CAVAMAC

What CAVAMAC does

CAVAMAC (Caisse d'Allocation Vieillesse des Agents Généraux d'Assurance) is a French social security institution under private law that performs public service missions in the management of retirement, complementary pension, and invalidity-death insurance for general insurance agents (agents généraux d'assurance). Founded in 1948 and headquartered at 30 Rue Olivier Noyer in Paris, it operates as one of ten professional sections of the CNAVPL and is governed by an 18-member Board of Directors elected for six-year terms by active and retired agents, with a contributors' college of 15 members and a beneficiaries' college of 3 members. The organization is supervised by public authorities including the Cour des Comptes, Igas, the Direction de la sécurité sociale, and the Mission nationale de contrôle.

CAVAMAC administers three regimes for its constituency. The base retirement regime (RBL) is delegated by CNAVPL and managed by CAVAMAC through contribution collection and pension liquidation. The complementary retirement regime (RCO) is a point-based, commission-assessed system piloted by the Board under government supervision, with co-contributions from insurance companies and a sustainability rule requiring at least 40 years of reserves. The Invalidity-Death regime (RID) provides total or partial disability pensions, death capital at 50% of commissions, and free retirement rights for recognized disabilities; the RID reserve exceeds 70 million euros with an annual technical surplus of approximately 6 million euros, and 30-40 beneficiaries are typically supported per year.

The operating model is mandatory membership under a pay-as-you-go (répartition) framework: contributions are calculated on agent commissions, collected annually, and channeled to the relevant regime. CAVAMAC does not generate commercial revenue; its financial mechanics are contribution inflows, reserve management, and benefit outflows under statutory rules. Service delivery is anchored on the espace privatif member portal (FranceConnect-authenticated) for contribution notices, document access, and profile management, with supplementary phone support, SMS notifications, educational webinars (co-organized with agéa senior, AGEA, PRAGA, and ELLII), and integration with the national GIP Info Retraite portal for unified retirement requests and rights simulations. The organization runs with 51-100 employees, in line with its scale as a delegated section rather than a full-service insurer.

Name

CAVAMAC

Legal name

CAVAMAC

Website

https://cavamac.fr

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

CAVAMAC is the French statutory pension and prévoyance fund for independent general insurance agents, administering the base (RBL), complementary (RCO), and invalidity-death (RID) regimes under CNAVPL delegation with elected professional governance and a Paris-based member portal.

Ownership category

akta.pro rank

Product category

Pension Fund Services

NAICS

Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Health and Welfare Funds (52512)

SIC

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

akta.pro primary industry

Pension Master Trusts, Superannuation & Provident Funds (FSAAAGAB)

akta.pro secondary industries

Fiduciary Agency & Trustee-for-Hire Services (FSAAANAL), Stop-Loss & Reinsurance Administration (Captive/Level-Funded Support) (HLAEALAB)

Keywords

• Pension fund management
• Retirement contributions
• Disability insurance
• Social protection schemes
• Insurance agents retirement

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Retirement Contributions: CAVAMAC collects retirement contributions from active insurance agents for three regimes: RBL (base retirement), RCO (complementary retirement), and RID (invalidity-death coverage). These contributions are calculated based on agent commissions and managed under the repartition system.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

CAVAMAC is a French social security pension fund that manages three mandatory social protection regimes for general insurance agents (agents généraux d'assurance): the base retirement regime (RBL) delegated from CNAVPL, the complementary point-based retirement regime (RCO), and the invalidity-death coverage regime (RID). The fund collects recurring contributions calculated on agent commissions, calculates and pays out pensions, provides disability and death benefits, and delivers supporting social action assistance through an online member portal, phone support, and physical office services.

Product overview

CAVAMAC is a complementary pension fund managing three core retirement and insurance regimes for general insurance agents in France: the base retirement regime (RBL) delegated from CNAVPL, the complementary retirement regime (RCO) providing point-based pensions, and the Invalidity-Death regime (RID) offering disability and death protection. The organization delivers these through digital member services including a private online space, unified retirement application via the national Info Retraite portal, contribution notices, simulators, and informational webinars. The three regimes work together to provide comprehensive social protection: RBL and RCO address retirement income needs while RID provides risk coverage for disability and death scenarios.

Differentiator

Problem solved

Functional benefit

Products and services

• Régime de Base (RBL) Base retirement regime managed by CAVAMAC on behalf of CNAVPL for general insurance agents, providing both quarters and retirement points calculated based on professional income. CAVAMAC handles RBL contribution collection and pension liquidation for active and retired agents.
• Régime Complémentaire (RCO) Complementary point-based retirement regime piloted by the CAVAMAC Board under government supervision, enabling accumulation of retirement points calculated on capped gross commission income with participating contributions from insurance companies. The point value was increased to €0.3829 in 2025 and to €0.4123 in 2026.
• Régime Invalidité-Décès (RID)

Quantifiable outcome

• 95% RGAA accessibility compliance achieved for website
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• AGEAcoreStrategic or Co-development Partner · 23 April 2026AGEA is the National Federation of Insurance Agent Unions. CAVAMAC and PRAGA participated in a joint 'Special Prévoyance' webinar organized by AGEA, with nearly 200 participants learning about health coverage, invalidity protection, and death benefits.
• APESAminorOthers · 23 April 2026APESA operates a sentinel network to provide assistance to insurance agents at suicidal risk, mentioned during the joint CAVAMAC-PRAGA webinar on prévoyance.
• agéa seniorcoreStrategic or Co-development Partner · 12 February 2025agéa senior is the national union of retired insurance agent associations. CAVAMAC and agéa senior co-organize webinars on 'Bien Vieillir' (aging well) and other topics of interest to retired insurance agents. More than 160 persons attended the February 2025 webinar.
• ELLIIminorStrategic or Co-development Partner · 12 February 2025ELLII provides interactive workshops for seniors covering physical exercise, mental activities (singing, painting), and nutrition (cooking, dietetics) in small group formats to enrich social life of retirees.
• PRAGA (Association)coreOthersPRAGA manages mandatory social protection for active insurance agents including health insurance (PRAGA 100%), supplementary health (SUP PRAGA), education annuity (RED), and surviving spouse annuity (RCS). CAVAMAC and PRAGA co-organize webinars on social protection topics and share the same headquarters.
• CNAVPL (Caisse Nationale d'Assurance Vieillesse des Professions Libérales)coreOthersCAVAMAC is one of 10 professional sections of CNAVPL, which pilots the base retirement regime (RBL) common to all professional pension funds. CNAVPL delegates management to individual sections including CAVAMAC.
• GIP Info RetraitecoreTechnology or IntegrationGIP Info Retraite operates the inter-regime portal www.info-retraite.fr that provides comprehensive retirement rights information across all pension regimes. Members can access retirement simulations and submit retirement requests through this platform.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• PRAGA (Association): Mandatory social protection manager for active insurance agents, covering health (PRAGA 100%), supplementary health (SUP PRAGA), education annuity (RED), and surviving spouse annuity (RCS). Complementary coverage for the same member population as CAVAMAC, sharing the same headquarters.

Broad incumbents

• Malakoff Humanis: Large French social protection group offering retirement, prévoyance, and health benefits across multiple professions. Broad incumbent competing for complementary retirement and prévoyance business that could overlap with CAVAMAC-adjacent offerings.
• AG2R La Mondiale: Major French insurance group offering retirement, prévoyance, and health insurance products broadly across professions and individuals. Broader incumbent in complementary retirement and prévoyance space serving some of the same insureds via employer-sponsored or individual policies.

Direct peers

• CARMF (Caisse Autonome de Retraite des Médecins de France): Another CNAVPL professional section managing mandatory base, complementary, and invalidity-death regimes for French physicians. Direct peer with parallel statutory structure, similar regimes, and identical governance under public service mission.
• CNBF (Caisse Nationale des Barreaux Français): National pension fund for French lawyers, also operating under the CNAVPL framework. Direct peer managing mandatory retirement and prévoyance for a liberal profession with analogous governance and regime structure.
• CAVP (Caisse d'Assurance Vieillesse des Pharmaciens): CNAVPL section managing mandatory retirement and prévoyance regimes for French pharmacists. Direct peer with same regulatory oversight, repartition-based complementary regime, and profession-specific member base.
• CIPAV (Caisse Interprofessionnelle de Prévoyance et d'Assurance Vieillesse): Historically multi-profession CNAVPL section now focused on specific liberal professions. Direct peer with similar retiree population, regime management responsibilities, and statutory oversight.
• CAVEC (Caisse d'Assurance Vieillesse des Experts-Comptables et des Commissaires aux Comptes): CNAVPL section for French accountants and statutory auditors. Direct peer managing analogous retirement and prévoyance regimes for a different liberal profession under the same statutory framework.
• CARPIMKO (Caisse Autonome de Retraite et de Prévoyance des Infirmiers, Masseurs-Kinésithérapeutes, Orthophonistes et Orthoptistes): CNAVPL section managing retirement and prévoyance for French paramedical liberal professionals. Direct peer operating analogous three-regime structure (base, complementary, invalidity-death) under identical legal framework.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens-Dentistes et des Sages-Femmes): CNAVPL section managing retirement regimes for French dental surgeons and midwives. Direct peer with same three-regime structure, supervisory framework, and profession-specific membership model.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/cavamac
• Facebookfacebook.com/retraitecavamac
• LinkedInlinkedin.com/company/cavamac

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 CAVAMAC