Swiss Life France

What Swiss Life France does

Swiss Life France is the French subsidiary of Swiss Life Group, a Swiss-headquartered financial services group listed on the Swiss Market Index. Operating in France since 1898, the company serves approximately 1.5 million clients across individual, professional, and enterprise segments, with a particular focus on affluent and high-net-worth clients (225,100 clients representing 80% of individual life AUM). The company is headquartered in Puteaux (La Défense) and employs approximately 1,500 people supported by a network of over 950 financial advisors across more than 450 physical agencies throughout France.

The company's offerings span four pillars: health insurance (complementary health, Madelin, seniors), provident/protection (individual, employee, borrower insurance), life insurance and savings (multi-support contracts combining euro funds and unit-linked investments, PER retirement plans), and property and casualty insurance (home, auto, professional multi-risk). Underlying these products is the 'assureur gestion privée' integrated model, which combines insurance, private banking (Swiss Life Banque Privée), and asset management (Swiss Life Asset Managers France, €64 billion AUM). The MySwissLife digital portal provides policy management and advisor access, while the Carte Blanche network integrates 220,000+ healthcare professionals into the health insurance value proposition.

Swiss Life France generates revenue primarily through insurance premiums, management fees, and Net Banking Income across business lines. In FY2025, total revenue reached €8,094 million (+4% YoY), with life insurance contributing €5,617 million (69%), health and provident €2,056 million (25%), and P&C €420 million (5%). Distribution is executed through a field sales model with 950+ advisors, supplemented by broker/CGP channels, partner programs (expert-comptables, professional associations), online self-service for health and auto, and the MySwissLife portal. The company reported an operating result of €361 million (+8% YoY) and benefits from a group-level SST solvency ratio of ~210% and S&P A+ rating.

Name

Swiss Life France

Legal name

Swiss Life

Website

https://swisslife.fr

Company type

Private

Founded year

1898

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Swiss Life France is a Puteaux-based insurance and wealth management subsidiary of Swiss Life Group, serving 1.5 million individual, professional, and enterprise clients across France through 950+ advisors and 450+ agencies. It offers health, provident, life insurance, retirement, and P&C products via an integrated 'assureur gestion privée' model.

Ownership category

akta.pro rank

Product category

Life Insurance and Wealth Management

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industries

Participating (Dividend) Whole Life Insurance (FSAIABAI), Level Term Life Insurance (FSAIAAAA), Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• Life insurance
• Wealth management
• Private banking
• Health insurance
• Retirement savings

Headquarters

HQ city

Levallois-perret

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance (Assurance Vie): The largest revenue stream, with 2025 life insurance revenue of €5,617 million (6% growth). This includes savings and retirement products. Net inflows of €2.6 billion, with 93% of net inflows oriented toward unit-linked products. Euro fund reserves of €45.1 billion with 61% in unit-linked investments. Revenue generated through insurance premiums, policy management fees, and mortality/expense charges.
2. Health and Provident Insurance (Santé-Prévoyance): Health and provident insurance revenue of €2,056 million in 2025 (+1%), covering individual and collective health plans, personal accident provident products, and borrower insurance. Revenue from premium contributions and claims management.
3. Property and Casualty Insurance (Dommage): Property and casualty insurance revenue of €420 million in 2025 (+6%), including multi-risk home insurance, auto insurance, two-wheeler insurance, and professional multi-risk policies. Revenue from premium contributions and claims handling.
4. Private Banking (Banque Privée): Private banking operations with €8.9 billion in assets under management as of end-2025. Net new money of €562 million. Net Banking Income of €115 million. Operated as part of the integrated 'assureur gestion privée' model.
5. Asset Management (Swiss Life Asset Managers – France): Total assets managed in France of €64 billion (end of 2025), including €25.4 billion for proprietary account (PAM France) and €38.6 billion for third-party account (TPAM France). Revenue through management fees on third-party mandates and investment funds.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels9 records

Core offering

Swiss Life France provides life insurance and savings products (multi-support contracts combining euro funds and unit-linked investments), retirement savings plans (PER), complementary health insurance, provident and personal accident insurance, property and casualty insurance (home, auto, two-wheelers), private banking, and asset management services. The company serves individuals, self-employed professionals, small and medium enterprises, and large corporations through a captive advisory network of 950+ advisors, 450+ agencies, brokers, CGPs, professional association partnerships, and a digital client portal.

Product overview

Swiss Life France operates as a comprehensive insurance and wealth management company offering a multi-product platform. The portfolio is organized around four core pillars: Health (complementary health insurance including SwissLife Santé Particuliers, Retraités, Confort Santé, Confort Hospitalisation, and Madelin), Provident/Protection (individual and professional provident insurance including SwissLife Prévoyance Particuliers, Prévoyance Salariés, Prévoyance Indépendants, Excellence Emprunteur, and Garantie Accidents de la Vie), Life Insurance & Savings (multi-support contracts including SwissLife Stratégic Premium, Stratégic Vie Génération, Capi Stratégic Premium, and retirement solutions SwissLife PER, PER Individuel, PER Entreprise Collectif, and SwissLife Retraite), and Property Insurance (SwissLife Habitation, Bailleur Privé, Auto/Swiss Auto, 2 roues, EDPM, Multi Pro, and Flotte Auto). The company serves individuals, professionals, business owners, and enterprises through over 450 agencies. Core products are supported by digital platforms including MySwissLife client portal and Life Expert TV educational content. Recent strategic launches include SwissLife Gestion de Fortune for high-net-worth clients and SwissLife Assurance Retraite FRPS.

Differentiator

Problem solved

Functional benefit

Brands

• SwissLife Stratégic Premium: Multi-support life insurance contract combining euro funds and units of account
• SwissLife Santé
• SwissLife Prévoyance
• SwissLife Habitation
• SwissLife Auto
• SwissLife Bailleur Privé
• SwissLife PER Individuel
• Swiss Life Gestion Privée
• SwissLife Assurance Retraite
• MySwissLife
• Swiss Life Gestion de Fortune
• SwissLife Multi Pro
• SwissLife Flotte Auto

Products and services

• SwissLife Santé Particuliers Complementary health insurance for individuals, providing reimbursement of healthcare expenses tailored to needs and budget, with online quote, 100% Santé zero co-payment options, and Carte Blanche network access.
• SwissLife Santé Retraités Health insurance complementary product designed for retirees aged 55 and above, with coverage tailored to senior-specific needs.
• SwissLife Confort Santé Comfort-focused health insurance complementary product offering enhanced coverage and service levels beyond standard plans.
• SwissLife Confort Hospitalisation Hospitalization comfort insurance covering private room and related expenses during hospital stays.
• SwissLife Santé Madelin Health insurance for self-employed professionals (TNS) under the Madelin law fiscal framework, offering tax-deductible contributions.
• SwissLife Excellence Emprunteur Mortgage loan insurance to guarantee real estate borrowing for individuals.
• SwissLife Prévoyance Particuliers Individual provident insurance providing financial security for loved ones up to €50,000,000 in case of death or disability.
• SwissLife Prévoyance Salariés Provident insurance for employees covering accident, illness, and extended work stoppage situations.
• SwissLife Garantie Accidents de la Vie Insurance protecting against the financial consequences of accidents in private life.
• SwissLife Prévoyance Indépendants Provident insurance for self-employed professionals, complementing mandatory scheme benefits for work stoppage or disability and protecting loved ones.
• SwissLife Stratégic Premium Multi-support life insurance contract combining capital security through euro funds and performance through unit-linked investments, with automatic rebalancing and included death floor guarantees.
• SwissLife Stratégic Vie Génération Life insurance contract designed for generational wealth transfer with optimized taxation.
• SwissLife Capi Stratégic Premium Capitalization contract based on SwissLife Strategic Premium, offering similar investment features in a capitalization wrapper.
• SwissLife Plan Epargne Retraite (PER) Long-term retirement savings product accessible to all statuses with flexible contributions, tax deductions up to €32,909 (employee) or €82,272 (self-employed), and exit options in capital or annuity.
• SwissLife PER Individuel Individual retirement savings plan allowing tax deduction of contributions and exit in capital or annuity.
• SwissLife PER Entreprise Collectif (PERECO) Collective employee retirement savings plan allowing companies to optimize charges with tax-exempt participation, profit-sharing, and contribution amounts.
• SwissLife Retraite Multi-support life insurance contract dedicated to retirement, with funds accessible at any time and advantageous taxation upon exit.
• SwissLife Habitation Customized multi-risk home insurance protecting housing and belongings for individuals.
• SwissLife Bailleur Privé Landlord insurance protecting real estate heritage and rental income with comprehensive guarantees, unpaid rent coverage, and assistance.
• SwissLife Auto Fully customizable car insurance with 6 evolutive formulas and options including 0 km assistance, kilometer-based insurance, and new value coverage.
• SwissLife 2 roues Insurance for motorcycles, scooters, and quads with mandatory coverage, modular guarantees, assistance and adapted services.
• SwissLife EDPM Insurance for electric scooters, gyropods, and monowheels covering essential guarantees, assistance, civil liability, and theft protection.
• SwissLife Multi Pro Multi-risk professional insurance covering operating losses for 12 months (extendable to 24 months), additional operating costs, and loss of operation extension after theft.
• SwissLife Flotte Auto Complete fleet insurance for professional vehicles with simplified management and dedicated support for businesses.
• MySwissLife Client Portal Online and mobile platform enabling clients to manage contracts, access documents, file claims, contact advisors, and use digital tools for financial management.
• Swiss Life Gestion de Fortune Wealth management service for ultra high-net-worth clients, combining insurance and private banking expertise into an integrated offer.
• SwissLife Assurance Retraite (FRPS) Professional Supplementary Retirement Fund (FRPS) managing the portfolio of supplementary retirement contracts, ACPR-approved.
• Swiss Life Banque Privée Private banking services with €8.9 billion in assets under management, operated as part of the integrated 'assureur gestion privée' model.
• Swiss Life Asset Managers (France) Asset management services managing €64 billion in France (€25.4 billion proprietary and €38.6 billion third-party mandates), generating revenue through management fees.

Quantifiable outcome

• Life insurance revenue growth of 6% in 2025, reaching €5,617 million, outperforming the market's average annual growth of 5% since 2019 (vs. Swiss Life's +9% CAGR).
• +5 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Europ AssistancecoreTechnology or Integration · 1 January 2024Europ Assistance took over the management of Swiss Life France's assistance and teleconsultation services in health and provident insurance from January 1, 2024. This covers travel assistance, hospitalization support, and telemedicine services for Swiss Life policyholders.
• Institut CurieminorStrategic or Co-development Partner · 3 October 2023Swiss Life partnered with Institut Curie to launch the AI4Curie challenge, using artificial intelligence to predict the effectiveness of immunotherapy in lung cancer. The challenge awarded the startup Magic LEMP as its winner in September 2020.
• Malakoff HumanisminorStrategic or Co-development Partner · 24 May 2022Swiss Life France and Malakoff Humanis formed a strategic partnership for international mobility and created a joint venture. The partnership also reinforced their position in the international mobility market. This builds on earlier collaboration in the mobility segment.
• AdvensminorStrategic or Co-development Partner · 3 November 2020Swiss Life partnered with cybersecurity firm Advens as co-sponsor of the LinkedOut sailing boat for 'La Course Au Changement' (The Race for Change), a sailing race promoting sustainable ocean practices.
• KEDGE Business SchoolminorStrategic or Co-development Partner · 14 January 2020Swiss Life partnered with KEDGE Business School to accompany all of its managers through the company's transformation, providing leadership development and management training programs.
• AJAR (Association des Jeunes Anesthésistes-Réanimateurs)minorStrategic or Co-development PartnerAJAR is an association of young anesthesiologists and intensive care physicians in France. Swiss Life provides co-branded insurance and provident solutions for AJAR members, addressing their specific professional liability and retirement needs.
• ANJO (Association Nationale des Jeunes Ophtalmologistes)minorStrategic or Co-development PartnerANJO brings together young ophthalmologists to inform, support, and strengthen their exchanges throughout their training. Swiss Life offers tailored insurance solutions for ANJO members.
• ONSSF (Organisation Nationale des Sages-Femmes)minorStrategic or Co-development PartnerONSSF is the historic and majority professional union of midwives in France, founded in 1953. Swiss Life provides insurance solutions specifically designed for midwives through this partnership.
• UNGE (Union Nationale des Géomètres-Experts)minorStrategic or Co-development PartnerUNGE is the representative professional union of liberal geomatic surveying firms in France, organizing actions for the defense and promotion of the economic and social interests of geomatic experts. Swiss Life provides tailored insurance coverage for UNGE members.
• BIOMED (Syndicat des Biologistes Médicaux)minorStrategic or Co-development PartnerBIOMED is a union grouping liberal, hospital, and resident medical biologists. Swiss Life provides specialized insurance solutions for these healthcare professionals through the partnership.
• Carte Blanche PartenairescoreTechnology or IntegrationSwiss Life integrates the Carte Blanche healthcare provider network, offering policyholders access to 220,000+ healthcare professionals with negotiated rates. The partnership was ROC-certified (Référentiel d'Occupation du Tiers Payant) for hospital third-party payment deployment. This network is a core component of Swiss Life's health insurance value proposition.

Scale indicators17 records

Recent moves9 records

Expansion highlights7 records

Broad incumbents

• Groupama: Groupama is a major French mutual insurer with strength in P&C and life insurance for individuals, professionals, and agricultural clients. Overlaps with Swiss Life's multi-product offering but competes primarily through regional mutuals rather than direct advisor distribution.
• Allianz France: Allianz France is the French subsidiary of global insurer Allianz, offering life, health, P&C, and wealth management through direct, broker, and partnership channels. Competes broadly with Swiss Life across all major product lines, with stronger brand recognition in property and motor insurance.
• Covéa (MAAF, GMF, MMA): Covéa is a leading French mutual insurance group combining MAAF, GMF, and MMA across P&C, life, and health. Its mutual model and broad retail reach overlap with Swiss Life's mass-affluent and individual segments but with very different distribution economics (mutual vs advisor-led).
• Generali France: Generali France operates as a multi-line insurer and wealth manager within Generali Group, serving individuals and businesses through General Agents and broker channels. Comparable to Swiss Life across life, health, and P&C, particularly in professional and HNW segments.

Direct peers

• AXA France: AXA's French subsidiary is a near-direct peer: large multi-line insurer and wealth manager (life, health, P&C) serving individual and professional segments across France through a comparable agency and advisor network, with similar bancassurance-adjacent positioning in the affluent market.
• CNP Assurances: CNP is France's leading individual life insurer with a bancassurance-led distribution model. It directly overlaps with Swiss Life France on multi-support assurance vie contracts and PER retirement savings, though CNP's distribution favors banking partners over captive advisors.
• Crédit Agricole Assurances: Crédit Agricole Assurances is a bancassurance subsidiary offering life, health, P&C, and creditor insurance through Crédit Agricole regional banks. It competes directly with Swiss Life on unit-linked life insurance and PER products targeting the same affluent and agricultural professional segments.
• BNP Paribas Cardif: BNP Paribas Cardif is the insurance arm of BNP Paribas, providing life, health, and creditor insurance primarily through BNP's banking network. Strong overlap with Swiss Life on savings and retirement products for French bank customers.
• Société Générale Insurance: Sogécap and Société Générale Insurance offer life, retirement, and P&C products through Société Générale's banking network. Direct competitor on unit-linked life insurance and PER products targeting the same affluent banking customers.

Emerging players

• Malakoff Humanis: Malakoff Humanis is a leading French group protection and health insurance specialist formed through a major merger. Already a Swiss Life partner in international mobility with a joint venture, it competes directly in collective health, provident, and retirement savings for SMEs and professionals.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/SwissLife_Fr
• YouTubeyoutube.com/user/swisslifeassurances
• Facebookfacebook.com/SwissLife.France
• LinkedInlinkedin.com/company/swiss-life-france
• Instagraminstagram.com/swisslife_fr/?hl=fr

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Swiss Life France