Tutélaire
Tutélaire is a French mutual insurance company founded in 1907 that provides prévoyance (dependency, hospitalization, life accident), retirement savings, and reinsurance products to 336,000+ protected persons across France, distributed via direct sales and partner mutuelles.
- Company typePrivate
- Founded1907
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Tutélaire does
Tutélaire is a French mutual insurance company (mutuelle) founded in 1907, regulated by the Autorité de contrôle prudentiel et de résolution (ACPR) under the Code de la mutualité and a member of the Fédération nationale de la Mutualité Française (FNMF). The company specializes in prévoyance — long-term risk insurance — and operates as an independent expert in dependency coverage, hospitalization, life accidents, retirement savings, and reinsurance. Its core product family is the TUT'LR contract, which pioneered dependency coverage in 1998 as the first mutual insurer to offer the dépendance guarantee to all subscribers without a medical questionnaire. The product portfolio includes TUT'LR (core prévoyance), Hospiconfort (hospitalization insurance for stays of at least 24 hours), Paxivie (life accident insurance), sâge autonomie (autonomy/dependency insurance), an Option Complémentaire Dépendance add-on, Épargne-Retraite (supplementary retirement savings, expanded in 2024 via the CAREL Mutuelle portfolio transfer for local elected officials and former soldiers), and a Réassurance offering. Tutélaire also operates a social action program (Action Sociale) that distributed €562,416 in member aid in 2024, alongside environmental initiatives (Projet Phénix) and a responsible investment policy. The company serves 336,000+ protected persons across France.
Tutélaire's technology stack consists of a conventional insurance and mutual benefit platform with digital member services: the Espace Personnel Adhérent member portal (monespace.tutelaire.fr) enables contract management, document access, claim declarations, and personal data updates; online cotisation simulators allow prospective members to estimate needs for dependency and hospitalization coverage; the Wikidépendance information platform delivers member education on loss of autonomy and caregiver topics. The company is also advancing accessibility through integration with Acce-O for deaf and hard-of-hearing member communications.
The business model is subscription-based recurring insurance premiums (Prévoyance, retirement savings, reinsurance), with age-based pricing at contract subscription, no medical questionnaire required, no age limit at subscription, and annual billing. Tutélaire employs a hybrid go-to-market combining direct sales (telephone customer advisors available Monday-Friday, online contact forms, simulators, and self-service subscription flows) with channel partner distribution: CAREL Mutuelle distributes retirement savings contracts to elected officials and veterans, and four additional mutual partners (Mutami, Mutuelle Complémentaire d'Alsace, Mutuelle des Services Publics, Amellis) distribute sâge autonomie dependency contracts. Marketing channels include educational website content, online conferences (notably with France Alzheimer), FAQ sections, and member portal communications. The mutuelle structure means there is no parent company, no external shareholders, and no funding rounds; ownership rests with policyholders, and governance is led by Président Alain Payan and Directeur général Jean-Marc Aussibal.
Tutélaire firmographics
Firmographics- Name
- Tutélaire
- Legal name
- Mutuelle Tutélaire
- Website
- https://tutelaire.fr
- Company type
- Private
- Founded year
- 1907
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Tutélaire is a French mutual insurance company founded in 1907 that provides prévoyance (dependency, hospitalization, life accident), retirement savings, and reinsurance products to 336,000+ protected persons across France, distributed via direct sales and partner mutuelles.
- Ownership category
- akta.pro rank
Tutélaire industry classification
Industry- Product category
- Mutual Insurance
- NAICS
- Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399), Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Tutélaire is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Tutélaire business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance premiums - Prévoyance: Core revenue from insurance premiums covering dependency, hospitalization, and accident of life insurance products including TUT'LR, Hospiconfort, and Paxivie contracts.
- Retirement savings management: Revenue from supplementary retirement savings contracts for local elected officials and former soldiers, transferred and managed since 2024.
- Reinsurance: Reinsurance services provided to other insurance organizations for covering long-term risks, leveraging Tutélaire's financial solidity.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Age-based subscription pricing for dependency, hospitalization, and accident coverage |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
Tutélaire product offering
Product offeringCore offering
Tutélaire is a French mutual insurance company (mutuelle) selling prévoyance insurance and retirement savings contracts to individuals. Its core products cover dependency/loss of autonomy (TUT'LR and sâge autonomie), hospitalization (Hospiconfort), life accidents (Paxivie), and supplementary retirement savings (Épargne-Retraite). The company also provides reinsurance services to other insurers and operates white-label distribution partnerships with other mutual insurance organizations.
Product overview
Tutélaire operates as a mutual insurance company (mutuelle) offering a portfolio of prévoyance (insurance) and retirement savings products. The core offering centers on the TUT'LR contract family, which provides coverage for dependency/loss of autonomy, hospitalization (Hospiconfort), and life accidents (Paxivie). In 2024, Tutélaire expanded into supplementary retirement savings through the CAREL Mutuelle portfolio transfer. The company also offers reinsurance services to other insurers and operates a partnership distribution model (sâge autonomie) allowing partner mutuelles to distribute branded autonomy insurance products. Social action programs provide additional member support through financial assistance.
Differentiator
Problem solved
Functional benefit
Brands
- TUT'LR: Core provident insurance contract covering dependency, hospitalization, and life accident risks.
- Hospiconfort
- Paxivie
- sâge autonomie
Products and services
- TUT'LR Main prévoyance insurance contract covering dependency, hospitalization, and life accident risks. First introduced dependency coverage in 1998 for all subscribers without medical questionnaire. Targeted at individual members seeking comprehensive long-term risk protection.
- Hospiconfort (TUT'LR HOSPI) Hospitalization insurance contract covering stays of at least 24 consecutive hours in medicine, surgery, obstetrics (MCO), psychiatry, and home hospitalization (HAD) settings. Designed for individuals seeking protection against the financial consequences of hospitalization.
- Paxivie Life accidents insurance contract covering individuals against accidents in daily life, part of the prévoyance portfolio. Targeted at individuals seeking financial protection against everyday accident risks.
- sâge autonomie Autonomy/dependency insurance contract covering loss of independence (dépendance/perte d'autonomie), providing financial protection and support services for policyholders requiring assistance. Distributed in white-label via partner mutuelles including Mutami, Mutuelle Complémentaire d'Alsace, Mutuelle des Services Publics, and Amellis.
- Épargne-Retraite Pension and retirement savings product. Since 2024, Tutélaire has become the insurer for supplementary retirement contracts of local elected officials and former soldiers via the CAREL Mutuelle contract transfer validated on June 24, 2024 and approved by ACPR on December 20, 2024.
- Réassurance Reinsurance services where Tutélaire leverages its financial solidity and ACPR-regulated standing to support other insurance organizations in covering long-term risks.
Quantifiable outcome
- 336,000+ persons protected across France
- +2 more outcomes
Companies that use Tutélaire
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Tutélaire technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Tutélaire partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- CAREL MutuellecoreCAREL Mutuelle distributes Tutélaire's supplementary retirement savings contracts for local elected officials (élus locaux) and former soldiers (anciens combattants). The transfer of these contracts to Tutélaire was validated by the general assembly on June 24, 2024 and approved by ACPR on December 20, 2024.
- France Alzheimer et maladies apparentéescorePartnership with France Alzheimer for organizing online conferences on Alzheimer's disease prevention, diagnosis, and support for patients and caregivers. Experts from the association provide knowledge and resources for Tutélaire's educational initiatives.
- Association des familles d'Enfants handicapés et leurs amis (AFEH)minorPartnership for providing CESU (chèques emploi service universels) to retired members who have a disabled dependent child, as part of social action programs.
- AmellisminorDistribution partner for sâge autonomie (dependency) insurance contracts, with contractual documentation hosted on Tutélaire's website.
- Mutuelle des Services PublicsminorDistribution partner for sâge autonomie (dependency) insurance contracts, with contractual documentation hosted on Tutélaire's website.
- Mutuelle Complémentaire d'AlsaceminorDistribution partner for sâge autonomie (dependency) insurance contracts in Alsace region, with contractual documentation hosted on Tutélaire's website.
- MutamiminorDistribution partner for sâge autonomie (dependency) insurance contracts, with contractual documentation hosted on Tutélaire's website.
Scale indicators4 records
Recent moves5 records
Expansion highlights5 records
Tutélaire competitors and assessment
Company assessmentBroad incumbents
- Malakoff Humanis: Leading French group protection insurer for health, prévoyance, and retirement savings, formed via merger of Malakoff Médéric and Humanis. Comparable as a prévoyance/retirement-focused insurer competing for the same French corporate and individual markets.
- MACIF: Major French mutual insurer (macif.fr) offering prévoyance, health, property and casualty, and savings products. Comparable as a fellow Code de la mutualité mutual with broad member base; larger scale and broader product portfolio than Tutélaire.
- Groupama: Major French mutual insurance group (groupama.fr) providing P&C, health, life and savings products through regional mutuelles. Comparable as a large French mutual with prévoyance offerings, though with broader product scope than Tutélaire.
- Matmut: French mutual insurer (matmut.fr) providing auto, home, health, prévoyance and savings products. Comparable as a multi-line French mutual with overlapping prévoyance offering and similar mutual governance structure.
- AG2R La Mondiale: Major French group protection insurer focused on retirement savings, prévoyance, and health for individuals and enterprises. Comparable on retirement savings and prévoyance lines, particularly given Tutélaire's new CAREL Mutuelle retirement book.
- Klesia: French prévoyance, health, and retirement specialist serving corporate and individual customers. Comparable specialization on prévoyance lines (dependency, hospitalization) similar to Tutélaire, but at larger enterprise scale.
- MAIF: Leading French mutual insurer (maif.fr) known for member-owned, mission-driven positioning similar to Tutélaire. Offers prévoyance, health, auto, and home insurance with comparable mutual governance and ACPR oversight.
Direct peers
- Harmonie Mutuelle: Major French health-focused mutual insurer offering complementary health, prévoyance, and dependency coverage. Most directly comparable to Tutélaire on the prévoyance/dependency specialty and partner-distribution model.
- Mutuelle Générale: French mutual insurer offering complementary health, prévoyance, and retirement savings primarily to individuals and civil servants. Closely comparable to Tutélaire on prévoyance/dependency specialty and target customer base of public-sector and individual members.
Others
- Crédit Mutuel Arkéa: French mutual banking group with embedded insurance activities including prévoyance and savings. Comparable as a French mutual ecosystem player, though primarily banking-led; represents an alternative distribution and partnership channel for prévoyance products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Tutélaire social profiles
Digital presenceTutélaire compliance and trust
Trust signalCompliance1 record
Tutélaire financial estimates
Financial estimateRevenue estimate
Valuation estimate
Tutélaire leadership team
Management profileNumber of profiles
Profiles2 records
Tutélaire funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Tutélaire 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 Tutélaire
What does Tutélaire do?
Tutélaire is a French mutual insurance company (mutuelle) selling prévoyance insurance and retirement savings contracts to individuals. Its core products cover dependency/loss of autonomy (TUT'LR and sâge autonomie), hospitalization (Hospiconfort), life accidents (Paxivie), and supplementary retirement savings (Épargne-Retraite). The company also provides reinsurance services to other insurers and operates white-label distribution partnerships with other mutual insurance organizations.
Is Tutélaire a public or private company?
Tutélaire is a private company. It is classified as management employee owned and is currently operating.
When was Tutélaire founded?
Tutélaire was founded in 1907. It employs 11 to 50 people.
Where is Tutélaire based?
Tutélaire is headquartered in Paris, France, in the Europe region.
How does Tutélaire make money?
Three revenue lines are on record. Insurance premiums - Prévoyance is the primary driver. The others are retirement savings management and reinsurance.
Who are Tutélaire's main competitors?
Broad incumbents on record are Malakoff Humanis, MACIF, Groupama, Matmut, AG2R La Mondiale, Klesia and MAIF. Direct peers are Harmonie Mutuelle and Mutuelle Générale. Crédit Mutuel Arkéa is listed as an others.
Does Tutélaire have an API?
No public API is recorded for Tutélaire.
What industry is Tutélaire in?
Tutélaire's product category is Mutual Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity). Its NAICS code is 5241 and its SIC code is 6399.