Crédit Agricole Vita

What Crédit Agricole Vita does

Crédit Agricole Vita S.p.A. is an Italian life insurance company founded in 1995 and operating as a wholly-owned subsidiary (Società Unipersonale) of Crédit Agricole Assurances S.A., itself part of the Crédit Agricole Group. The company is headquartered in Parma (legal seat) with administrative operations in Milan, employs 101-250 people, and serves exclusively the Italian market. Its product portfolio comprises 11 investment-linked insurance policies, 2 protection products, and 3 pension/previdenza products, built around two proprietary Separate Management funds (CA Vita Più and CA Vita Equilibrio) combined with Unit Linked compartments sourced from external asset managers including Amundi, JP Morgan, Eurizon, and Anima. Customer segments span HNWI (minimum premiums of €1M-€1.5M), individual investors and pre-retirees, families seeking protection coverage, and corporate employers purchasing CCNL-compliant group life policies.

The business operates on a bancassurance distribution model, selling exclusively through Crédit Agricole Italia's network of over 1,000 bank branches, with ancillary distribution via a partnership with Mediobanca for specific products. Revenue is generated through life insurance premiums, annual Separate Management retained yields (0.65%-1.35%), Unit Linked management fees (1.20%-2.30%), and surrender penalties (up to 2.50% in early contract years). Customer-facing technology includes an online Area Clienti portal and the App Assicurazioni Crédit Agricole (launched 2024), which requires SPID or CIE identity authentication and supports policy monitoring, additional payments, claims management, and surrender requests.

Distinctive product features include a Take Profit service that automatically transfers returns exceeding 5% from Unit Linked to Separate Management, a Percorso Guidato systematic rebalancing mechanism that shifts allocation from 80/20 to 50/50 over five years, and a Futuro Programmato option enabling rateized death-benefit payouts to beneficiaries. The company holds an "Eletto Prodotto dell'Anno 2025" award from Circana for its CA Vita Rendimento Sostenibile ESG-focused product and is integrated with Previnet for pension fund administration and Inter Partner Assistance for 24/7 medical and assistance services on protection products.

Name

Crédit Agricole Vita

Legal name

Crédit Agricole Vita S.p.A.

Website

https://ca-vita.it

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Crédit Agricole Vita is an Italian life insurance company and wholly-owned subsidiary of Crédit Agricole Assurances, offering investment, protection, and pension products distributed exclusively through Crédit Agricole Italia's bank branches to retail, affluent, HNWI, and corporate customers across Italy.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance and Employee Benefit Funds (5251)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

Keywords

• Life insurance products
• Investment-linked policies
• Pension fund products
• Bancassurance distribution
• Protection insurance coverage

Headquarters

HQ city

Milan

HQ country

Italy

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums: Collection of single and recurring premiums from life insurance policies including investment, protection, and pension products. Premiums are invested in Separate Management funds or Unit Linked funds based on product type.
2. Separate Management Fees: Annual fees retained from Separate Management fund returns ranging from 0.65% to 1.35% depending on the fund (CA Vita Più vs CA Vita Equilibrio) and product.
3. Unit Linked Management Fees: Ongoing management fees on Unit Linked funds ranging from 1.20% to 2.30% depending on the fund type and product line.
4. Surrender Charges and Penalties: Redemption penalties applied for early surrender before contract maturity, ranging from 0% to 2.50% depending on years elapsed.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Crédit Agricole Vita S.p.A. is an Italian life insurance company that designs, underwrites and distributes life insurance and pension products for individual and corporate clients. Its offering spans three product lines — investment (unit-linked and Separate Management/gestione separata policies), protection (term life, critical illness, long-term care, accident and disability cover) and pensions (open pension fund and individual retirement plans) — distributed primarily through the Crédit Agricole Italia bancassurance network and Mediobanca Premier and Private Banker channels.

Product overview

Crédit Agricole Vita is an Italian life insurance company offering a comprehensive portfolio of investment, protection, and pension products through the Crédit Agricole Banking Group Italy network. The product suite spans 11 investment insurance products (CA Vita Private Value, Dynamic Strategy HNWI Plus, CA Vita Gestione 2 Plus, Mediobanca Selezione Più, CA Vita Global Solution, Più Opportunità, CA Vita Rendimento Sostenibile, Garanzia Doppia Gestione, CA Vita MultiSmart, Private Dynamic Strategy, and Destinazione Domani), 2 protection products (Protezione Pensare Domani and CA Vita Insieme Più Protetti), and 3 pension products (Fondo Pensione Aperto, Pensione Più, and Progetto Previdenza). The offerings are built around two core Separate Management funds (Crédit Agricole Vita Più and Crédit Agricole Vita Equilibrio) combined with various Unit Linked compartments featuring multiple fund managers (JP Morgan, Amundi, Eurizon, Anima, Amundi). The company also provides a mobile app for policy management and access to pension administration portals through Previnet. Products are distributed exclusively through Crédit Agricole Italia bank branches and target retail, affluent, HNWI, and corporate segments with minimum investments ranging from €5,000 to €1.5 million.

Differentiator

Problem solved

Functional benefit

Products and services

• CA Vita Private Value Unit-linked life insurance policy targeting high-net-worth clients, offering a wide choice of internal funds including a dedicated Credit Agricole Vita strategy, sustainability options, Take Profit automatic rebalancing and the optional Progressive Benefit annuity. Minimum single premium of €50,000 or annual premiums from €5,000.
• Dynamic Strategy HNWI Plus
• CA Vita Gestione 2 Plus
• Mediobanca Selezione Più
• CA Vita Global Solution
• Più Opportunità
• CA Vita Rendimento Sostenibile
• Garanzia Doppia Gestione
• CA Vita MultiSmart
• Private Dynamic Strategy
• Destinazione Domani
• Protezione Pensare Domani
• CA Vita Insieme Più Protetti
• Fondo Pensione Aperto
• Pensione Più
• Progetto Previdenza

Quantifiable outcome

• Eletto Prodotto dell'Anno 2025 award for CA Vita Rendimento Sostenibile
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and major.

• INTER PARTNER ASSISTANCE S.A.coreStrategic or Co-development PartnerProvides 24/7 assistance services for Protezione Pensare Domani product including emergency medical assistance, policyholder support, and service coordination. Service includes medical examination booking through Inter Partner Assistance Services S.r.l.
• INTER PARTNER ASSISTANCE SERVICES S.R.L.coreStrategic or Co-development PartnerHandles medical examination booking services for Protezione Pensare Domani product. Provides network of affiliated healthcare facilities for policyholder medical assessments.
• MediobancamajorChannel Partner/ Reseller/ DistributorBancassurance partnership for distribution of Mediobanca Selezione Più insurance product. Mediobanca distributes the life insurance product through its banking network to clients seeking diversified investment solutions.
• AmundimajorTechnology or IntegrationProvides fund selection for CA Vita Global Solution product, including ESG-themed funds. Amundi supplies 'best selection' external funds integrated into the Unit Linked insurance product.
• JP MorganmajorTechnology or IntegrationFund manager for Destinazione Domani Multimanager compartment. Provides investment expertise for Unit Linked component of the life insurance product.
• AmundimajorTechnology or IntegrationFund manager for Destinazione Domani Multimanager compartment. Provides investment management for one of four internal funds in the product.
• EurizonmajorTechnology or IntegrationFund manager for Destinazione Domani Multimanager compartment. Provides investment management for one of four internal funds in the product.
• AnimamajorTechnology or IntegrationFund manager for Destinazione Domani Multimanager compartment. Provides investment management for one of four internal funds in the product.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mediolanum Vita: Italian life insurer of the Mediolanum banking group, distributing through a captive network of financial advisors with investment-linked and pension products — highly comparable hybrid bancassurance/wealth advisory model.
• Poste Vita: Italy's largest life insurer, also operating primarily through bancassurance (Poste Italiane network) with similar life, investment, and pension products. Directly comparable in distribution model, product mix, and target segments.
• Aviva Vita: Italian life insurance subsidiary of UK-based Aviva, distributing through Italian banking partners with investment-linked and pension products. Comparable scale and bancassurance-style distribution in Italy.
• Intesa Sanpaolo Vita: Life insurance subsidiary of Intesa Sanpaolo banking group, distributing through the parent bank's branches with investment-linked, protection, and pension products — directly comparable bancassurance model in Italy.
• CNP Vita Assicurazione: Italian subsidiary of France's CNP Assurances, distributing life insurance through multiple Italian banking partners with investment-linked and pension products — directly comparable bancassurance peer.
• AXA MPS Assicurazioni Vita: Joint venture between AXA and Monte dei Paschi di Siena distributing life insurance through MPS bank branches — directly comparable Italian bancassurance model with overlapping investment-linked and pension products.

Broad incumbents

• Zurich Investments Life: Italian life and investment arm of Zurich Insurance Group, offering unit-linked and multi-ramo products via financial advisors and bank partnerships — overlapping product set with broader global distribution.
• Generali Italia: Largest Italian insurance group with broad life, P&C, and asset management operations. Overlaps with CA Vita in life insurance and pension products but operates through agents and brokers in addition to bank channels, making it a broader competitor.
• UnipolSai Assicurazioni: Major Italian insurance group with significant life and P&C operations. Overlaps with CA Vita in life and pension products, distributed through agents and banking partnerships — broader incumbent with a wider product set.
• Allianz Life Italia: Italian life and P&C insurance arm of Allianz Group, offering investment-linked, protection, and pension products through a multi-channel network. Comparable product portfolio though distributed via agents and financial advisors rather than captive bank branches.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/credit-agricole-vita-assicurazioni

Revenue estimate

Valuation estimate

Number of profiles

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 Crédit Agricole Vita