Oradéa Vie
Oradéa Vie is a French life insurance, retirement (PER), and borrower insurance company, wholly-owned by Sogécap (Société Générale group). It distributes through wealth management advisors, broker networks, credit prescribers, and since 2022 a direct-to-consumer online simulator for mortgage insurance.
- Company typePrivate
- Founded1999
- HeadquartersOrléans, France
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What Oradéa Vie does
Oradéa Vie is a French life insurance company operating as a wholly-owned subsidiary of Sogécap, part of the Société Générale group, and headquartered at Tour D2 in Paris La Défense. Founded approximately 26 years ago (around 1999), the company designs and underwrites life insurance, retirement savings (Plan d'Épargne Retraite), capitalization, and individual borrower insurance products for the French market. Its core portfolio comprises three pillars: Multisupport Excellence (multi-support life insurance combining euro funds and unit-linked investments), PER Lignage (individual retirement savings plan with tax advantages), and Iriade Emprunteur (individual borrower insurance for mortgage loans covering death, PTIA, ITT, ITP, IPT, IPP, and family aid). The company also administers more than 30 white-label partner products (Cristalliance, Fipavie, Asteria, Haussmann, UNEP Multisélection, Meilleurtaux Evolution, Target+, etc.) distributed through external advisory networks.
The business operates a hybrid B2B2C / direct-to-consumer model. The primary distribution channel is indirect: wealth management advisor platforms (CGPI), private wealth managers, large broker networks, credit prescribers, and Société Générale's own branch network carry Oradéa Vie's products to end clients. Since 2022, the company has layered a direct-to-consumer digital channel on top of this, with Iriade Emprunteur accessible through a real-time online insurance simulator (simulateur-assurance-emprunteur.oradeavie.fr), supported by an in-house contact center and a fully dematerialized subscription journey ending in electronic signature. Underwriting for Iriade Emprunteur is profile-based rather than group-based, allowing individual pricing per borrower.
The company generates recurring premium and fee income from life insurance, PER, capitalization, and borrower insurance contracts. As of 31/12/2025, it reported €1.6 billion in turnover (chiffre d'affaires) and €10 billion in assets under management. The firm has been recognized with the Label Excellence 2026 and Oscar de l'Assurance 2026 awards for Iriade Emprunteur, Multisupport Excellence, and PER Lignage, and publishes ESG and Transition Énergétique reports under the Énergie-Climat law (Article 29) and SFDR framework. All operations are domestic to France.
Oradéa Vie firmographics
Firmographics- Name
- Oradéa Vie
- Legal name
- ORADÉA VIE, société anonyme d'assurance sur la vie et de capitalisation
- Website
- https://oradeavie.fr
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Short description
- Oradéa Vie is a French life insurance, retirement (PER), and borrower insurance company, wholly-owned by Sogécap (Société Générale group). It distributes through wealth management advisors, broker networks, credit prescribers, and since 2022 a direct-to-consumer online simulator for mortgage insurance.
- Ownership category
- akta.pro rank
Oradéa Vie industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Insurance Carriers (5241), Finance and Insurance (52)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Whole Life Insurance (FSAIABAA)
- akta.pro secondary industries
- Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement Income Planning & Decumulation Advisory (FSAEABAD), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where Oradéa Vie is headquartered
LocationHeadquarters
- HQ city
- Orléans
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Oradéa Vie business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Life Insurance Premiums (Assurance Vie): Oradéa Vie generates recurring premium income from unit-linked and euro-denominated life insurance contracts (Multisupport Excellence, PER Lignage, and white-label products), charging management fees on assets under management.
- Borrower Insurance Premiums (Assurance Emprunteur): Revenue from the Iriade Emprunteur contract — an individual, optional group insurance underwritten via association APOGÉE — generating premium income from death, PTIA, ITT, IPT, ITP, and job loss coverages on mortgage loans.
- Pension / Retirement Plan Premiums (PER): Premiums collected on Plan d'Épargne Retraite (PER) products, including PER Lignage, providing long-term savings with tax advantages, generating both entry premiums and ongoing management fees.
- Capitalisation Contracts: Capitalisation products offered under white-label arrangements with third-party distribution partners, generating fee income on assets managed.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Iriade Emprunteur — three formula tiers with optional add-ons |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Oradéa Vie product offering
Product offeringCore offering
Oradéa Vie designs and underwrites individual life insurance contracts (assurance vie, multi-support with euro and unit-linked funds), individual retirement savings plans (Plan d'Épargne Retraite / PER), and individual borrower insurance (assurance emprunteur) covering death, PTIA, ITT, ITP, IPT, and IPP for mortgage loans. The company distributes its products both through a network of wealth management advisor platforms, private wealth managers, large broker networks, and credit prescriber partners (B2B2C), and directly to consumers via an online simulator (since 2022) for its flagship Iriade Emprunteur borrower insurance product.
Product overview
Oradéa Vie is a life insurance company and wholly-owned subsidiary of Société Générale Assurances, operating as a multi-product insurance platform. The core product portfolio spans three main categories: (1) borrower insurance (assurance emprunteur) with the flagship Iriade Emprunteur product; (2) life insurance and savings (assurance vie / épargne) including Multisupport Excellence and Oradea-branded products; and (3) individual retirement solutions (retraite) anchored by PER Lignage. The company distributes these products both directly to consumers via digital channels and through an extensive partner network of wealth management advisors (CGPI), private banking actors, broker platforms, and credit referrers. The partner sub-brand portfolio includes over 30 named products (such as Cristalliance Opportunités, Fipavie Opportunités, Asteria, Haussmann, UNEP Multisélection, Meilleurtaux Evolution, Target+, etc.) that are white-labeled or distributed through intermediary partners. Key differentiators include a fully dematerialised subscription process, personalised pricing based on individual risk profiles, and coverage spanning death, disability, incapacity, and unemployment protection. In 2022, the company launched a direct-to-consumer sales channel for Iriade Emprunteur through an online simulator.
Differentiator
Problem solved
Functional benefit
Brands
- Iriade Emprunteur: Borrower insurance product offering customizable coverage for mortgage loans, covering death, PTIA, ITT, ITP, IPT, and family assistance
- PER Lignage
- Multisupport Excellence
Products and services
- Iriade Emprunteur Individual borrower insurance contract covering death, total and irreversible loss of autonomy (PTIA), temporary total incapacity (ITT), temporary partial incapacity (ITP), permanent total disability (IPT), permanent partial disability (IPP), and family aid. Available to borrowers aged 18-79, for loans up to €10,000,000 over a maximum 30-year term. Three formula tiers (Formula 1, 2, 3) with optional add-ons including the 'Zen' option, customizable franchise periods (15-180 days), and sport/mental health/spinal exclusion buy-backs. Underwritten via association APOGÉE. Profile-based individual pricing.
- PER Lignage
Quantifiable outcome
- Savings of up to €15,000 on borrower insurance cost vs. bank-group insurance
- +2 more outcomes
Companies that use Oradéa Vie
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Oradéa Vie technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Oradéa Vie partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and flagship.
- Association APOGÉEcoreIRIADE Emprunteur (n°90.247 D) is a collective insurance contract on life with optional membership, underwritten by association APOGÉE for the benefit of its members, with Oradéa Vie as the insurer. This is the legal vehicle through which the Iriade Emprunteur product is distributed.
- Plateformes de conseillers en gestion de patrimoine (wealth management advisor platforms)flagshipOradéa Vie partners with wealth management advisor platforms (CGPI) to distribute its life insurance, PER, and capitalisation products. These partners provide access to the mass-affluent and HNW retail segment. This is a primary growth axis for the company's life insurance/wealth management strategy.
- Acteurs de la gestion privée (private wealth management actors)flagshipPrivate wealth management firms distribute Oradéa Vie savings and retirement solutions (PER, life insurance) to high-net-worth individuals. This partnership aligns with Oradéa Vie's strategic growth axis for life insurance and savings via private wealth partnerships.
- Grands réseaux de courtiers (large broker networks)flagshipMajor insurance broker networks distribute Iriade Emprunteur borrower insurance. Oradéa Vie historically commercialized its borrower insurance in B2B via these broker and credit prescriber partnerships, before launching its direct-to-consumer channel in 2022.
- Prescripteurs en crédits (credit prescriber networks)coreCredit intermediaries and mortgage referral networks direct borrowers to Oradéa Vie for borrower insurance coverage. These partners generate leads for the Iriade Emprunteur product across the French mortgage market.
- Distributors of Oradéa Vie sub-branded products (white-label partners)coreOradéa Vie offers a range of life insurance, PER, and capitalisation products under its own brand as well as white-label arrangements. The 'Nos offres sous marque Oradéa Vie' and 'Nos offres labellisées' pages reference multiple partner-branded products (e.g., Arthemis Vie, Asteria, Avenir Finance Partenaire Vie, Cristalliance, Fipavie, Futura Vie, Haussmann, Kutxa Vie, Link Vie, Matla, Meilleurtaux Evolution, Oficea Patrimoine, Patrimea, Providis, Smart Excellence, UNEP, Valuance, etc.) distributed through third-party distribution networks.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Oradéa Vie competitors and assessment
Company assessmentDirect peers
- CNP Assurances: France's leading individual life insurance and personal protection insurer, majority-owned by La Banque Postale. Directly comparable as a French life insurance carrier offering assurance vie, PER, and personal risk products through bank and partner distribution, with similar scale and channel architecture.
- Predica (Crédit Agricole Assurances): Life insurance and creditor insurance arm of Crédit Agricole, one of France's largest bank-affiliated insurers. Directly comparable as a bank-group life insurance subsidiary offering assurance vie, PER, and borrower insurance primarily through Crédit Agricole branches and partner distribution.
- Suravenir (Crédit Mutuel Arkéa): Life insurance and capitalization subsidiary of Crédit Mutuel Arkéa, focused on partner distribution (CGPI, brokers, online distributors). Closely comparable in business model to Oradéa Vie — particularly its white-label / partner-branded life insurance platform and CGPI-led distribution.
- Cardif (BNP Paribas): Life insurance and protection insurance subsidiary of BNP Paribas, distributing savings, retirement, and borrower insurance products through BNP Paribas network and external partners. Directly comparable as a major bank-affiliated life insurance competitor in the French market.
- Spirica: French life insurance insurer (subsidiary of Crédit Agricole Assurances) specialized in online and partner-distributed life insurance and capitalization products. Comparable as a digitally-enabled life insurance carrier with strong CGPI and online broker distribution.
Broad incumbents
- AXA France: French arm of AXA, one of France's largest insurers offering life insurance, health, property & casualty, and retirement products through agent and partner networks. Comparable as a broad incumbent competitor across Oradéa Vie's product set, though AXA is multi-line and not specialized in life insurance alone.
- Generali France: French subsidiary of Generali, offering life insurance, P&C, and health products through agent, broker, and partner networks. Comparable as a broad incumbent in French life insurance, though Generali is multi-line and pan-European rather than life-specialized.
- Allianz France: French arm of Allianz, offering life insurance, health, P&C, and retirement savings through agent and partner channels. Comparable as a broad incumbent competing in the French life insurance and retirement savings market.
- Maif (MMA / Maif Vie): French mutual insurer offering life insurance, P&C, and health products through member and partner channels. Comparable as a French incumbent offering assurance vie and retirement savings products, particularly via partner distribution models.
Others
- Sogécap (parent): Direct parent company of Oradéa Vie and the life insurance subsidiary of Société Générale group. Included for comparability context as the consolidating entity that sets strategy, capital, and governance for Oradéa Vie.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Oradéa Vie social profiles
Digital presenceOradéa Vie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Oradéa Vie leadership team
Management profileNumber of profiles
Profiles1 record
Oradéa Vie funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Oradéa Vie M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Oradéa Vie
What does Oradéa Vie do?
Oradéa Vie designs and underwrites individual life insurance contracts (assurance vie, multi-support with euro and unit-linked funds), individual retirement savings plans (Plan d'Épargne Retraite / PER), and individual borrower insurance (assurance emprunteur) covering death, PTIA, ITT, ITP, IPT, and IPP for mortgage loans. The company distributes its products both through a network of wealth management advisor platforms, private wealth managers, large broker networks, and credit prescriber partners (B2B2C), and directly to consumers via an online simulator (since 2022) for its flagship Iriade Emprunteur borrower insurance product.
Is Oradéa Vie a public or private company?
Oradéa Vie is a private company. It is classified as corporate owned and is currently operating.
When was Oradéa Vie founded?
Oradéa Vie was founded in 1999.
Where is Oradéa Vie based?
Oradéa Vie is headquartered in Orléans, France, in the Europe region.
How does Oradéa Vie make money?
Four revenue lines are on record. Life Insurance Premiums (Assurance Vie) is the primary driver. The others are borrower Insurance Premiums (Assurance Emprunteur), pension / Retirement Plan Premiums (PER) and capitalisation Contracts.
Who are Oradéa Vie's main competitors?
Direct peers on record are CNP Assurances, Predica (Crédit Agricole Assurances), Suravenir (Crédit Mutuel Arkéa), Cardif (BNP Paribas) and Spirica. Broad incumbents are AXA France, Generali France, Allianz France and Maif (MMA / Maif Vie). Sogécap (parent) is listed as an others.
Does Oradéa Vie have an API?
No public API is recorded for Oradéa Vie.
What industry is Oradéa Vie in?
Oradéa Vie's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance, with a secondary code of FSAEABAH, Annuity & Insurance-Based Retirement Solutions Advisory. Its NAICS code is 524113 and its SIC code is 6311.