Assurea

What Assurea does

Assuréa is a French wholesale insurance broker (courtier grossiste) founded in 2003 by Agnès and Hervé Brasseur and headquartered in Meyreuil, near Aix-en-Provence. The company operates as an intermediary between insurance carriers and independent insurance brokers, distributing a portfolio of approximately 31 insurance products sourced from 13+ carrier partners across four lines: borrower insurance (assurance emprunteur), health insurance, auto insurance, and home/multirisque habitation (MRH), plus a complementary unemployment product. Assuréa is registered with ORIAS (n°11063471) and operates under ACPR prudential supervision, with all borrower contracts compliant with CCSF equivalence criteria.

The platform is built around an "Espace Partenaire" partner portal that provides independent brokers with quote generation (tarificateur), online subscription workflows, client tracking, resignation/substitution support tools, and a comparator across carrier offerings. Underlying services include a dedicated substitution support team ("Pôle Accompagnement à la Substitution"), a "Le Coupe-Circuit" pathway for files qualifying for zero medical underwriting, and integration with Multi-Impact, a third-party management center handling policy administration, collections, claims, and commission settlement with sub-one-minute response times. Technology emphasis is on ease-of-use and digital workflow acceleration rather than algorithmic differentiation.

Assuréa earns transaction-based commission income from insurance carriers for policies placed through its network of 2,300+ active broker partners, and reported 230,000+ policyholders in portfolio and 40,000+ contracts originated in 2024. The company is led by CEO Micheline Daijardin and Deputy CEO Nicolas Koran, with an inside sales team of 11 specialists at headquarters and regional directors covering France. The firm is privately held with no external investors, no disclosed funding history, and operates exclusively within the French market.

Name

Assurea

Legal name

Assurea Distribution SAS

Website

https://assurea.fr

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

51–100 employees

Short description

Assuréa is a French wholesale insurance broker distributing 31 insurance products from 13+ carriers to a network of 2,300+ independent brokers across France, earning transaction-based commissions on borrower, health, auto, home, and unemployment policies originated through its partner portal.

Ownership category

akta.pro rank

Product category

Insurance Brokerage / Wholesale Insurance Distribution

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Wholesale insurance brokerage
• Borrower insurance distribution
• Broker partner network
• Insurance product portfolio
• Delegated policy administration

Headquarters

HQ city

Meyreuil

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Broker Commissions: As a wholesale broker (courtier grossiste), Assuréa earns commissions from insurance companies when brokers place insurance business through their platform. The company matches insurance companies seeking distribution with independent brokers, earning commission income per policy placed.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

Assuréa is a French wholesale insurance broker (courtier grossiste) that aggregates borrower, health, auto, home, and unemployment insurance products from 13 partner insurance companies and distributes them to a network of more than 2,300 independent insurance brokers across France. It supports those partner brokers with a digital platform (Espace Partenaire) including a real-time quote generator, 100% digital subscription flow, client portal, and tools for managing contract substitutions under Hamon/Bourquin laws. Managed services (Multi-Impact), training programs, and a partner loyalty club (Assuréa Le Club) round out the offer, with revenue derived from insurance carrier commissions on placed business.

Product overview

Assuréa is a wholesale broker platform offering a portfolio of insurance products across four main lines: borrower insurance (Assurance Emprunteur), health insurance (Assurance Santé), auto insurance (Assurance Auto), and home insurance (MRH). The platform is built around a partner portal (Espace Partenaire) for daily dossier management and integrates with Multi-Impact as its primary policy administrator. Core insurance products are distributed through partner brokers, while add-on services include digital subscription tools (Adhésion en Ligne, Tarificateur, Espace Client), cancellation support (Pack Résiliation, Gestion Déléguée), risk management solutions (Solutions Alternatives, Le Coupe-Circuit), and a loyalty program (Assuréa Le Club). Training services and monthly webinars round out the partner enablement offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Emprunteur (Borrower Insurance) Borrower insurance line offering 10+ complementary products with constant or decreasing premiums, built with seven partner insurance companies. All contracts meet CCSF equivalence criteria and are intended to be placed by independent partner brokers for clients taking out mortgage or consumer loans.
• Assurance Santé (Health Insurance)

Quantifiable outcome

• 230K+ policyholders served
• +3 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

14 partnerships are on record, tiered core.

• ACHEELcoreChannel Partner/ Reseller/ DistributorAcheel is a French neo-insurance launched in 2020, offering 100% digital home, health, and borrower insurance. Known for simplicity, speed, and customizability with competitive contracts, no commitment, and transparent user experience.
• ALLIANZcoreChannel Partner/ Reseller/ DistributorGlobal insurance and financial services leader present in 70+ countries, offering wide range of products in auto, home, health, life, and savings for individuals and businesses.
• AXAcoreChannel Partner/ Reseller/ DistributorGlobal insurance brand based in Paris since 1985, serving 107 million clients in 64 countries. Offers person insurance including provident, health, retirement, wealth management, and savings products.
• CNPcoreChannel Partner/ Reseller/ DistributorParis-based life insurance specialist with 32 million insured clients and 14 million savers. €36B revenue, partnered with major French partners (La Banque Postale, Groupe BPCE), European (Banco Santander), and Brazilian (Caixa Economica Federal) partners.
• Gan EurocourtagecoreChannel Partner/ Reseller/ DistributorParis-based insurance company operating in 8 French regions since 1996, supporting broker partners in commercializing standard and customized insurance solutions. Two expert teams dedicated to retirement savings and international mobility.
• GeneralicoreChannel Partner/ Reseller/ DistributorFrench subsidiary of Italian insurance group founded in 1831. Group present in 50 countries with €70.7B revenue in 2020.
• Harmonie MutuellecoreChannel Partner/ Reseller/ DistributorBuilding innovative health and social protection model with Groupe VYV, protecting over 5 million people. Leading mutual health insurer addressing societal changes.
• MAIF VIEcoreChannel Partner/ Reseller/ DistributorLife insurance subsidiary of MAIF group, specializing in savings, retirement savings, and provident insurance. Mission to provide adapted solutions for members in person insurance. First life insurance company to become a mission-driven company (Société à Mission) since July 1, 2021.
• Malakoff HumaniscoreChannel Partner/ Reseller/ DistributorParitarian and mutualist social protection group with non-profit purpose, created January 1, 2019 from merger of Malakoff Médéric and Humanis groups.
• MNCAPcoreChannel Partner/ Reseller/ DistributorOnly independent mutual group specializing in loan insurance. Protective, custom, and renewed through constant innovation effort. Solutions available through wide partner network.
• Société Générale AssurancescoreChannel Partner/ Reseller/ DistributorAt heart of Société Générale group development strategy in synergy with retail banking, private banking, and financial services. Present in France with Sogécap, Antarius, Sogessur, and Oradéa Vie, and in 6 international countries. Complete range of life insurance, retirement savings, and protection products for individuals, professionals, and businesses.
• SuravenircoreChannel Partner/ Reseller/ DistributorSubsidiary of Crédit Mutuel Arkéa, specialized in life insurance, provident, and retirement. 30 years of experience offering performant and flexible solutions for individuals and professionals. Rigorous management and responsible investments guarantee security and transparency.
• SwissLifecoreChannel Partner/ Reseller/ DistributorReference player in insurance and wealth management for nearly 160 years, with global approach in life insurance, private banking, financial management, health, provident, and property damage.
• Multi-Impact (Management Center)coreImplementation/ SI/ Consulting PartnerReference management center for borrower insurance, providing complete management from A to Z: before-sale (subscription, medical selection, contract issuance), after-sale (collections, unpaid management, amendments), claims management, and commission statement/payment. Includes business continuity plans, cyberattack defense, and average response time under 1 minute.

Scale indicators8 records

Direct peers

• Cegema: Cegema is a long-standing French wholesale insurance broker (courtier grossiste) distributing P&C, health, and life products to independent brokers, directly comparable to Assuréa's wholesale brokerage model and target market.
• Novélia Assurances: Novélia is a French wholesale insurance broker focused on borrower and personal lines distributed through independent brokers; its product mix and broker-channel model closely overlap with Assuréa.
• Magnolia (MagnoPrévoyance / assuranceemprunteur.fr): Magnolia is a French wholesale broker specializing in borrower insurance and protection products distributed through independent brokers, sharing Assuréa's core borrower-insurance focus and partner-broker GTM.
• BDM (Bureau Direct Marchands): BDM is a French wholesale insurance broker distributing multi-carrier products (including borrower insurance) to broker partners, sharing Assuréa's G2B2C wholesale distribution model.

Broad incumbents

• Allianz France: Allianz is a global insurer with a strong French retail presence and is one of Assuréa's carrier partners; comparable as a broad incumbent offering P&C, life, and health products through multiple distribution channels.
• AXA France: AXA is a leading French direct insurer and a core carrier partner of Assuréa; as a broad incumbent, it represents both upstream supplier and an alternative direct distribution channel potentially disintermediating wholesale brokers.
• Diot-Siaci: Diot-Siaci is a major French insurance and reinsurance broker with broad corporate and specialty offerings; comparable to Assuréa as a regulated French insurance intermediary, though larger and more corporate-focused.
• Verlingue: Verlingue is one of France's leading independent insurance brokers offering P&C, health, and benefits distribution to businesses; broader portfolio than Assuréa but overlapping broker-distribution dynamics and multi-line product offering.

Emerging players

• Luko: Luko is a digital-first French home insurance insurer that sells directly to consumers online; relevant as an emerging insurtech operating in Assuréa's home insurance (MRH) product category and exemplifying direct-to-consumer competition.
• Acheel: Acheel is a French neo-insurer launched in 2020 offering 100% digital home, health, and borrower insurance; also listed as a carrier partner of Assuréa. Its direct-to-consumer model represents both a partnership counterparty and a disintermediation threat to Assuréa's broker channel.

Market position

Strengths5 records

Weaknesses5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Assurea

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Assurea