B marketplace platform enabling proximity brokers to access a wide range of SPVIE insurance products in one centralized location, simplifying broker workflows and improving distribution efficiency.
• SPVIE Connect Fully digital subscription platform that is regulation-compliant, enabling brokers to create their own e-commerce site for SPVIE insurance sales.
• SPVIE Wealth Management Financial investment advisory subsidiary of the SPVIE group, providing investment management and wealth planning services.

Quantifiable outcome

• 450,000+ policyholders insured through the platform
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles5 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature6 records

Partnerships

14 partnerships are on record, tiered core and supporting.

• VYV INTERNATIONALcoreStrategic or Co-development Partner · 23 May 2024Partnership for international health insurance products covering expatriates, students, families, and corporate employees abroad. SPVIE recommends VYV INTERNATIONAL's coverage plans, including CFE complement and first-Euro coverage options, through its INTERNATIONAL product. The partnership provides three coverage formulas (Basic, Essential, Serenity) with digital medical questionnaire.
• ExpatpacoreTechnology or Integration · 23 May 2024Third-Party Administrator (TPA) for international health insurance managing the INTERNATIONAL product. Expatpa provides 24/7 customer service, transaction card enabling no-advance-fee payments worldwide, and customized service for expatriates.
• Klava (Quitoxil)supportingStrategic or Co-development Partner · 20 May 2024Partnership providing the Quitoxil smoking cessation application to SPVIE's 400,000+ policyholders free of charge until September 2024. Quitoxil is a therapeutic program developed by Klava, clinically tested at CHU Paul Brousse, offering personalized support for tobacco cessation including teleassistance and cognitive behavioral therapy.
• France Patients Experts AddictionssupportingStrategic or Co-development Partner · 20 May 2024Partner providing teleassistance services through former smokers certified in addictology, available 24/7 for Quitoxil program users seeking smoking cessation support.
• OnVousAssure.comsupportingChannel Partner/ Reseller/ Distributor · 16 July 2021Digital insurance distribution platform acquired to expand SPVIE's direct-to-consumer digital capabilities and market reach.
• 2A Assurances de l'AdoursupportingChannel Partner/ Reseller/ Distributor · 1 January 2021Regional insurance broker acquired to strengthen SPVIE's presence in the southern French market.
• CGRMcoreStrategic or Co-development Partner · 1 January 2020Insurance management expert acquired in 2020, strengthening SPVIE's value chain mastery in health and prévoyance management for both collective and individual insurance.
• Carte Blanche PartenairessupportingStrategic or Co-development PartnerHealth care network providing access to 8 million insured individuals through 45+ complementary insurance partners. Offers agreements with health professionals in optics, hearing, and dental care with reduced patient costs.
• ItelissupportingStrategic or Co-development PartnerHealth care network partner serving 10 million beneficiaries through 80 complementary insurance partners. Provides 96% beneficiary satisfaction rate and focuses on accessible, fair, and efficient healthcare access.
• SantéclairsupportingStrategic or Co-development PartnerHealth care platform providing services to 10 million beneficiaries through 55 complementary insurance partners and 7,600 health professionals. Includes surgical estimate analysis, negotiated specialist rates, geolocation of partner professionals, and digital coaching for nutrition and sleep.
• ThéraSomniasupportingStrategic or Co-development PartnerOnline sleep coaching program included with Santéclair services at no additional cost. Provides personalized Cognitive Behavioral Therapy (CBT) for insomnia recovery, accessible through MySantéclair portal.
• SPVIE Wealth ManagementsupportingStrategic or Co-development PartnerSubsidiary providing financial investment advisory services, extending SPVIE's offerings beyond insurance into wealth management.
• EdiificesupportingStrategic or Co-development PartnerSubsidiary specialized in construction and real estate insurance, providing RC PRO, RC Pro Agent Co. Immobilier, and RC Bat+ products for professionals in the building and real estate sectors.
• L&A LifesupportingChannel Partner/ Reseller/ DistributorPartner insurance broker (courtier) specializing in social protection for independents and enterprises. Success with Alpha TNS, Entreprise Protection, and PERIN products. Part of L&A Finance group, the 5th largest wealth management cabinet in France.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Willis Towers Watson (WTW) France: WTW (formerly Gras Savoye, where SPVIE co-founder Jérémy Sebag worked) operates a global insurance and risk brokerage with French operations; it competes in enterprise and individual lines but at materially larger scale and scope.
• Marsh France: Marsh, the global insurance broker and risk advisor, operates in France across commercial lines and employee benefits; it is a broader incumbent competitor with overlapping capabilities but a very different enterprise focus.
• Aon France: Aon is a global professional services firm with French insurance brokerage and health & benefits practices; it competes with SPVIE in collective health and prévoyance for enterprises but at a far larger scale.

Direct peers

• Verspieren: Verspieren is a French family-owned multi-specialist insurance brokerage serving enterprises and individuals across property/casualty, health, and prévoyance — a directly comparable independent mid-market French broker.
• Klesia: Klesia is a French paritarian social protection group providing health and prévoyance for employees and retirees, with significant group/enterprise capabilities overlapping SPVIE's AÏBO Solutions Collectives enterprise segment.
• Alptis: Alptis is a French mutual insurance broker offering health, prévoyance, savings, and IARD products to individuals and professionals — highly comparable to SPVIE's multi-product, multi-segment brokerage model.
• Henner Group: Henner is a French independent insurance broker specialized in health, prévoyance, and retirement for individuals, professionals, and enterprises — directly comparable to SPVIE's core individual and TNS health and prévoyance distribution.
• Assur'Partners: Assur'Partners is a French network of independent insurance brokerages pooling distribution resources; its shared broker-network model closely mirrors SPVIE's reliance on its 2,400+ partner courtiers.
• April Group: April is a French multi-specialist insurance broker and distributor (health, prévoyance, savings, IARD) historically comparable in scale and product breadth to SPVIE, with B2B2C distribution via partner intermediaries — making it the closest direct peer for product mix and go-to-market.

Emerging players

• Alan: Alan is a French health insurtech offering direct-to-consumer and B2B complementary health and prévoyance, fully digital subscription; it overlaps with SPVIE's core health lane but bypasses the intermediary brokerage model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/spvie
• YouTubeyoutube.com/channel/UCRgu_e5rW5TNSdZwlVT6KwA/featured
• Facebookfacebook.com/SPVIE.Assurances
• LinkedInlinkedin.com/company/spvie
• Instagraminstagram.com/spvie.assurances
• TikToktiktok.com/@spvie.assurances

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries6 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A2 records

Investments

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

Frequently asked questions about SPVIE Assurances