Suravenir

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.

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

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

• Life insurance
• Retirement savings
• Borrower insurance
• Provident insurance
• Capitalization contracts

Headquarters

HQ city

Brest

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Retirement products (PER): Individual retirement savings plans (PERIN) generating recurring management fees from accumulated savings and ongoing contributions
3. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core 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

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

17 partnerships are on record, tiered major, core, new, strategic and minor.

• APRILmajorChannel Partner/ Reseller/ Distributor · 14 October 2025Leading online insurance broker partnered to launch APRIL PERin Avenir retirement product, expanding Suravenir's reach in the online brokerage segment.
• Arkéa Banque PrivéecoreChannel Partner/ Reseller/ Distributor · 26 June 2025Private banking arm of Crédit Mutuel Arkéa launched 3 multi-compartment life insurance and capitalization contracts with innovative features developed with Suravenir.
• YomonicoreChannel Partner/ Reseller/ Distributor · 14 May 2025Yomoni, 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.
• SapiansnewChannel Partner/ Reseller/ Distributor · 26 March 2025100% digital multi family-office partnered to launch Focus Vie, a premium life insurance product for entrepreneurs and executives.
• FortuneocoreChannel Partner/ Reseller/ Distributor · 6 February 2025Online banking platform launched Fortuneo PER retirement product managed by Suravenir, adding to their range of internet-distributed insurance products.
• EpargnissimomajorChannel Partner/ Reseller/ Distributor · 8 January 2025Online savings broker partnered with Suravenir to launch an arbitrage mandate for the Croissance Avenir insurance contract, advised by Lazard Frères Gestion.
• Lazard Frères GestionmajorStrategic or Co-development Partner · 8 January 2025Prestigious 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)strategicOthers · 24 September 2024Private equity firm integrated FCPR Elevation Miriad Vie into Suravenir's Tremplin range of non-listed investment funds for real economy investments.
• MeilleurtauxcoreChannel Partner/ Reseller/ Distributor · 14 March 2024Leading 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 RemajorStrategic or Co-development Partner · 14 March 2024Global reinsurance company partnered with Meilleurtaux and Suravenir to develop and support the Emprunteur Plus borrower insurance product.
• LinxeacoreChannel Partner/ Reseller/ DistributorMajor online savings platform distributing Suravenir insurance products including Linxea Avenir contracts.
• PrimonialmajorChannel Partner/ Reseller/ DistributorWealth management company distributing Suravenir products including Patrima+ and Sérénipierre contracts.
• PréfonmajorChannel Partner/ Reseller/ DistributorFrench civil service employee savings provider distributes Préfon-Vie Responsable contract underwritten by Suravenir.
• FinancominorChannel Partner/ Reseller/ DistributorConsumer credit specialist distributing Suravenir insurance products as part of financing packages.
• Crédit Mutuel de BretagnecoreChannel Partner/ Reseller/ DistributorRegional banking mutual distributing Suravenir insurance products through its branch network in Brittany.
• Crédit Mutuel Massif CentralcoreChannel Partner/ Reseller/ DistributorRegional banking mutual distributing Suravenir insurance products through its branch network in Massif Central region.
• Crédit Mutuel Sud-OuestcoreChannel Partner/ Reseller/ DistributorRegional banking mutual distributing Suravenir insurance products through its branch network in Southwest France.

Scale indicators10 records

Recent moves14 records

Expansion highlights6 records

Broad 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

• Instagraminstagram.com/life.at.suravenir
• Xx.com/suravenir

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

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 Suravenir