Suravenir
Suravenir is a French life insurance, retirement savings, provident, and borrower insurance subsidiary of Crédit Mutuel Arkéa, serving nearly 3 million individual and professional clients through 45+ distribution partners including internet platforms, independent advisors via Vie Plus, and regional banking networks.
- Company typePrivate
- Founded1984
- HeadquartersBrest, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Suravenir does
Suravenir is a French personal insurance company founded in 1984 and headquartered in Brest, operating as a wholly-owned subsidiary of Crédit Mutuel Arkéa. The company designs, underwrites, and manages life insurance (assurance-vie), capitalization contracts, retirement savings plans (PER/PERIN), provident insurance (death, disability), and borrower insurance products, serving nearly 3 million individual and professional clients. Its core technology stack is an insurance and savings management platform handling multi-support life insurance contracts (combining euro funds and unit-linked investments), with a €25M+ investment deployed in 2025 to launch multi-compartment contracts that allow clients to manage multiple savings projects within a single policy. The company manages €58.2 billion in total assets under management as of December 31, 2025, with 12.3 billion in sustainable unit-linked assets (doubled in three years) and euro funds classified under SFDR Article 8 with ESG characteristics.
Suravenir operates a multi-channel distribution model built around three pillars: (i) internet and digital platforms including Yomoni, Linxea, Fortuneo, Altaprofits, Assurancevie.com, and Finorion; (ii) Vie Plus, a wholly-owned commercial subsidiary dedicated to independent financial advisors (CGPs); and (iii) Crédit Mutuel Arkéa's regional banking networks (Crédit Mutuel de Bretagne, Crédit Mutuel Massif Central, Crédit Mutuel Sud-Ouest) plus Arkéa Banque Privée for private banking clients. The company has approximately 45+ active distribution partners in total and reports earning recurring management fees on both euro-denominated funds and unit-linked investments, with revenue streams spanning life insurance management, retirement products (PERIN), and borrower insurance.
The business model is asset-gathering and fee-based: gross inflows reached a record €6.4 billion in 2025 (+19% YoY, more than double the +10% French market growth rate), with net inflows of €2.607 billion (+76% YoY). The company posted a €212.2 million net IFRS 17 result for 2025 and maintains a 216% solvency ratio, indicating substantial capital strength. Suravenir generates revenue via subscription/recurring management fees on AUM, premium-based income from borrower insurance (notably the Emprunteur Plus product co-developed with Meilleurtaux and Swiss Re), and partnership-driven distribution economics. The company is privately held, governed as a Société Anonyme with Management Board and Supervisory Board structure, and has no external equity funding or public listing.
Suravenir firmographics
Firmographics- Name
- Suravenir
- Legal name
- Suravenir – Société Anonyme à directoire et conseil de surveillance au capital entièrement libéré de 1 235 000 000 €
- Website
- https://suravenir.fr
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Suravenir is a French life insurance, retirement savings, provident, and borrower insurance subsidiary of Crédit Mutuel Arkéa, serving nearly 3 million individual and professional clients through 45+ distribution partners including internet platforms, independent advisors via Vie Plus, and regional banking networks.
- Ownership category
- akta.pro rank
Suravenir industry classification
Industry- Product category
- Life Insurance & Retirement Savings
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241)
- SIC
- Life Insurance (6311), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Variable Universal Life (VUL) Insurance (FSAIABAD)
- akta.pro secondary industry
- Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where Suravenir is headquartered
LocationHeadquarters
- HQ city
- Brest
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Suravenir business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Life insurance management: Suravenir generates revenue through managing life insurance contracts, with 58.2 billion euros in total assets under management as of December 2025. The company earns management fees on both euro-denominated funds and unit-linked investments.
- Retirement products (PER): Individual retirement savings plans (PERIN) generating recurring management fees from accumulated savings and ongoing contributions
- Borrower insurance: Premium borrower insurance contracts such as Emprunteur Plus, developed in partnership with Meilleurtaux and Swiss Re, covering mortgage, professional, and personal loans
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Life insurance contracts with multi-channel distribution |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
Suravenir product offering
Product offeringCore offering
Suravenir designs and manages life insurance (Assurance-Vie), capitalization, retirement savings (PER), provident insurance, and borrower insurance products for nearly 3 million individual and professional clients in France. The company operates through 45+ distribution partners including internet platforms, independent financial advisors via its Vie Plus subsidiary, and Crédit Mutuel Arkéa banking networks, with €58.2 billion in assets under management as of December 2025.
Product overview
Suravenir is a major French insurance company (subsidiary of Crédit Mutuel ARKEA) that designs and manages life insurance, capitalization, retirement savings, provident insurance, and borrower insurance products and services. The company serves nearly 3 million individual and professional clients. Its core offerings include Assurance-Vie (life insurance), Capitalisation, Retraite (retirement plans including Suravenir PER and PERtinence Retraite), Prévoyance, and Emprunteur insurance. Suravenir operates through multiple distribution channels including banking networks (Crédit Mutuel de Bretagne, Crédit Mutuel Massif Central, Crédit Mutuel Sud-Ouest), internet platforms (Yomoni, Fortuneo, Linxea), and independent wealth management advisors through its Vie Plus subsidiary. The company has recently innovated with multi-compartment contracts allowing multiple investment projects within a single policy, and offers euro-denominated funds with ESG characteristics (Suravenir Opportunités, Suravenir Rendement, Actif Général). Total assets under management exceeded €58.2 billion by end of 2025, with sustainable UC assets doubling to €12.3 billion in three years.
Differentiator
Problem solved
Functional benefit
Brands
- Suravenir PER: Individual Retirement Savings Plan (PERin) offered directly and through distributors
- PERtinence Retraite
- Emprunteur Plus
- Suravenir Décode
- Suravenir Opportunités
- Suravenir Rendement
Products and services
- Assurance-Vie (Life Insurance) Life insurance contracts for individuals and professionals seeking to build capital for projects or transmission, combining euro funds and unit-linked investments.
- Capitalisation Contracts
Quantifiable outcome
- Record gross inflows of 6.4 billion euros in 2025 (+19% vs 2024), nearly 2x market growth rate
- +3 more outcomes
Companies that use Suravenir
Customer profileNamed customers7 records
Segments5 records
Ideal customer profiles4 records
Suravenir technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Suravenir partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered major, core, new, strategic and minor.
- APRILmajorLeading online insurance broker partnered to launch APRIL PERin Avenir retirement product, expanding Suravenir's reach in the online brokerage segment.
- Arkéa Banque PrivéecorePrivate banking arm of Crédit Mutuel Arkéa launched 3 multi-compartment life insurance and capitalization contracts with innovative features developed with Suravenir.
- YomonicoreYomoni, leader in online savings management in France, distributes Suravenir's Yomoni Vie insurance contract. Partnership since 2015, surpassing 1 billion euros in assets under management collected through this channel.
- Sapiansnew100% digital multi family-office partnered to launch Focus Vie, a premium life insurance product for entrepreneurs and executives.
- FortuneocoreOnline banking platform launched Fortuneo PER retirement product managed by Suravenir, adding to their range of internet-distributed insurance products.
- EpargnissimomajorOnline savings broker partnered with Suravenir to launch an arbitrage mandate for the Croissance Avenir insurance contract, advised by Lazard Frères Gestion.
- Lazard Frères GestionmajorPrestigious asset management company provides advisory for the arbitrage mandate launched with Suravenir and Epargnissimo, managing 41 billion euros in assets as of June 2024.
- Elevation Capital Partners (Inter Invest)strategicPrivate equity firm integrated FCPR Elevation Miriad Vie into Suravenir's Tremplin range of non-listed investment funds for real economy investments.
- MeilleurtauxcoreLeading broker in individual borrower insurance market partnered with Suravenir and Swiss Re to launch Emprunteur Plus, a premium insurance product covering mortgage, professional, and personal loans.
- Swiss RemajorGlobal reinsurance company partnered with Meilleurtaux and Suravenir to develop and support the Emprunteur Plus borrower insurance product.
- LinxeacoreMajor online savings platform distributing Suravenir insurance products including Linxea Avenir contracts.
- PrimonialmajorWealth management company distributing Suravenir products including Patrima+ and Sérénipierre contracts.
- PréfonmajorFrench civil service employee savings provider distributes Préfon-Vie Responsable contract underwritten by Suravenir.
- FinancominorConsumer credit specialist distributing Suravenir insurance products as part of financing packages.
- Crédit Mutuel de BretagnecoreRegional banking mutual distributing Suravenir insurance products through its branch network in Brittany.
- Crédit Mutuel Massif CentralcoreRegional banking mutual distributing Suravenir insurance products through its branch network in Massif Central region.
- Crédit Mutuel Sud-OuestcoreRegional banking mutual distributing Suravenir insurance products through its branch network in Southwest France.
Scale indicators10 records
Recent moves14 records
Expansion highlights6 records
Suravenir competitors and assessment
Company assessmentBroad incumbents
- AXA France: French life, health, and P&C insurance subsidiary of AXA Group, with overlapping life insurance and retirement savings offerings. While broader than Suravenir in product scope, it competes directly for the same French customer segments and through comparable bancassurance and advisor channels.
- Generali France: French arm of Generali Group, providing life, health, and P&C insurance with strong CGP distribution. Comparable in advisor-channel distribution model and life insurance product suite, though broader in overall product scope.
- Allianz France: French subsidiary of Allianz SE, offering life insurance and retirement products with multi-channel distribution (advisors, brokers, bancassurance partnerships). Highly comparable in product offerings and partner-led distribution approach.
- Crédit Agricole Assurances: Insurance arm of Crédit Agricole Group, offering life, retirement, and protection products distributed through the Crédit Agricole regional bank network. Highly comparable in business model, but with significantly larger scale and broader regional distribution than Suravenir.
- Société Générale Insurance: Life and protection insurance subsidiary of Société Générale, distributing through Sociéte Générale retail banking. Comparable in bancassurance structure, French market focus, and life insurance product emphasis, though smaller in standalone AUM than Suravenir.
Direct peers
- BNP Paribas Cardif: Insurance arm of BNP Paribas, providing life insurance and protection products distributed primarily through BNP Paribas banking networks. Directly comparable partner-led bancassurance model and similar product focus on life insurance, capitalization, and creditor insurance.
- SwissLife France: French subsidiary of SwissLife Holding, specializing in life insurance, retirement, and wealth management products. Closely comparable product mix including multi-support life contracts, retirement savings, and wealth advisory distribution through independent financial advisors.
- CNP Assurances: France's largest personal insurance provider, with deep life insurance, retirement, and protection product overlap with Suravenir. CNP is the dominant partner of La Banque Postale and Caisse d'Épargne networks, making it the most direct comparable in scale, product mix, and bancassurance distribution model.
- Primonial: French wealth management company offering life insurance, retirement, and real estate investment solutions through CGP networks. Directly comparable as a distribution partner and competitor in the CGP / wealth advisor channel, with overlapping product structure.
Emerging players
- Aéma Groupe (Macif / Matmut): French mutual insurance group formed through Macif/Matmut combination, offering life insurance, savings, and protection products with mutual distribution roots. Comparable in mutual governance and French-market focus, though with a more mass-market and member-driven distribution approach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Suravenir social profiles
Digital presenceSuravenir financial estimates
Financial estimateRevenue estimate
Valuation estimate
Suravenir leadership team
Management profileNumber of profiles
Profiles5 records
Suravenir subsidiaries and ownership
Company hierarchySubsidiaries1 record
Suravenir funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Suravenir 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 Suravenir
What does Suravenir do?
Suravenir designs and manages life insurance (Assurance-Vie), capitalization, retirement savings (PER), provident insurance, and borrower insurance products for nearly 3 million individual and professional clients in France. The company operates through 45+ distribution partners including internet platforms, independent financial advisors via its Vie Plus subsidiary, and Crédit Mutuel Arkéa banking networks, with €58.2 billion in assets under management as of December 2025.
Is Suravenir a public or private company?
Suravenir is a private company. It is classified as corporate owned and is currently operating.
When was Suravenir founded?
Suravenir was founded in 1984. It employs 101 to 250 people.
Where is Suravenir based?
Suravenir is headquartered in Brest, France, in the Europe region.
How does Suravenir make money?
Three revenue lines are on record. Life insurance management is the primary driver. The others are retirement products (PER) and borrower insurance.
Who are Suravenir's main competitors?
Broad incumbents on record are AXA France, Generali France, Allianz France, Crédit Agricole Assurances and Société Générale Insurance. Direct peers are BNP Paribas Cardif, SwissLife France, CNP Assurances and Primonial. Aéma Groupe (Macif / Matmut) is listed as an emerging player.
Does Suravenir have an API?
No public API is recorded for Suravenir.
What industry is Suravenir in?
Suravenir's product category is Life Insurance & Retirement Savings. Its primary akta.pro industry code is FSAIABAD, Variable Universal Life (VUL) Insurance, with a secondary code of FSAEABAD, Retirement Income Planning & Decumulation Advisory. Its NAICS code is 52411 and its SIC code is 6311.