Assurances Courtages et Services

What Assurances Courtages et Services does

Assurances Courtages et Services (ACS) is a privately held French wholesale insurance broker (courtier grossiste) founded in 1979 by Didier Da Rin and headquartered at 153 rue de l'Université, 75007 Paris. The company specializes in international mobility insurance, designing and managing its own insurance contracts underwritten by Allianz, AXA, MGEN, and the CFE, with a 50-person multicultural team that serves more than 200,000 clients annually across five continents. Its product portfolio is organized into four lines: (1) travel insurance (Globe Traveller, Globe Partner, Globe PVT/WHV, Europax Schengen, France Long Stay Cover, group travel), (2) expatriate health insurance (ACS Expat, ACS Expat CFE, ACS Expat Senior, USA-compliant ACA coverage), (3) professional/corporate insurance (ACS Missions, ACS Expat Groupes, ACS Expat TPE/PME, ACS Holder for diplomats and international civil servants), and (4) student insurance (ARE, Eco Plus CEAM, housing).

ACS operates as a commission-based broker, earning fees on premiums ceded to its carrier partners rather than bearing underwriting risk itself. It distributes through three channels: direct enterprise sales at the Paris headquarters, self-serve online subscription on acs-ami.com and assistance-etudiants.com, and a global network of locally authorized brokers. The firm is supervised by the ACPR and registered with ORIAS under number 07 000 350. Its technology footprint is light: no proprietary platform, no public API, payment processing via PayPal and Carte Bancaire, and a bundled VPN partnership with Windscribe. Strategic M&A has shaped the portfolio, including the 2002 acquisition of Cabinet Holder (diplomats) and the 2020 acquisition of FAC International (repatriation assistance); SARL Assistance Etudiants holds more than 10% of share capital.

Name

Assurances Courtages et Services

Legal name

Assurances Courtages et Services (ACS)

Website

https://acs-ami.com

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

Assurances Courtages et Services (ACS) is a Paris-based French wholesale insurance broker founded in 1979 that designs and distributes international mobility insurance — travel, expatriate health, student, and corporate/diplomat coverage — for 200,000+ clients annually across five continents, earning commissions from carriers such as Allianz, AXA, and MGEN.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: ACS operates as a wholesale insurance broker (courtier grossiste), designing and managing insurance contracts for travel, expatriation, and international mobility. Revenue is generated through commissions from insurance companies (Allianz, AXA, MGEN, CFE) on subscribed policies. Contracts are available as individual policies or group/corporate packages.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Assurances Courtages et Services (ACS) is a wholesale insurance broker (courtier grossiste) that designs, distributes, and manages international mobility insurance contracts. The company offers travel insurance, expatriate health insurance, student insurance, and group/corporate insurance products backed by underwriters such as Allianz, AXA, MGEN, and CFE, serving travelers, expatriates, students, diplomats, and corporate clients worldwide.

Product overview

ACS (Assurances Courtages et Services) is a wholesale insurance broker specializing in international mobility insurance since 1979. The company offers a comprehensive portfolio of insurance products organized into several core categories: (1) Travel Insurance products including Globe Traveller, Globe Partner, Globe PVT/PVT Light, Europax, France Long Stay Cover, and Group Travel Insurance; (2) Expatriation Insurance including ACS Expat, ACS Expat CFE, ACS Expat Senior, and Assurance Expatriés USA; (3) Professional Insurance including ACS Missions, ACS Expat Groupes, ACS Expat TPE/PME, and ACS Holder for diplomats; (4) Student Insurance including ARE, Eco Plus CEAM, and Housing Insurance; and (5) repatriation services through FAC International (acquired in 2020). The products range from short-term travel coverage to long-term expatriate health insurance, with contracts available in euros and dollars. ACS also provides bundled VPN benefits with certain products through a partnership with Windscribe.

Differentiator

Problem solved

Functional benefit

Brands

• Assistance Etudiants: Conçoit et gère des contrats d'assurance pour le compte des étudiants français et étrangers
• AMI

Products and services

• Globe Traveller Multi-risk customizable travel insurance for international travel, providing comprehensive coverage and peace of mind for travelers worldwide.
• Globe Partner Complete and affordable travel insurance valid worldwide with comprehensive coverage and excellent value for money.
• Globe PVT Travel insurance designed for Working Holiday Visa (PVT/WHV) holders, providing coverage for the entire experience.
• Globe PVT Light Basic coverage for Working Holiday stays excluding Canada, offering essential protection at the best price.
• Europax Travel insurance for stays in the Schengen area, valid for Schengen visa applications and accommodation attestation in France.
• France Long Stay Cover (FLSC) Insurance for foreign nationals residing in France for up to 12 months.
• Group Travel Insurance Tailor-made insurance solutions with preferential rates for groups of 10 or more people traveling together.
• ACS Expat International health insurance for expatriates worldwide with comprehensive coverage and customizable benefits. Contracts available in euros and dollars.
• ACS Expat CFE International health insurance for French expatriates affiliated with CFE (Caisse des Français de l'Étranger) with comprehensive coverage and customizable benefits.
• Assurance Expatriés USA Health insurance for expatriates in the USA compliant with the requirements of the Affordable Care Act (Obama Care).
• ACS Expat Senior Health insurance for retired expatriates over 60 years old worldwide, offering lifetime coverage with no age limit.
• ACS Missions Insurance covering employees on business trips abroad for professional travel needs.
• ACS Expat Groupes Expatriate insurance for companies to safely send employees abroad. Tailor-made solutions for workforce international assignments.
• ACS Expat TPE/PME Insurance protecting small and medium business employees who work abroad.
• ACS Holder Comprehensive insurance designed for Diplomats and International Civil Servants, including health, auto, and housing coverage.
• ARE (Assurance Rapatriement et RC Etudiant) Repatriation and civil liability insurance for foreign students in France.
• Eco Plus CEAM Student insurance complementing the European Health Insurance Card (CEAM) for study stays in Switzerland.
• Assurance Habitation Etudiant Housing insurance for French or foreign students living in France.
• FAC International Expert in repatriation of bodies for impatriates in France, acquired by ACS in 2020 to expand international services.

Quantifiable outcome

• 200,000+ persons insured annually across 5 continents

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• AllianzcoreTechnology or IntegrationAllianz is one of the principal international insurance groups backing ACS's insurance programs. With 147,000 employees worldwide serving 100 million clients in over 70 countries, Allianz provides the underwriting capacity for ACS's international mobility insurance products.
• AXAcoreTechnology or IntegrationAXA, the leading global insurance brand with over 166,000 collaborators worldwide, is a key insurance partner for ACS. AXA backs ACS's insurance solutions as one of the primary underwriters.
• MGEN (Mutuelle Générale de l'Education Nationale)coreTechnology or IntegrationPart of the Groupe VYV, MGEN covers more than 10 million people and has nearly 40,000 employees. MGEN is a recognized partner providing insurance backing for ACS programs, particularly relevant for education-sector clients.
• CFE (Caisse des Français de l'Etranger)coreStrategic or Co-development PartnerACS offers a specific product (ACS Expat CFE) designed for French expatriates who are members of CFE. CFE is France's social security scheme for French nationals living abroad, and ACS provides complementary international health insurance that works alongside CFE coverage.
• FAC InternationalcoreStrategic or Co-development PartnerACS acquired FAC International in 2020. FAC International is an expert in body repatriation assistance for impatriates in France (people returning to France from abroad). This acquisition enriches ACS's international portfolio with complementary repatriation services.
• HoldercoreStrategic or Co-development PartnerIn 2002, ACS acquired cabinet Holder, specialized in insurance for diplomats and international civil servants. Holder continues as a dedicated ACS department managing diplomatic clientele with tailored health, auto, and housing insurance solutions.
• WindscribeminorGTM or Marketing PartnerWindscribe, a Canadian VPN company, is partnered with ACS to offer Globe Traveller policyholders free VPN access with up to 20GB of data per month. This exclusive joint offering provides cybersecurity protection for travelers as part of the Globe Traveller insurance package.
• SARL ASSISTANCE ETUDIANTScoreOthersSARL ASSISTANCE ETUDIANTS holds more than 10% of ACS's share capital. Assistance Etudiants operates the assistance-etudiants.com website and designs and manages insurance contracts for French and foreign students, forming the student insurance division of ACS.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Allianz Care (Allianz Partners): Global division of Allianz offering international health and travel insurance, including expat health plans. Operates broader, larger-scale programs but overlaps directly with ACS Expat/Expat USA in product scope and customer base.
• AXA Global Healthcare: AXA's international health insurance arm providing individual and corporate expat coverage. Comparable products to ACS Expat and ACS Expat Groupes, and a key underwriting partner of ACS.
• Cigna Global Health: Major international private medical insurer serving expatriates and globally mobile individuals. Direct overlap with ACS Expat in target customer and product structure.
• Assur-Travel / Mondial Assistance (Allianz Partners): Large assistance-focused provider (Allianz Partners) offering travel insurance and assistance services globally. Overlaps with ACS's repatriation, assistance, and travel product suite at much larger scale.

Direct peers

• Chapka Assurances: French online insurance broker (courtier) specializing in travel and expatriate insurance, with a similar digital-direct GTM and overlapping product set (Globe PVT-style coverage). Closest pure-play competitor in the French travel/expat niche.
• April International: French-headquartered specialist in international health, travel, and expat insurance, operating a comparable broker-distribution model with similar visa-driven product lines. Direct competitor in the francophone expat/travel segment.
• World Nomads: Travel insurance provider focused on independent and adventure travelers worldwide. Comparable in targeting international leisure travelers and offering online subscription, but with broader geographic brand awareness.
• IMG Global (International Medical Group): US-based specialty insurer offering travel, international student, and expatriate medical insurance. Overlaps with ACS's Globe Traveller, student ARE, and ACS Expat product lines in customer and use case.

Emerging players

• SafetyWing: Insurtech focused on travel and remote-worker health insurance with a digital-first, subscription model. Represents the emerging digital-native threat to traditional brokers like ACS in the nomad/expat segment.

Others

• Aon (International Solutions): Global insurance broker and risk advisor serving corporate clients with international assignment and expat benefits programs. Comparable in addressing the corporate expat segment (ACS Expat Groupes) but at far larger enterprise scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/acs_assurances
• Facebookfacebook.com/acs.assurances
• LinkedInfr.linkedin.com/company/acs-assurances-voyage-&-expatriation
• Instagraminstagram.com/acsassurances
• TikToktiktok.com/@acs.assurances

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 Assurances Courtages et Services