AGIPI

Name

AGIPI

Legal name

Association Générale Interprofessionnelle de Prévoyance et d'Investissement (AGIPI)

Website

https://agipi.com

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance and Savings Products

NAICS

Health and Welfare Funds (525120), Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

akta.pro secondary industries

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH), Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Life insurance
• Retirement savings
• Income protection
• Complementary health
• Loan insurance

Headquarters

HQ city

Schiltigheim

HQ country

France

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - Prévoyance: Recurring insurance premiums for income protection products covering incapacity, disability, and death. Sold through AXA agent network with membership in the AGIPI association.
2. Insurance Premiums - Complementary Health: Recurring health insurance premiums for supplementary health coverage. Provides reimbursement of medical expenses including hospitalization, optics, dental, and hearing aids.
3. Insurance Premiums - Life Insurance: Life insurance premiums for savings and capital accumulation. Includes euro-denominated funds and unit-linked investments for various investment profiles.
4. Insurance Premiums - Retirement Savings (PER): Pension savings plan (Plan Epargne Retraite) premiums allowing tax deductions and building retirement income through long-term savings.
5. Insurance Premiums - Loan Insurance: Insurance premiums for protecting loans against death, work stoppage, or disability. Covers personal and professional borrowing commitments.
6. Capitalization Contracts: Capitalization contracts for diversified and dynamic wealth management with transmission benefits.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

AGIPI is a French policyholder association (association d'assurés) that designs and distributes insurance and savings products to individual members, including income protection (prévoyance), complementary health, life insurance, retirement savings (PER), loan insurance, and capitalization contracts. Products are underwritten by AXA France Vie and AXA Assurances Vie Mutuelle and distributed through a network of 4,000 AXA general agents across France.

Product overview

AGIPI (Association Générale Interprofessionnelle de Prévoyance et d'Investissement) est une association d'assurés partenaire d'AXA qui conçoit des solutions d'assurance en retraite, prévoyance, santé, épargne et assurance emprunteur à destination des indépendants, professions libérales, salariés, seniors et retraités. Son offre est structurée autour de six produits principaux : la Prévoyance CAP (assurance prévoyance multi-récompensée), l'Assurance-vie (avec gestion libre ou conventions de gestion), le FAR PER (plan d'épargne retraite individuel), l'Assurance emprunteur, la Complémentaire santé et le Contrat de capitalisation. À ces produits s'ajoutent des options de gestion de l'épargne (gestion libre, gestion pilotée ESG, conventions de gestion thématiques Impulsion/Avenir/Patrimoine/Durable/Indicielle/Personnalisée), des supports en fonds en euros (FONDS AGIPI Euro Croissance et FONDS AGIPI en euros), ainsi que des unités de compte thématiques (AGIPI Grandes Tendances, AGIPI Monde Durable, AGIPI Immobilier, etc.) et des fonds spécifiques. L'offre AGIPI est gérée en partenariat avec AXA et administrée par ADIS (Associations Diffusion Services).

Differentiator

Problem solved

Functional benefit

Brands

• AGIPI Emprunteur: Insurance for borrowers covering death, disability, and inability to work
• CAP AGIPI Prévoyance
• AGIPI Santé
• AGIPI Assurance Vie
• AGIPI Contrat de Capitalisation
• FAR PER
• FONDS AGIPI Euro Croissance
• AGIPI Grandes Tendances
• AGIPI Monde Durable
• AGIPI Immobilier

Products and services

• Prévoyance CAP (Income Protection)

Quantifiable outcome

• 3.30% net performance on FONDS Agipi Euro Croissance (December 2023)
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, flagship and minor.

• AXA (AXA France Vie and AXA Assurances Vie Mutuelle)coreStrategic or Co-development PartnerAGIPI has a strategic partnership with AXA for insurance product distribution. AXA provides the insurance products through group insurance contracts, with AGIPI acting as the association representing member interests. AXA agents (4,000 advisors) provide sales and advisory services to AGIPI members.
• ADIS (Associations Diffusion Services)coreImplementation/ SI/ Consulting PartnerADIS is the management center for AGIPI memberships by delegation from the insurer. It is a Société Anonyme de courtage (insurance brokerage) located at 12 avenue Pierre Mendès France, Schiltigheim, and is a 100% subsidiary of AXA France Vie. ADIS handles membership management, claims processing, and member communications.
• ODOXAflagshipGTM or Marketing PartnerODOXA is the polling and market research partner for the AGIPI barometer, published monthly with Challenges and BFM Business. The partnership positions AGIPI as a thought leader on French economic opinion and provides regular content marketing material.
• Finance for TomorrowminorStrategic or Co-development PartnerAGIPI participates in Finance for Tomorrow, the Paris finance initiative promoting responsible investment and sustainable finance. AGIPI's membership allows it to advocate for members' interests with financial actors and government to build a more sustainable world.
• ChallengesflagshipGTM or Marketing PartnerChallenges magazine is the media partner for the AGIPI-ODOXA economic barometer, co-publishing monthly French public opinion research on economic topics.
• BFM BusinessflagshipGTM or Marketing PartnerBFM Business is the broadcast media partner for the AGIPI-ODOXA economic barometer, co-publishing monthly French public opinion research on economic topics.
• FEMMES avec...minorStrategic or Co-development PartnerPartnership with FEMMES avec... association to create domestic violence protection guarantees in AGIPI prévoyance, health, and loan insurance contracts. Includes 24/7 helpline, psychological support, legal assistance, and financial compensation for work incapacity.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AXA France: Direct strategic partner and underwriter of AGIPI products, offering the same insurance categories through its own brand. Serves as both ally (distribution) and competitor (own association model competitors).
• CNP Assurances: Leading French life insurance and personal insurance provider with €400B+ AUM, distributing through La Banque Postale, BPCE, and Crédit Agricole. Dominant incumbent in the same life/savings/PER product categories as AGIPI.
• Crédit Agricole Assurances: Major French bancassurer offering life insurance, retirement, and prévoyance products through Crédit Agricole's bank network. Competes for the same retail savings/retirement flows as AGIPI.

Direct peers

• Unéo: French mutual insurer dedicated to military and defense personnel, offering health, prévoyance, and retirement products. Comparable association/affinity distribution model targeting a specific professional segment.
• Klesia: French social protection group formed from mergers of retirement/prévoyance associations, serving professionals and enterprises with health, prévoyance, and retirement products. Comparable in association heritage and target segments.
• Apicil: French social protection group (mutual) focused on retirement, prévoyance, and health for individuals and enterprises. Comparable mid-sized association/mutual insurer competing for the same retail retirement and prévoyance flows.
• AG2R La Mondiale: French association-based retirement and prévoyance provider with €100B+ AUM, serving individuals and professionals through a parallel affinity model. Most structurally similar to AGIPI in operating model (association + insurer partnership, retirement focus, multi-product portfolio).
• Carac: French mutual insurance association focused on savings, retirement, and prévoyance for individuals. Comparable association model, member-first structure, and similar product mix to AGIPI.
• Malakoff Humanis: Leading French social protection group serving employees and retirees through health, prévoyance, savings, and retirement products. Comparable multi-product portfolio and association/Groupement d'Intérêt Économique heritage.
• MACSF (Mutuelle d'Assurance du Corps de Santé Français): French mutual insurer dedicated to healthcare professionals (liberal professions), offering liability, prévoyance, and life insurance. Comparable target segment (independents/liberal professionals) and association/mutual heritage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@AGIPI-la-chaine
• Xx.com/agipi
• Facebookfacebook.com/Agipi-208996012459202
• LinkedInlinkedin.com/company/agipi

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 AGIPI