What Predictis does

Predictis is a French insurance brokerage (courtier) founded in 1997 and headquartered in Boulogne-Billancourt, operating as a wholly-owned subsidiary of Groupe Premium, which is described as the leading savings insurance broker in France since 2015. The company distributes life insurance contracts (notably the exclusive 'Objectif Épargne'), PER retirement savings plans ('Galya Retraite Individuelle' and 'Perfutura Premium'), prévoyance/provident insurance, loan insurance, tax optimization solutions, and corporate treasury products on behalf of carrier partners including Abeille Assurances, Swiss Life, AG2R La Mondiale, Groupama Gan Vie, Humanis, and AFI ESCA. Distribution is conducted through a nationwide network of 450+ independent wealth advisors operating under a structured four-step accompaniment process (diagnosis, strategy, product selection, ongoing monitoring), supplemented by an online patrimonial simulator and partner-branded client portals.

The revenue model is commission-based brokerage (transaction fees on placed policies), with no publicly disclosed pricing tiers; rates are negotiated individually through advisor relationships. Predictis is registered with ORIAS (number 07 001 325), supervised by the ACPR, claims to be the first French insurance broker to obtain ISO 9001 certification, and complies with SFDR 2019/2088 for distribution of Article 8 and Article 9 ESG-classified investment products. The company has cumulatively served 150,000+ clients across France, has discontinued direct real estate commercialization (now referred to affiliate Gridky within Groupe Premium), and operates a legacy support channel for former FWU Life Insurance policyholders following FWU's January 2025 judicial liquidation. Leadership comprises Olivier Farouz as President (via PREMIUM PARTNERS) and Emmanuel Bouriez as Directeur Général.

Name

Predictis

Legal name

PREDICTIS

Website

https://predictis.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

Predictis is a French insurance brokerage that distributes life insurance, PER retirement plans, prévoyance, and corporate treasury products through a network of 450+ independent wealth advisors to 150,000+ individual savers and professionals across France, as a subsidiary of Groupe Premium.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Wealth Advisory

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Insurance brokerage services
• Wealth advisory services
• Life insurance distribution
• Pension savings plans
• Personal insurance products

Headquarters

HQ city

Boulogne

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Predictis operates as an insurance broker (courtier) earning commissions from the distribution of insurance and savings products including life insurance, pension plans (PER), and other financial products through its network of independent advisors. The company is a subsidiary of Groupe Premium, the leading insurance broker in France.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Predictis is a French insurance broker that distributes and advises on savings, retirement, and personal-protection insurance products through a national network of 450+ independent wealth advisors. Its core offerings include exclusive life insurance contracts (Objectif Épargne), PER pension savings plans (Galya Retraite Individuelle, Perfutura Premium), prévoyance and Madelin contracts, loan insurance, real estate investment advisory, and corporate treasury/capitalization solutions, supported by a digital simulator and a 4-step personalized advisory methodology.

Product overview

Predictis is a financial advisory and insurance brokerage platform operating as part of Groupe Premium (1st French savings broker since 2015), offering a comprehensive suite of wealth management and insurance products through a network of 450 independent wealth advisors across France. The core product portfolio centers on life insurance (assurance-vie) contracts, notably the exclusive 'Objectif Épargne' product, and retirement savings plans (PER) including 'Galya Retraite Individuelle' and 'Perfutra Premium'. Additional offerings include providence/protection insurance (prévoyance), real estate investment advisory, tax optimization strategies, corporate treasury management, and loan insurance. The platform provides personalized wealth assessments and ongoing advisory services to help clients optimize their financial strategy across savings, retirement, estate planning, and property investment.

Differentiator

Problem solved

Functional benefit

Brands

• Objectif Épargne: Exclusive life insurance contract offered by Predictis, recognized in the Top 12 by Mieux Vivre Votre Argent in 2024.
• Galya Retraite Individuelle
• Perfutura Premium

Products and services

• Assurance-vie Objectif Épargne Exclusive life insurance contract offered by Predictis, selected among over 350 contracts and featured in Mieux Vivre Votre Argent's Top 12 for its broad unit-linked fund range, controlled fees, and ease of use; targeted at French individual savers building a savings strategy.
• Plan Épargne Retraite (PER) — Galya Retraite Individuelle and Perfutura Premium Exclusive retirement savings plans (Plan d'Épargne Retraite) offered to French individuals preparing retirement; recognized for minimal entry fees and exceptional dynamic management performance.
• Prévoyance (Providence Insurance) Providence insurance coverage protecting individuals and their families against financial consequences of death, disability, or illness, including guaranteed resources, invalidity benefits, and survivor pensions.
• Contrats Madelin Prévoyance Providence contracts tailored for self-employed workers (Travailleurs Non Salariés) providing guaranteed income, invalidity coverage, death benefits, and education annuities, with tax-deductible contributions.
• Real Estate Investment Advisory (Immobilier) Real estate investment advisory including property search, financing negotiation through partner banks, and long-term portfolio management assistance; clients are now referred to affiliate Gridky for property investment execution.
• Défiscalisation (Tax Optimization Advisory) Tax optimization advisory including Pinel law investments, Censi-Bouvard, Denormandie, and LMNP status to reduce income tax burden through real estate and retirement-savings vehicles.
• Trésorerie d'entreprise (Corporate Treasury) and Contrats de Capitalisation Corporate treasury management services for professionals and businesses, including capitalization contracts to optimize business savings and cash management.
• Assurance-emprunteur (Loan Insurance) Loan insurance protecting borrowers against death, disability, and incapacity, typically required by banks for mortgage approvals.

Quantifiable outcome

• 4.3/5 average customer satisfaction rating based on 290 reviews
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Abeille AssurancescoreChannel Partner/ Reseller/ DistributorInsurance partner providing life insurance and savings products distributed through the Predictis advisor network. Logo displayed on Predictis website as a key partner. Clients can access Abeille Assurances contracts through Predictis advisory services.
• Swiss LifecoreChannel Partner/ Reseller/ DistributorSwiss Life is a major insurance partner offering pension and wealth management products distributed via Predictis network. Predictis offers Swiss Life contracts with dedicated client portal access at myswisslife.fr.
• AG2R La MondialecoreChannel Partner/ Reseller/ DistributorInsurance partner specializing in pension, health, and savings solutions. AG2R La Mondiale products are distributed through the Predictis advisor network with dedicated client portal access.
• Groupama Gan ViecoreChannel Partner/ Reseller/ DistributorGroupama is a key insurance partner providing life insurance and savings products distributed through Predictis. Clients access Groupama contracts through Predictis advisory services with dedicated portal authentication.
• HumaniscoreChannel Partner/ Reseller/ DistributorInsurance partner (formerly AURIA, ETIKA, GROUPE SEFI) offering pension and savings products. Humanis capitalization contracts are available through Predictis.
• AFI ESCAcoreChannel Partner/ Reseller/ DistributorInsurance partner specializing in savings and retirement products distributed through the Predictis network. SEPA direct debit mandates available for AFI ESCA contracts.
• GridkyminorOthersGridky, a company belonging to the same Groupe (Groupe Premium) as Predictis, specializes in real estate investment solutions. While Predictis no longer commercializes real estate solutions directly, clients are referred to Gridky for property investment services.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Capfinances: Capfinances is a fellow French wealth advisory broker and sister brand within Groupe Premium, distributing the same family of assurance-vie and PER products via its own independent advisor network. It is the most directly comparable peer, sharing parent ownership, distribution model, and carrier partnerships.
• Cyrus Conseil: Cyrus Conseil is a French independent wealth management firm providing personalized advisory on assurance-vie, PER, real estate, and tax optimization through a network of in-house advisors. It is a direct competitor in the independent wealth advisory brokerage segment targeting French households and professionals.
• Meilleurtaux: Meilleurtaux is a French insurance and credit brokerage platform distributing assurance-vie, PER, and loan insurance products alongside its core mortgage brokerage business. It overlaps with Predictis on insurance brokerage distribution and shares the multi-carrier, advisor-assisted advisory model.

Broad incumbents

• Primonial: Primonial is one of the largest independent French wealth management groups, offering assurance-vie, PER, real estate, and asset management solutions via its own advisor network. It overlaps directly with Predictis on life insurance brokerage and retirement advisory but operates at larger scale and broader product depth.
• Boursorama Banque: Boursorama is France's largest online bank and broker, owned by Société Générale, offering direct assurance-vie and PER contracts at low fees. It represents the direct-to-consumer disintermediation threat to advisor-led brokers like Predictis, particularly for younger digitally-native clients.

Emerging players

• Harvest: Harvest is a French fintech providing wealth advisory software and digital tools to independent wealth advisors (CGP) and insurance brokers. It serves the same advisor ecosystem that Predictis operates in, making it a partial competitor and an enabling technology partner to similar networks.
• Kardinal: Kardinal is a French software platform that enables independent wealth advisors to manage assurance-vie, PER, and real estate products from multiple carriers in a unified workflow. It targets the same CGP network as Predictis and competes for the productivity layer that supports advisor-led brokerage.
• Nalo: Nalo is a French robo-advisor and online wealth management platform offering automated life insurance and retirement savings portfolios. It is an emerging digital-native alternative competing for the same French individual saver segment that Predictis addresses via its advisor network.

Others

• SwissLife Assurance et Patrimoine: SwissLife is one of Predictis's core carrier partners but also offers its own assurance-vie, PER, and prévoyance products via its proprietary advisor network. It represents both a partnership and an indirect distribution competitor with overlapping product offerings.
• AG2R La Mondiale: AG2R La Mondiale is a major French insurance group (Predictis carrier partner) distributing life insurance, retirement, and prévoyance products through its own distribution channels. It is an ecosystem participant and partial competitor in the same product categories that Predictis brokers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfr-fr.facebook.com/Predictis
• LinkedInlinkedin.com/company/bepredictis
• Instagraminstagram.com/be_predictis/?hl=fr
• Xx.com/be_predictis

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Predictis