Modulassur

What Modulassur does

Modulassur (SAS MODULASSUR, operating as Groupe Modulassur) is a Paris-based wholesale insurance broker (courtier grossiste) founded in 2007 that distributes health, provident (life/disability), retirement (PER), and borrower insurance products exclusively through a B2B2C network of partner insurance brokers (courtiers) across France. The company does not sell directly to end consumers; instead, it provides partner brokers with proprietary products, a web-based pricing platform (tarificateur), digital subscription workflows with electronic signature, and dedicated contact management infrastructure. Its core product portfolio spans three main categories: health insurance (Kuala Santé, Kuala Santé TNS, Santé Senior, Santé Entreprise), provident/family protection (Educalia, Préciso, Hospitalis, Obséo, Succeo), and borrower insurance (Emprunteur), complemented by retirement savings (Retraite PER) and a Devis Express urgent quote service.

The company's technology stack includes an ISO 3402-certified management platform for health insurance processing, a self-service pricing comparator enabling brokers to generate quotes and customize commissions in real time, and a multi-insurer borrower insurance comparison tool compliant with French Lemoine, Bourquin, and Hamon laws. The platform integrates with healthcare provider networks (Viamedis, Almerys, Santéclair, Itelis, Kalivia) for negotiated rates and third-party payment, and offers telemedicine access via Doctolib. Modulassur is regulated by the ACPR (Autorité de Contrôle Prudentiel et de Résolution) under NAF code 6622Z.

Modulassur's business model is commission-based: as a wholesale broker, it earns commissions from insurance carriers on policies placed through its partner broker network, with adjustable commission structures that can be optimized by brokers. Its customer segments are organized into three horizontal tracks: Particuliers (individuals and seniors), TNS (self-employed professionals), and TPE/PME (small and medium enterprises). The company employs 1-10 people, operates from a single Paris headquarters (4 rue Auber, 75009), and has raised no external funding.

Name

Modulassur

Legal name

SAS MODULASSUR

Website

https://modulassur.fr

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

Modulassur is a Paris-based wholesale insurance broker (courtier grossiste) founded in 2007 that distributes health, provident, retirement, and borrower insurance products exclusively through a B2B2C network of partner insurance brokers serving individuals, self-employed professionals, and SMEs across France.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Wholesale Insurance Distribution)

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Wholesale insurance brokerage
• Health insurance distribution
• Provident insurance products
• Retirement savings plans
• Borrower insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Modulassur operates as a wholesale insurance broker (courtier grossiste) earning commissions from insurance carriers on policies placed through its network of partner brokers. Commissions are adjustable by brokers to optimize competitiveness and profitability.
2. Broker Subscription and Management Fees: Partner brokers access the platform and manage client portfolios through dedicated spaces, with adjustable commission structures that Modulassur facilitates between insurers and brokers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Modulassur operates as a wholesale insurance broker (courtier grossiste) that designs and distributes health, provident, retirement, and borrower insurance products to a network of partner insurance brokers in France. Partner brokers access exclusive products, a digital pricing and policy management platform, training, and marketing support to serve end customers (Particuliers, TNS, and TPE/PME). The company monetizes primarily through commissions from insurance carriers on policies placed via its broker network.

Product overview

Modulassur is a wholesale broker (courtier grossiste) offering a portfolio of insurance products across three main categories: health, provident (prévoyance), and retirement. The core product lineup includes Kuala Santé (flexible health insurance), Retraite PER (retirement savings plan), and Emprunteur (borrower insurance). These are complemented by a family protection range (gamme protection familiale) featuring sub-products such as Educalia (children's education), Préciso (accident protection), Hospitalis (hospitalization), Obséo (funeral expenses), and Succeo (whole life). The company also offers specialized versions for different segments: TNS (self-employed), Entreprise (companies), and Seniors. All products are distributed through partner brokers using the company's proprietary pricing platform.

Differentiator

Problem solved

Functional benefit

Brands

• Modulassur Succeo: Whole life death and disability insurance with financial reserve.
• Modulassur Obséo
• Modulassur Hospitalis
• Modulassur Préciso
• Modulassur Educalia
• Modulassur Kuala Santé
• Modulassur Emprunteur
• Modulassur Retraite PER
• Modulassur Succéo Dirigeant
• Modulassur Santé Senior
• Modulassur Santé Entreprise

Products and services

• Modulassur Kuala Santé Flexible and high-performing complementary health insurance for individuals, seniors, and self-employed workers, offering 5 levels of responsible guarantees and 2 super-complementary options, distributed through partner brokers.
• Modulassur Retraite PER Personalized retirement savings plan (Plan d'Épargne Retraite) with flexible contributions, investment choices, and life/annuity payout options, distributed via partner brokers.
• Modulassur Emprunteur Borrower insurance with multi-insurer comparison tool, rapid subscription, and a dedicated management unit for complex cases including high-risk professions and medical history cases, distributed through partner brokers.
• Modulassur Educalia Children's education protection insurance providing immediate capital and monthly education rent of up to €750/month until age 25, starting from €14.13/month, distributed via partner brokers.
• Modulassur Préciso Accident protection insurance providing immediate capital of €30,000 and monthly annuity of €1,000-€4,000 for 60 months in case of accidental death, starting from €13.82/month, distributed via partner brokers.
• Modulassur Hospitalis Hospitalization insurance with daily indemnity of €20-€60 from the first day of hospitalization up to 730 days, with optional Capital+ death benefit up to €30,000, distributed via partner brokers.
• Modulassur Obséo Funeral expense insurance providing guaranteed capital of €3,000-€10,000 with no medical formalities required for ages 18-75, with flexible payment frequency, distributed via partner brokers.
• Modulassur Succeo Whole life death and disability insurance with capital of €10,000-€99,000, accessible financial reserve, fixed premiums with annual capital revaluation, and surrender value, distributed via partner brokers.
• Modulassur Succeo Dirigeant Whole life insurance specifically designed for business owners and executives, combining lifetime death/PTIA coverage with an accessible savings reserve, distributed via partner brokers.
• Modulassur Santé Senior Health insurance specifically designed for seniors with no age limit, no waiting period, immediate activation, and enhanced coverage for optics, dental, hospitalization, and alternative medicine, distributed via partner brokers.
• Modulassur Santé Entreprise Company health insurance with three levels of guarantees and super-complementary options for businesses and their employees, with multiple pricing models and deductible corporate tax benefits, distributed via partner brokers.
• Modulassur Kuala Santé TNS Health insurance complementary product specifically for self-employed workers (TNS), with 5 levels of guarantees and 2 super-complementary options, distributed via partner brokers.
• Devis Express Service Express quote service enabling brokers to obtain urgent health insurance quotes for TNS, companies, individuals, and seniors within 24 hours, available Monday-Friday 9AM-6PM via phone and online form.

Quantifiable outcome

• Quotes generated in a few clicks
• +2 more outcomes

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and strategic.

• ViamediscoreTechnology or IntegrationHealthcare provider network partner for Kuala Santé products. Provides negotiated rates for optics, dental, and audioprosthesis through the Viamedis network, enhancing coverage value for policyholders.
• AlmeryscoreTechnology or IntegrationThird-party administrator and provider network partner. Provides third-party payment services and negotiated healthcare provider rates for Modulassur health insurance products.
• SantéclaircoreTechnology or IntegrationHealthcare provider network partner offering preferential rates for optics, dental, and alternative medicine. Integrated into Kuala Santé and Santé Senior products for enhanced member benefits.
• IteliscoreTechnology or IntegrationHealthcare provider network providing access to negotiated rates for members. Part of the provider network ecosystem for Modulassur health products.
• KaliviacoreTechnology or IntegrationHealthcare provider network partner offering preferential rates and third-party payment services. Integrated into senior health insurance offerings.
• SmalltoxcoreTechnology or IntegrationSoftware publisher providing the website platform technology (Smalltox CMS) for tarificateur.modulassur.fr. Headquartered at 106 Rue La Fayette, 75010 Paris. Enables the pricing and quote generation functionality.
• Multi-ImpactstrategicChannel Partner/ Reseller/ DistributorPartner for Modulassur Emprunteur (borrower insurance) cell handling. Multi-Impact manages the specialized borrower insurance unit with dedicated contact line (03 52 65 03 34) for complex cases, high-risk professions, elite athletes, and medical history cases.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• DevisMutuelle: DevisMutuelle is a French health insurance broker and comparator focused on mutuelle and TNS health plans for individuals and self-employed professionals. Closely comparable in product focus (individual health), segment (TNS), and channel (digital plus broker-assisted).
• LeLynx.fr: LeLynx is a leading French insurance comparator (santé, emprunteur, auto, habitation), distributing carrier products through its proprietary comparison platform. Highly comparable to Modulassur in borrower and health comparator functionality and multi-insurer instant-quote UX.
• Assurland: Assurland is a long-standing French insurance broker and comparator distributing health, life, and P&C products. Comparable in distribution mechanics and target segments (particuliers and small businesses).
• Hyperassur: Hyperassur is a French insurance comparator and broker serving individuals and self-employed (TNS) for health, provident, and borrower insurance. Comparable product mix and a heavy TNS / particuliers go-to-market overlap with Modulassur.
• Magnolia.fr: Magnolia.fr is a French insurance broker distributing individual health, provident, and retirement products through partner courtiers. Similar wholesale-broker GTM and product portfolio overlap (santé, prévoyance, retraite) make it a directly comparable niche peer to Modulassur.
• Santiane: Santiane is a French insurance broker and comparator focused on health (mutuelle) and borrower insurance, distributing products through partner brokers and direct channels. Strongly comparable to Modulassur in product mix (santé, prévoyance, emprunteur) and reliance on broker distribution.
• Cegema: Cegema is one of France's largest courtiers grossistes, distributing health, provident, and borrower insurance products through partner brokers. Operates the same B2B2C wholesale model as Modulassur with multi-carrier comparator tools, making it the closest pure-comparable peer in the French market.

Broad incumbents

• Alan: Alan is a French health insurtech operating its own regulated health insurance carrier and digital platform. While direct-to-consumer rather than wholesale, it overlaps with Modulassur on health product design, digital UX standards, and target enterprise (TPE/PME) segment, setting the competitive benchmark.
• Boursorama Banque (Boursorama Assurance): Boursorama, part of Société Générale, offers online health and borrower insurance products directly to French consumers. A broad incumbent adjacent to Modulassur in French health and emprunteur markets, setting distribution and pricing benchmarks though operating at much larger scale.
• Meilleurtaux Assurances: Meilleurtaux Assurances is the insurance brokerage arm of the Meilleurtaux group, offering health, borrower, and life insurance products. Larger in scale and broader in product range than Modulassur but operates with the same French broker-distributed insurance model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/modulassur
• LinkedInlinkedin.com/company/groupe-modulassur

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Modulassur