MAIF

What MAIF does

MAIF (Mutuelle Assurance des Instituteurs de France, founded 1934) is one of France's largest mutual insurance companies, structured as a Société d'assurance mutuelle à cotisations variables and headquartered in Niort. With 10,000+ employees and 3+ million sociétaire households, MAIF offers a comprehensive portfolio spanning personal lines (auto, home, life, death, funeral, pet), professional and business lines (multi-risk commercial, fleet, collective health, director provident), specialized coverages (cyber risk, legal protection, teleassistance, remote monitoring), and savings/retirement products (Assurance Vie Responsable et Solidaire, PER, ethical savings accounts) distributed through wholly-owned subsidiaries MAIF VIE and MAIF Solutions Financières and jointly-controlled IMA Services. MAIF is certified as a société à mission and has ranked top-3 in the BearingPoint/Kantar customer-relationship survey of the French insurance sector for over 20 consecutive years.

Name

MAIF

Legal name

MAIF - Société d'assurance mutuelle à cotisations variables

Website

https://maif.fr

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

MAIF is a French mutual insurance company (founded 1934) serving 3+ million sociétaire households across individuals, teachers, professionals, businesses, and associations with bundled personal, commercial, life, and savings products distributed via agencies, mobile, and digital channels.

Ownership category

akta.pro rank

Product category

Mutual Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE), Contractors BOP / Artisan Package (FSAJAFAD)

Keywords

• Mutual insurance services
• Property and casualty insurance
• Life insurance products
• Retirement savings plans
• Professional liability coverage

Headquarters

HQ city

Nantes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: MAIF generates revenue through insurance premiums collected from sociétaires (members). As a mutual insurance company (Société d'assurance mutuelle à cotisations variables), premiums are variable based on claims experience. Products include auto, home, health, life, professional liability, and business insurance across individuals, teachers, professionals, associations, and enterprises.
2. Life Insurance and Savings Products: MAIF VIE subsidiary offers life insurance (Assurance Vie Responsable et Solidaire), retirement savings plans (PER), and savings accounts, generating management fees and premium income.
3. Banking and Credit Products: Credit offerings including auto loans, home loans, and accessibility modification loans, offered through MAIF Solutions Financières.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

MAIF is a French mutual insurance company that underwrites and distributes a comprehensive portfolio of personal, professional, and business insurance products, including auto, home, motorcycle, bicycle, boat, pet, life, death, funeral, health, legal protection, cyber risk, professional liability, and multi-risk commercial coverage. In addition to risk coverage, MAIF provides savings and retirement products (Assurance Vie Responsable et Solidaire, PER, Livret Épargne Autrement), assistive services such as medicalized teleassistance (Téléassistance Sérélia) and home autonomy assessments (Bilan Autonomie), and member-exclusive community benefits distributed through its délégations, website, mobile application, and partner ecosystem.

Product overview

MAIF is a French mutual insurance company offering a comprehensive portfolio of insurance and financial products. The core offering consists of personal insurance products (home, auto, life, death, funeral, pet) alongside business and professional coverage (commercial multi-risk, health insurance, provident insurance). The product portfolio includes savings and retirement solutions (life insurance, savings accounts, retirement plans), specialized services (legal protection, cyber risk, teleassistance, home monitoring), and digital tools (mobile application, online community). For teachers, MAIF provides tailored professional insurance with specific advantages. The ecosystem extends through partner brands like Camif for home equipment, while educational platforms like Numérique Éthique and Assistance Scolaire Personnalisée support policyholders beyond traditional insurance coverage.

Differentiator

Problem solved

Functional benefit

Brands

• MAIF VIE: Life insurance and savings subsidiary offering insurance vie products
• MAIF Solutions Financières
• Camif
• Numérique Éthique
• MAIF Impact
• Fondation MAIF
• MAIF Transition
• MAIF Pour le Vivant
• MAIF Forêts

Products and services

• Assurance Habitation Home insurance covering dwelling, liability, and natural disasters for homeowners and renters.
• Assurance Auto Vehicle insurance covering car, motorcycle, and bicycle coverage with optional legal protection.
• Assurance Vie Responsable et Solidaire Life insurance investment product with responsible and solidarity-based investment approach.
• Assurance Décès Death insurance guaranteeing a predetermined capital or annuity to beneficiaries, with premiums based on age.
• Assurance Obsèques Funeral insurance for pre-financing ceremonies and providing services upon death.
• Assurance Protection Juridique Legal protection insurance covering procedural costs and legal assistance in various domains.
• Assurance Cyber Risques Cyber risk coverage including digital protection, identity theft assistance, and e-reputation protection.
• Bilan Autonomie MAIF-IMA Home assessment service by an occupational therapist to evaluate solutions for remaining at home despite disability, fragility, or dependency.
• Téléassistance Sérélia Medicalized teleassistance service for elderly or dependent persons to ensure their safety at home.
• Télésurveillance Remote monitoring and surveillance service for homes and businesses to prevent intrusions and emergencies.
• Crédit Auto Auto financing solutions for purchasing vehicles, including adaptations for reduced mobility.
• Assurance Emprunteur Loan insurance covering outstanding capital and interest in case of death, ensuring mortgage security.
• Plan d'Épargne Retraite (PER) Retirement savings plan enabling individuals to build retirement capital with tax advantages.
• Livret Épargne Autrement Solidarity-based savings account with ethical and responsible investment approach.
• Prévoyance Professionnelle Professional provident insurance protecting independent workers against life uncertainties.
• Mutuelle des Indépendants Health insurance specifically designed for self-employed professionals.
• Assurance Professionnelle Enseignants Professional insurance tailored for teachers covering liability, cyber risks, and workplace hazards.
• Assurance Santé Collective Entreprises Collective health insurance for businesses covering employees with various plan options.
• Assurance Multirisque Entreprises Multi-risk business insurance covering operational risks, property, and liability.
• Assurance Vélo Bicycle insurance covering theft, damage, and related risks for cyclists.
• Assurance Camping-car Recreational vehicle insurance for motorhomes and campervans.
• Assurance Moto Motorcycle insurance with coverage options for liability, theft, and damage.
• Assurance Bateau Watercraft insurance for boats and maritime vessels.
• Assurance Chien Chat Pet insurance covering veterinary expenses and liability for dogs and cats.

Quantifiable outcome

• 20+ years on podium for customer relationship quality (BearingPoint/Kantar survey)
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• CamifminorChannel Partner/ Reseller/ DistributorCamif is a home equipment retailer partnered with MAIF for housing-related services. Camif is featured as a partner service on MAIF's housing solutions page, offering furniture and home equipment to sociétaires.
• Cybermalveillance.gouv.fr (GIP ACYMA)coreStrategic or Co-development PartnerMAIF is a member of the national cybersecurity platform Cybermalveillance.gouv.fr, contributing expertise and financial support to the national fight against cybermalveillance. The platform serves individuals, businesses, and territorial authorities with prevention tools and victim assistance.
• IMA (Inter Mutuelles Assistance)coreStrategic or Co-development PartnerIMA (Inter Mutuelles Assistance) is a core operational partner providing assistance services including the Bilan Autonomie service for home adaptation assessments for disability and autonomy. MAIF and IMA jointly offer the Bilan Autonomie service with ergotherapist home visits.
• Cozy CloudminorStrategic or Co-development PartnerCozy Cloud is a personal data hosting solution that MAIF supports through its MAIF Avenir subsidiary. Cozy Cloud enables users to regain control of their personal data, aligned with MAIF's commitment to data protection and RGPD compliance.
• e-EnfanceminorStrategic or Co-development Partnere-Enfance is a partner for youth digital safety, providing resources and support for children, parents, and education professionals on internet safety and cyberbullying prevention through the 3018 service.
• CNIL (Commission Nationale de l'Informatique et des Libertés)minorOthersMAIF collaborates with CNIL on digital rights education and RGPD compliance, directing users to CNIL resources for data protection guidance and rights exercises.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• BNP Paribas Cardif: Insurance subsidiary of BNP Paribas providing life, savings, and protection products through banking channels. Direct competitor in life insurance and creditor insurance where MAIF also operates.
• AXA France: French arm of global insurer AXA; offers auto, home, health, life and savings products directly competing with MAIF in the personal and professional lines, with broader geographic and capital reach.
• AG2R La Mondiale: French mutual insurance group specializing in retirement, life, and health/s prévoyance products, with strong presence in employee benefits — competes with MAIF's group santé collective and prévoyance d'entreprise.
• Allianz France: French unit of Allianz offering personal P&C, health, life, and savings products. Competes with MAIF across multiple lines, with deeper capital and reinsurance capacity.
• CNP Assurances: Major French life and personal-protection insurer, partly state-owned, distributing through partner networks. Competes with MAIF VIE in life insurance and personal protection lines.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, distributing life, P&C, and creditor insurance via the largest French retail-banking network. Competes with MAIF in life/savings and increasingly in P&C.
• Covéa (MAAF / MMA / GMF): Mutual insurance group combining MAAF, MMA, and GMF — direct personal-line competitors to MAIF across auto, home, and professional liability, with broader scale and multi-brand distribution.

Direct peers

• Macif: French mutual insurer (Société d'assurance mutuelle) focused on individuals, with auto, home, health, and savings products. Operates under similar mutualist governance and competes directly with MAIF in the personal-lines market.
• Matmut: French mutual insurance company offering auto, home, health, and provident products to individuals and small businesses. Direct competitor in personal P&C and a peer mutualist structure to MAIF.
• Groupama: French mutual insurance federation offering auto, home, health, and life insurance to individuals, farmers, and professionals. Closest structural analogue to MAIF as a major French mutual insurer with member-owned governance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/maif
• Facebookfacebook.com/MAIFassureur
• LinkedInlinkedin.com/company/maif
• Instagraminstagram.com/maif.fr
• TikToktiktok.com/@maif
• Xx.com/maif

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MAIF