Gan Patrimoine
Gan Patrimoine is a French wealth management advisory firm and wholly-owned subsidiary of Groupama Assurances Mutuelles, serving individuals and business owners across Metropolitan France via 400+ financial advisors and 27 agencies with life insurance, retirement, prévoyance, and investment products.
- Company typePrivate
- Founded1913
- HeadquartersLille, France
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Gan Patrimoine does
Gan Patrimoine is a French wealth management advisory firm (conseil en gestion de patrimoine) and a wholly-owned subsidiary of Groupama Assurances Mutuelles, operating under the Gan brand with heritage dating to 1913. The company serves individual clients (Particuliers) and business owners (Chefs d'entreprise) across Metropolitan France through a distribution network of 400+ financial advisors operating from 27 commercial agencies. Its product portfolio centers on multi-support life insurance contracts (notably Gan Patrimoine Évolution, Objectif Retraite, and the Luxembourg-domiciled Vie Lux), individual and collective retirement savings plans (PERin, PEE, PERCOL), provident and funeral insurance (Protection Plus, Sérénité), and tax-advantaged investment vehicles (SCPI, OPCI, FIP/FCPI, SOFICA, nue-propriété, LMNP, and the 2026 Dispositif Jeanbrun). A premium Gestion Privée service and the Le Club loyalty program target higher-value client tiers.
The technology layer is functional rather than differentiated: a G.Connect unified authentication platform with single sign-on and biometric access, a 'Gan Patrimoine et Moi' mobile application, and a real-time market data module powered by Web Financial Group. There is no evidence of AI/ML capabilities, proprietary modeling, or open APIs. Gan Patrimoine earns revenue primarily through insurance intermediation commissions as the exclusive agent (mandataire exclusif) for Groupama Gan Vie and its subsidiaries, supplemented by transaction-fee banking intermediation with Orange Bank. Go-to-market is sales-led and advisor-driven, with a complementary direct-to-consumer digital channel for existing client servicing, online simulators, and content marketing via blog and podcast. As of 2026, the firm has earned the Oscar for best mutual life insurance contract and repeat Label Excellence recognition for Gan Patrimoine Évolution.
Gan Patrimoine firmographics
Firmographics- Name
- Gan Patrimoine
- Legal name
- Gan Patrimoine
- Website
- https://ganpatrimoine.fr
- Company type
- Private
- Founded year
- 1913
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Gan Patrimoine is a French wealth management advisory firm and wholly-owned subsidiary of Groupama Assurances Mutuelles, serving individuals and business owners across Metropolitan France via 400+ financial advisors and 27 agencies with life insurance, retirement, prévoyance, and investment products.
- Ownership category
- akta.pro rank
Gan Patrimoine industry classification
Industry- Product category
- Wealth Management
- NAICS
- Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394)
- SIC
- Insurance Agents, Brokers & Service (6411), Investment Advice (6282)
- akta.pro primary industry
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)
Keywords
Where Gan Patrimoine is headquartered
LocationHeadquarters
- HQ city
- Lille
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
Gan Patrimoine business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Insurance intermediation commissions: Gan Patrimoine operates as an insurance intermediary, earning commissions on life insurance, retirement planning products, and other insurance solutions sold through its network. Acts as exclusive agent for Groupama Gan Vie and its subsidiaries.
- Banking products intermediation: Intermediation services for banking products in partnership with Orange Bank. The company acts as intermediary in banking operations for Orange Bank products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Life insurance products with varying coverage and premium levels |
| Other | Monthly | Loan insurance (Assurance Emprunteur) |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Gan Patrimoine product offering
Product offeringCore offering
Gan Patrimoine is a wealth-management advisory firm that distributes life insurance contracts, retirement savings plans (PERin, PEE, PERCOL), provident insurance, real estate investment vehicles (SCPI, OPCI, LMNP, nue-propriété, Dispositif Jeanbrun), and financial investment funds (FIP/FCPI, SOFICA) to individual clients and business owners across France. The firm acts as an exclusive insurance intermediary (mandataire exclusif) for Groupama Gan Vie and as intermediary for Orange Bank banking products, with offerings delivered through a network of 400+ financial advisors and supplemented by the G.Connect digital platform.
Product overview
Gan Patrimoine is a wealth management advisory firm (conseil en gestion de patrimoine) operating as a subsidiary of Groupama Assurances Mutuelles, offering a comprehensive suite of savings, retirement, insurance, and investment solutions. The core product portfolio centers on multi-support life insurance contracts (Gan Patrimoine Évolution, Gan Patrimoine Objectif Retraite, Gan Patrimoine Capitalisation), retirement planning solutions (PERin, PEE, PERCOL), and provident insurance products (Gan Patrimoine Protection Plus, Gan Patrimoine Sérénité). The firm also provides investment products including SCPI, OPCI, FIP/FCPI, SOFICA, and real estate investments (nue-propriété, LMNP). Premium services include Gestion Privée for high-net-worth clients and Le Club loyalty program. Digital access is facilitated through G.Connect unified authentication and client portal. The network comprises approximately 400 advisors across 27 commercial agencies in France.
Differentiator
Problem solved
Functional benefit
Brands
- Gan Patrimoine Évolution: Life insurance contract offering multi-support savings and investment solutions
- Gan Patrimoine Capitalisation
- Gan Patrimoine Sérénité
- Gan Patrimoine Protection Plus
- Gan Patrimoine Objectif Retraite
- Gan Patrimoine Emprunteur
- Gan Patrimoine Nouvelle Vie
- Gan Patrimoine Vie Lux
- Gan Patrimoine Stratégies
- Patrimoine Stratégies Vie
- Gan Nouvelle Vie
Products and services
- Gan Patrimoine Évolution Multi-support life insurance contract offering savings, diversification across euro funds and unit-linked funds, and personalised management options for various investor profiles; available to individual and business-owner clients.
- Gan Patrimoine Objectif Retraite Life insurance retirement solution designed to build capital and/or income upon retirement, available to individuals and business owners.
- Gan Patrimoine Capitalisation Capitalization contract for wealth accumulation without the life insurance framework, offered to both individual clients and business owners.
- Gan Patrimoine Vie Lux Luxembourg-domiciled life insurance offering international wealth management and estate-planning advantages for individual clients.
- PERin (Plan d'Épargne Retraite Individuel) Individual retirement savings plan allowing tax-deductible contributions for retirement capital or income, available to both individual clients and business owners.
- PEE (Plan d'Épargne Entreprise) Company savings plan enabling employee savings with employer contributions and tax advantages, offered to business-owner clients.
- PERCOL (Plan d'Épargne Retraite Collectif) Collective retirement savings plan for employees with employer matching and tax benefits, available to business-owner clients.
- Gan Patrimoine Protection Plus Provident insurance covering death, disability, and work-stoppage risks for individuals and professionals, available under dedicated particulier and professionnel product pages.
- Gan Patrimoine Sérénité Obsèques Funeral expense insurance to anticipate and finance end-of-life arrangements for individual clients.
- Gan Patrimoine Sérénité Succession Succession planning solution integrated with life insurance for optimised heritage transmission.
- Gan Patrimoine Sérénité Essentiel Essential life insurance coverage providing basic protection for beneficiaries.
- Gan Patrimoine Emprunteur Borrower insurance covering mortgage and professional loan repayment in case of death, disability, or job loss, with documented average savings of €14,754 on a €250,000 loan over 20 years for a couple of executives aged 36 (from 0.40% to 0.25% rate per borrower).
- SCPI (Société Civile de Placement Immobilier) Real estate investment trust allowing indirect property investment through diversified portfolios.
- OPCI (Organisme de Placement Collectif en Immobilier) Collective real estate investment organisation combining property and financial asset exposure.
- FIP/FCPI (Fonds d'Investissement de Proximité / Fonds Communs de Placement dans l'Innovation) Regional and innovation-focused investment funds offering tax advantages for qualified investments.
- SOFICA Cinémage 20 Film industry investment fund with tax-reduction benefits tied to French cinema production.
- Immobilier neuf en nue-propriété New property investment in bare ownership (nue-propriété) for wealth diversification and tax optimisation.
- LMNP (Location Meublée Non Professionnelle) Non-professional furnished rental investment for rental income and tax benefits.
- Dispositif Jeanbrun Government-backed rental property scheme (2026) offering annual depreciation deductions for investors in unfurnished rentals.
- Gestion Privée Gan Patrimoine Premium wealth management service for high-net-worth clients requiring comprehensive and sophisticated financial planning.
- Le Club Gan Patrimoine Client loyalty program offering exclusive benefits and preferential conditions for long-term customers.
Quantifiable outcome
- Average savings of €14,754 on loan insurance for a €250,000 loan over 20 years
- +1 more outcomes
Companies that use Gan Patrimoine
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
Gan Patrimoine technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Gan Patrimoine partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Groupama Gan ViecorePrimary insurance partner and parent company's insurance subsidiary. Gan Patrimoine acts as exclusive agent (mandataire exclusif) for Groupama Gan Vie and its subsidiaries. All insurance products (life insurance, retirement, prévoyance) are underwritten by Groupama Gan Vie.
- Groupama Assurances MutuellescoreParent company and mutual insurance group. Gan Patrimoine is a subsidiary of Groupama Assurances Mutuelles, providing financial stability and group brand association.
- Orange BankcoreBanking partnership where Gan Patrimoine acts as intermediary for Orange Bank products. Previously known as Groupama Banque before transition to Orange Bank.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Gan Patrimoine competitors and assessment
Company assessmentDirect peers
- AXA Patrimoine: Wealth management advisory arm of AXA France, distributing life insurance, retirement, and investment products through a large advisor network. Directly comparable to Gan Patrimoine in business model, customer segments (individuals and business owners), and product mix.
- SwissLife France: French subsidiary of SwissLife Group offering life insurance, retirement planning, and wealth advisory through a proprietary advisor network. Closely matches Gan Patrimoine's hybrid advisor-led distribution and insurance-led product offering.
- Allianz Vie / Allianz Patrimoine: Wealth and life insurance arm of Allianz in France, providing retirement, savings, and investment solutions via advisors and digital channels. Strong direct overlap with Gan Patrimoine on PER, assurance vie, and provident insurance products.
- MACSF: French mutual insurer focused on healthcare professionals, offering life insurance, retirement, and wealth management through advisor relationships. Comparable mutual-insurance-led model and advisor-driven distribution to Gan Patrimoine.
- Primonial: Independent French wealth management group offering life insurance, real estate investment (SCPI), and advisory services through a multi-channel network. Directly comparable in product mix and target segments to Gan Patrimoine.
Broad incumbents
- Crédit Agricole Assurances: Insurance and wealth subsidiary of Crédit Agricole, distributing life insurance, retirement, and provident products through the bank's regional branches. Larger scale and broader channel access, but similar product portfolio to Gan Patrimoine.
- BNP Paribas Cardif: Insurance arm of BNP Paribas providing life insurance, retirement, and protection products distributed through the bank's channels. Competes with Gan Patrimoine on life insurance and PER while leveraging a much larger banking customer base.
Emerging players
- Linxea: Leading French online life insurance and savings broker offering assurance vie, PER, and PEA products directly to consumers. Represents the digital-first distribution model that pressures Gan Patrimoine's traditional advisor-led approach.
- Meilleurtaux Assurance: Online insurance brokerage specializing in loan insurance (assurance emprunteur), life insurance, and health coverage. Directly competes with Gan Patrimoine's loan insurance and assurance vie offerings via a lower-cost digital channel.
- Nalo: French robo-advisor offering automated wealth management and life insurance portfolios. Represents a different distribution paradigm targeting younger, self-directed clients that Gan Patrimoine is less effective at acquiring.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Gan Patrimoine social profiles
Digital presenceGan Patrimoine financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gan Patrimoine leadership team
Management profileNumber of profiles
Profiles1 record
Gan Patrimoine funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gan Patrimoine M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gan Patrimoine
What does Gan Patrimoine do?
Gan Patrimoine is a wealth-management advisory firm that distributes life insurance contracts, retirement savings plans (PERin, PEE, PERCOL), provident insurance, real estate investment vehicles (SCPI, OPCI, LMNP, nue-propriété, Dispositif Jeanbrun), and financial investment funds (FIP/FCPI, SOFICA) to individual clients and business owners across France. The firm acts as an exclusive insurance intermediary (mandataire exclusif) for Groupama Gan Vie and as intermediary for Orange Bank banking products, with offerings delivered through a network of 400+ financial advisors and supplemented by the G.Connect digital platform.
Is Gan Patrimoine a public or private company?
Gan Patrimoine is a private company. It is classified as corporate owned and is currently operating.
When was Gan Patrimoine founded?
Gan Patrimoine was founded in 1913. It employs 251 to 500 people.
Where is Gan Patrimoine based?
Gan Patrimoine is headquartered in Lille, France, in the Europe region.
How does Gan Patrimoine make money?
Two revenue lines are on record. Insurance intermediation commissions are the primary driver. The others are banking products intermediation.
Who are Gan Patrimoine's main competitors?
Direct peers on record are AXA Patrimoine, SwissLife France, Allianz Vie / Allianz Patrimoine, MACSF and Primonial. Broad incumbents are Crédit Agricole Assurances and BNP Paribas Cardif. Emerging players are Linxea, Meilleurtaux Assurance and Nalo.
Does Gan Patrimoine have an API?
No public API is recorded for Gan Patrimoine.
What industry is Gan Patrimoine in?
Gan Patrimoine's product category is Wealth Management. Its primary akta.pro industry code is FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions). Its NAICS code is 523940 and its SIC code is 6411.