UAF life Patrimoine

What UAF life Patrimoine does

UAF Life Patrimoine is a French private company headquartered in Lyon that operates an open-architecture distribution platform dedicated exclusively to Conseillers en Gestion de Patrimoine (CGP), the independent wealth management advisors in France. As a wholly owned subsidiary of Spirica, itself 100% owned by Groupe Crédit Agricole Assurances, the company selects, packages, and distributes a complete range of savings and retirement products — assurance vie (life insurance), capitalisation, and retraite / PER (retirement savings) — through a network of more than 1,800 active CGP partners across metropolitan France. The platform is complemented by Services Digitaux, a set of 100% digital tools covering client management, product distribution, and operational processing, and by the Welcome Pack onboarding program targeting newly established independent CGPs.

Revenue is generated on a commission-and-fee basis as UAF channels product subscriptions and AUM from its CGP network to its parent insurer Spirica, with three Directions Commerciales Régionales providing geographic and relational coverage. The firm does not sell directly to consumers; pricing, product economics, and contract terms are set by Spirica and monetized through partner commissions rather than disclosed consumer rates.

The platform is supported by roughly 150 employees and operates with multi-year partner contracts; corporate governance, anti-corruption policy, and ISO 37001 certification flow down from Crédit Agricole Assurances. Recent operating signals include 1.7 billion euros of collecte (gross inflows) and 8.4 billion euros of encours (assets under management) as of 31/12/2025, a 96% digital-services satisfaction rate among active CGP partners per the April 2025 Kantar barometer, and the Prix Innovation coupole de l'audace received at the Coupoles de la Distribution 2026.

Name

UAF life Patrimoine

Legal name

UAF Life Patrimoine

Website

https://uaflife-patrimoine.fr

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

UAF Life Patrimoine is a Lyon-based, Crédit Agricole Assurances-owned B2B distribution platform that delivers life insurance, capitalization, and PER savings products exclusively to a network of 1,800+ independent wealth management advisors (CGPs) across France, supported by 100% digital partner tools and the Welcome Pack onboarding program.

Ownership category

akta.pro rank

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Savings Products Distribution: UAF Life Patrimoine distributes life insurance (assurance vie), capitalization, and retirement (PER) products through its network of CGP partners, earning commissions and fees from Spirica (its parent insurance company) for distribution services.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

UAF Life Patrimoine is an open-architecture distribution platform dedicated to Conseillers en Gestion de Patrimoine (CGP), distributing a complete and innovative range of savings and retirement products — life insurance (assurance vie), capitalization, and retirement (including PER). All products are issued by Spirica and reach end clients exclusively through UAF's network of 1,800+ active CGP partners in France, supported by a digital services platform, a dedicated wealth advisory team, and regional commercial offices.

Product overview

UAF Life Patrimoine is a platform dedicated to Conseillers en Gestion de Patrimoine (CGP) offering a complete and innovative range of savings and retirement products. The product portfolio includes three core insurance products: Assurance vie (life insurance for asset diversification and security), Capitalisation (wealth transmission optimization), and Retraite (long-term retirement savings including PER). The platform supplements its core offerings with digital services (Services Digitaux) providing innovative, 100% digital tools, and a Welcome Pack onboarding program for newly established CGP partners. All products are distributed exclusively through CGP partners.

Differentiator

Problem solved

Functional benefit

Brands

• Welcome Pack by UAF Life Patrimoine: Onboarding program for newly established independent CGP partners, offering training, personalized support, and innovative digital tools.

Products and services

• Assurance vie (Life Insurance) Life insurance product that allows CGP partners to diversify and secure the assets of their end-clients in France. Issued by Spirica and distributed exclusively through the CGP partner network.
• Capitalisation (Capitalization Insurance) Capitalization insurance product enabling CGP partners to optimize the transmission of their clients' wealth. Issued by Spirica and distributed through the CGP partner network.
• Retraite (Retirement Savings, including PER) Retirement savings product for long-term wealth anticipation, including PER (Plan Épargne Retraite) offerings, intended for CGP partners serving end-clients preparing for retirement.
• Services Digitaux (Digital Services for CGP Partners) Innovative digital tools and services for CGP partners, including 100% digital capabilities supporting client management, product distribution, and operational processing. Targeted at UAF's CGP partner network across France.
• Welcome Pack by UAF Life Patrimoine Onboarding program for newly established independent CGP partners, providing training, personalized support, and access to UAF Life Patrimoine's innovative digital tools to facilitate partner integration.

Quantifiable outcome

• 96% of active CGP partners rate digital services as high quality and performance

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• SpiricacoreStrategic or Co-development PartnerSpirica is the life insurance company to which UAF Life Patrimoine is fully attached as a subsidiary. UAF Life Patrimoine serves as a distribution platform for Spirica's insurance products, with full delegation of management authority.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Nortia: Nortia is a French open-architecture distribution platform serving independent wealth management advisors (CGP/CGPI) with multi-insurer life insurance, capitalization, and retirement products. It is the closest direct competitor to UAF Life Patrimoine, sharing the same B2B open-architecture model for the CGP channel.
• Primonial: Primonial is a French wealth management group offering life insurance, retirement, and asset management solutions primarily through independent wealth advisors. Comparable to UAF in serving the CGP channel with a multi-product savings and retirement platform anchored to its own insurer.
• Meilleurtaux: Meilleurtaux is a French financial product distribution and comparison platform for insurance, savings, and credit products, including offerings targeted at wealth management advisors and end clients. Comparable to UAF's distribution-and-digital-tools intermediation model in the French market.
• Netinvestissement: Netinvestissement is a French open-architecture wealth management platform serving independent wealth advisors (CGPI) with life insurance and savings products from multiple insurers. Directly comparable to UAF's CGP-exclusive distribution model and product breadth.

Broad incumbents

• CNP Assurances: CNP Assurances is one of France's largest life and personal protection insurers, distributing through partner networks including banking and wealth management channels. Comparable to UAF as a major French life insurer with CGP-relevant products, though at much larger and broader scale.
• BNP Paribas Cardif: BNP Paribas Cardif is the insurance arm of BNP Paribas, offering life insurance, savings, and retirement products distributed through partner networks and wealth advisors. Comparable to UAF as a major French life insurance carrier serving the wealth advisory channel.
• AXA France: AXA France is a major French insurance provider offering life insurance and retirement products, including through independent wealth advisor networks. Comparable as a broad incumbent in life insurance product manufacturing that competes for CGP distribution relationships.
• Société Générale Assurances: Société Générale Assurances provides life insurance and retirement savings products distributed through banking networks and wealth advisors. Comparable as a major French life insurer with CGP-relevant offerings; also recently acquired Primonial, increasing its overlap with UAF's channel.

Others

• Spirica: Spirica is the life insurance company that UAF Life Patrimoine is a subsidiary of, and the exclusive product supplier to UAF's distribution platform. Not a competitive peer, but the direct upstream counterparty whose products UAF distributes, with full management delegation from Spirica to UAF.
• Crédit Agricole Assurances: Crédit Agricole Assurances is the ultimate parent group (owning Spirica, which owns UAF Life Patrimoine) and France's #1 insurer per L'Argus 2025. Not a competitive peer but the strategic parent providing institutional backing, brand credibility, and balance sheet strength that UAF leverages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/uaflife-patrimoine
• Xx.com/uaf_life

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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 UAF life Patrimoine