Prepar-Vie Assurance

What Prepar-Vie Assurance does

Prepar-Vie Assurance is a French life insurance and personal risk insurer operating as a Société Anonyme à Directoire et Conseil de Surveillance, founded in 1982 and headquartered in Puteaux, France. The company is a wholly-owned subsidiary of BRED Banque Populaire, itself part of the BPCE cooperative banking group, with share capital of €182,183,792 and ACPR regulatory oversight. Its product portfolio centers on multi-support life insurance contracts (fonds euros and eurocroissance, including the SFDR Article 8-classified Fonds Croissance PREPAR Avenir II), the PERI BRED individual retirement savings plan (PER), and protection products spanning borrower insurance, supplementary health, prévoyance, and key-person coverage, supplemented by wholly-owned subsidiaries PREPAR-IARD (non-life) and PREPAR Courtage (brokerage).

The business operates a bancassurance model that distributes products primarily through BRED Banque Populaire's French branch network and a broad ecosystem of external partners including UNEP, SBE, Talence Gestion (Family Office), Santiane Group, April Santé Prévoyance, Luxior Assurance, Magnolia, Simulassur by Elois, Primonial, Zenith, Murano, and Laplace. Underlying technology comprises multi-management investment capabilities, horizon-based (target-date) allocation for PER products, an online client portal (Mon Espace Client) for policyholder self-service, and inclusive borrower insurance features (no surprime or exclusions for cancer survivors). Revenue is generated via recurring insurance premiums and associated management, subscription, and arbitrage fees across the savings and protection book.

Distribution strength is reinforced by a track record of industry recognition including consecutive Label d'Excellence awards for PERI BRED (2023-2026) and Valvie Invest Patrimoine II (2022-2025), Good Value for Money #1 Eurocroissance ranking (2025 and 2026), and Trophée d'Or from Le Revenu (2017-2019). Pricing is individualized based on client risk and contract type with no publicly disclosed rate cards, and revenue figures are not disclosed. Geoffroy Brossier was appointed Président du Directoire in February 2026, succeeding from a career spanning COVEA, MMA, Swiss Life, and Mazars.

Name

Prepar-Vie Assurance

Legal name

PREPAR-VIE

Website

https://prepar-vie.fr

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

Prepar-Vie Assurance is a French life insurance and personal risk insurer, wholly owned by BRED Banque Populaire (BPCE Group), offering life insurance, PER, borrower, health, and prévoyance products distributed through BRED branches and external partners across France.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241)

SIC

Life Insurance (6311)

akta.pro primary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

akta.pro secondary industries

Retirement Income Planning & Decumulation Advisory (FSAEABAD), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)

Keywords

• Life insurance
• Retirement savings
• Borrower insurance
• Health insurance
• Savings products

Headquarters

HQ city

La Défense

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums: Prepar-Vie collects recurring insurance premiums from policyholders holding life insurance (assurance-vie) and PER contracts. Revenue is generated through management fees, subscription fees (frais sur versements), management fees (frais de gestion), and arbitration fees charged on policy transactions.
2. Personal Risk / Protection Insurance: The company collects premiums for personal risk products including borrower insurance (assurance emprunteur), health insurance (complémentaire santé), and provident/prevoyance coverage distributed through banking and insurance partner networks.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Prepar-Vie Assurance is a French life insurance company that designs and distributes life insurance contracts (assurance-vie), retirement savings plans (PER), borrower insurance, and health insurance products. The company serves individual customers primarily through the BRED Banque Populaire branch network and external partners, leveraging its parent group's banking ecosystem.

Product overview

PREPAR-VIE Assurance is a life insurance company (filiale assurance vie de BRED Banque Populaire) offering a comprehensive portfolio of savings, retirement, and protection products. The core product portfolio centers around PERI BRED (Individual Retirement Savings Plan) and multiple life insurance contracts including Valvie Invest Patrimoine (I, II, III), UNEP Evolution, and Talence Epargne Vie. Investment products include traditional Fonds Euro and Eurocroissance funds (PREPAR Avenir, PREPAR Avenir II). Protection offerings encompass borrower insurance (emprunteur) products including BRED Assurance de Prêt Immobilier, Magnolia SAFI EMPRUNTEUR, and Simulassur SAFI EMPRUNTEUR, plus key person insurance (BRED Protection Patrimoine – Homme Clé). Health insurance includes Ma Surco Honoraires, OPTIMEO SANTE, and Orys/Néoliane Equilibre products. The company distributes through BRED Banque Populaire branches and partner networks including SBE, UNEP, Talence Patrival, Laplace, Zenith, Murano, Primonial, Santiane, April, and Luxior Assurance.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-Vie (Life Insurance) Life insurance contracts designed to help individual customers build long-term savings with tax advantages, typically used for retirement preparation or wealth transfer. Distributed through BRED Banque Populaire branches and external partners.
• PER (Plan d'Épargne Retraite) Individual retirement savings plan allowing French customers to build retirement capital with tax-deductible contributions, available for distribution through BRED Banque Populaire branches.
• Borrower Insurance (Assurance Emprunteur) Insurance coverage designed to protect mortgage borrowers and their lending institutions by covering loan repayment in case of death, disability, or loss of employment. Targeted at BRED Banque Populaire mortgage clients.
• Health Insurance (Assurance Santé) Complementary health insurance products for individuals, providing reimbursement for medical expenses beyond the French social security system. Distributed through BRED Banque Populaire and external partners.

Quantifiable outcome

• PERI BRED ranked 2nd out of 44 PER contracts studied by Invest/Le Journal des Finances (score: 18.75/20) in 2026
• +8 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core, major and minor.

• BPCE GroupecoreOthers · 1 November 2020PREPAR-VIE is an entity of the BPCE Groupe (cooperative banking group) and is subject to the BPCE group's digital accessibility scheme (schéma pluriannuel 2025-2027). The company is regulated by ACPR and its parent entity BRED Banque Populaire is a subsidiary of BPCE.
• BRED Banque PopulairecoreChannel Partner/ Reseller/ DistributorBRED Banque Populaire is the primary distribution channel for PREPAR-VIE products. PREPAR-VIE is described as 'filiale assurance vie de BRED Banque Populaire' (life insurance subsidiary of BRED Banque Populaire), which is itself a subsidiary of the BPCE cooperative banking group. BRED distributes the full range of PREPAR-VIE products including PERI BRED, Valvie contracts, and borrower insurance through its branch network.
• UNEP (Union Nationale d'Epargne et de Prévoyance)coreChannel Partner/ Reseller/ DistributorUNEP distributes the UNEP Evolution multi-compartment life insurance contract issued by PREPAR-VIE, which includes the Fonds Croissance PREPAR Avenir II and a wide range of unit-linked supports with 2 managed options (ISR Solidaire and Thematic). A capitalisation contract for legal entities also complements the offer.
• SBE (Société BRED Easylife?)majorChannel Partner/ Reseller/ DistributorSBE distributes PREPAR contracts including Valvie Invest Patrimoine II under the PREPAR brand, as evidenced by separate Label d'Excellence listings on the Label Excellence website.
• Talence GestionmajorChannel Partner/ Reseller/ DistributorSince October 2016, Talence Gestion distributes Talence Epargne Vie, a patrimonial life insurance contract issued by PREPAR-VIE, targeted at its Family Office client base.
• MagnoliaminorChannel Partner/ Reseller/ DistributorMagnolia distributes SAFI EMPRUNTEUR CE/20 026, a borrower insurance product backed by PREPAR-VIE, which received a Label d'Excellence 2026 from Les Dossiers de l'Epargne.
• Simulassur by EloisminorChannel Partner/ Reseller/ DistributorSimulassur by Elois distributes SAFI EMPRUNTEUR CE/20 031, a borrower insurance product backed by PREPAR-VIE, which received a Label d'Excellence 2026 from Les Dossiers de l'Epargne.
• Laplace, Zenith, Primonial, MuranominorChannel Partner/ Reseller/ DistributorThese partners distribute PREPAR contracts (including PERI BRED and PREPAR Avenir II fund) across various independent advisor networks and wealth management platforms in France.
• April Santé PrévoyanceminorChannel Partner/ Reseller/ DistributorSince May 2017, April Santé Prévoyance partnered with PREPAR to distribute Ma Surco Honoraires, a supplementary health product (surcomplémentaire) complementing reimbursements for fees from non-DPTAM (non-conventioned) practitioners.
• Santiane GroupminorChannel Partner/ Reseller/ DistributorSince July 2017, Santiane Group (including its Néoliane Santé et Prévoyance broker network) distributes Orys Equilibre and Néoliane Equilibre health and prévoyance products underwritten by PREPAR-IARD.
• Luxior AssuranceminorChannel Partner/ Reseller/ DistributorSince December 2016, Luxior Assurance distributes OPTIMEO SANTE, a supplementary health product for self-employed professionals (TNS) and seniors, underwritten by PREPAR.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Abeille Assurances (formerly Aviva France): Multi-line French insurer (life, P&C, health) acquired by Aéma Groupe in 2022, distributing through agents and partner networks. Comparable in life insurance and savings/retirement offerings though broader portfolio; competes for Label d'Excellence and other institutional awards in the same PER and life insurance categories.
• AXA France Vie: Life insurance arm of AXA France, one of France's largest insurers offering a comprehensive portfolio of savings, retirement, and protection products via multi-channel distribution (agents, brokers, banca partners). Broader incumbent with much larger AUM and brand presence than PREPAR-VIE; competes for awards and shelf space in the same product categories.

Direct peers

• CNP Assurances: France's largest life insurer and the historical bancassurer for La Banque Postale and Groupe BPCE's Caisse d'Epargne network. Directly comparable through bancassurance model, multi-support life contracts, and PER offerings. Recently privatized/merged into La Banque Postale group, competing head-to-head with PREPAR-VIE for distribution shelf space in the broader BPCE universe.
• Predica (Crédit Agricole Assurances): Bancassurance arm of Crédit Agricole, distributing life insurance and PER products through Crédit Agricole's regional bank branches. Directly comparable business model (captive banking distribution, multi-support contracts, eurocroissance, inclusive borrower insurance) and similar target retail banking clientele.
• BNP Paribas Cardif: Insurance arm of BNP Paribas, distributing savings, protection, and creditor insurance through BNP Paribas branch network and partner distributors. Directly comparable as a bancassurer with multi-channel partner strategy (including online brokers like Magnolia and Simulassur) and similar PER and assurance-vie offerings.
• SwissLife France: French life insurance and wealth management subsidiary of the Swiss Life Group, distributing via financial advisors and direct channels. Directly comparable through multi-support life contracts, PER offerings, and patrimoine-focused segment overlap with PREPAR-VIE's Valvie and Talence Epargne Vie products.
• Crédit Mutuel Arkéa: Cooperative banking group with integrated life insurance operations (Suravenir). Directly comparable as a bancassurance model within a cooperative group, with multi-support and eurocroissance products distributed through regional banking networks in France.
• Natixis Assurances: Direct sister entity within BPCE group, offering life insurance and protection products through BPCE's other banking networks (Caisses d'Epargne, Banque Populaire outside BRED). Strongly comparable as both are BPCE-owned life insurers; PREPAR-VIE focuses on BRED specifically while Natixis serves the broader network, making them substitute carriers within the same parent.
• Sogecap (Société Générale Insurance): Life insurance subsidiary of Société Générale, distributing savings and retirement products through Société Générale's retail branch network in France. Directly comparable through bancassurance model, multi-support contracts, and Euro fund management. Same competitive set for institutional awards (Label d'Excellence, Investir rankings).

Emerging players

• MACSF (Mutuelle d'Assurance du Corps de Santé Français): Mutual insurer specialized in medical professionals, offering life insurance, retirement savings (PER), and creditor insurance. Comparable in life/savings/PER product set and inclusive borrower insurance positioning, though focused on a narrower health-professional persona than PREPAR-VIE's broader retail banking clientele.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/prepar-vie

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 Prepar-Vie Assurance