AssuranceVie.com
AssuranceVie.com (Lucya SAS) is a French online insurance brokerage that distributes life insurance, PER, and capitalisation contracts from six major insurers (AXA, Cardif, Suravenir, Generali, Abeille, CNP) directly to individual French retail investors via a digital subscription platform.
- Company typePrivate
- Founded2010
- HeadquartersÉtretat, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What AssuranceVie.com does
AssuranceVie.com is the consumer-facing online brand of Lucya SAS, a privately held French insurance brokerage (courtier en assurance) and financial investment advisor (CIF) headquartered at 13 rue d'Uzès, Paris. Founded in 2010, the company distributes life insurance, PER (Plan d'Épargne Retraite), and capitalisation contracts entirely through a direct-to-consumer digital channel, acting as an intermediary between individual French investors and partner insurance carriers including AXA, Cardif Assurance Vie, Suravenir, Generali Vie, Abeille Vie, and CNP Assurances. Its product portfolio comprises six life insurance contracts (notably Puissance Avenir with 700+ unit-linked options), three PER contracts, and one capitalisation contract, with full online electronic-signature subscription available on select products and phone, email, and in-person advisory support as backup channels.
The core technology is a web-based distribution platform with electronic signature via SMS, PDF dynamic subscription flows, and an online documentation request pipeline; no mobile app, public API, or proprietary AI layer is present. Revenue is generated exclusively through affiliate/referral commissions paid by partner insurers for distributed contracts, with 0% entry fees on most products and fund management fees ranging from 0.60% to 3% depending on the underlying euro fund. The customer base is a horizontal long tail of individual French retail investors seeking savings accumulation, tax-optimized retirement preparation, and capital transmission; the model targets both new and experienced savers through self-serve and advised journeys.
Lucya is privately held with €2,200,000 in share capital, 11-50 employees, no institutional investor backing, and no disclosed M&A activity. In 2023, the Lucya group ranked 1st for financial independence and growth among the Top 10 'courtiers vie et épargne' established by La Tribune de l'Assurance, and in 2026 the brand was consolidated under the Lucya identity as the company expanded its carrier panel with CNP Assurances and built out delegated-management (gestion sous mandat) offerings.
AssuranceVie.com firmographics
Firmographics- Name
- AssuranceVie.com
- Legal name
- Lucya SAS
- Website
- https://assurancevie.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- AssuranceVie.com (Lucya SAS) is a French online insurance brokerage that distributes life insurance, PER, and capitalisation contracts from six major insurers (AXA, Cardif, Suravenir, Generali, Abeille, CNP) directly to individual French retail investors via a digital subscription platform.
- Ownership category
- akta.pro rank
AssuranceVie.com industry classification
Industry- Product category
- Life Insurance Brokerage
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
Keywords
Where AssuranceVie.com is headquartered
LocationHeadquarters
- HQ city
- Étretat
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
AssuranceVie.com business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Product Distribution Commissions: Lucya operates as an insurance brokerage (courtier en assurance) and financial investment advisor (CIF), earning commissions from insurance companies for distributing their life insurance, PER, and capitalisation products. The company acts as an intermediary between customers and insurer partners (AXA, Cardif, Suravenir, Generali, Abeille).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Insurance and savings products distributed on behalf of partner insurers |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
AssuranceVie.com product offering
Product offeringCore offering
AssuranceVie.com is an online insurance brokerage distributing life insurance (assurance vie), pension savings plans (PER), and capitalization contracts from partner insurers (AXA, Cardif, Generali, Suravenir, Abeille, CNP). The platform offers reduced-fee contracts with both self-directed (gestion libre) and mandate-based (gestion pilotée/déléguée) management, euro funds, and access to over 700 unit-linked investment options including OPCVM, ETFs, SCPI, SCI, and OPCI.
Product overview
AssuranceVie.com is an online insurance and savings broker distributing life insurance (assurance vie), pension savings plans (PER), and capitalization contracts through partnerships with major French insurers. The product portfolio consists of six life insurance contracts (Lucya by AXA, Lucya Cardif, Lucya CNP, Lucya Abeille, Puissance Avenir, and Puissance Sélection), three PER contracts (Lucya Cardif PER, Lucya Abeille PER, and Suravenir PER), and one capitalization contract (Puissance Avenir Capitalisation). These products are distributed exclusively through the online platform with reduced fees, offering both libre (self-directed) and mandate-based (managed) investment options with access to euro funds, unit-linked funds including SCPI, SCI, OPCI, and ETF investments.
Differentiator
Problem solved
Functional benefit
Brands
- Lucya by AXA: Life insurance contract insured by AXA France Vie, distributed online
- Lucya Cardif
- Lucya Abeille
- Puissance Avenir
- Puissance Sélection
- Lucya Cardif PER
- Lucya Abeille PER
- Suravenir PER
- Puissance Avenir Capitalisation
Products and services
- Lucya by AXA A multi-support life insurance contract insured by AXA France Vie, distributed online at reduced fees, offering both self-directed (gestion libre) and delegated management options to individual French investors seeking savings accumulation and capital transmission.
- Lucya Cardif A group life insurance contract insured by Cardif Assurance Vie, offering euro funds and unit-linked investment options with multiple management modes for individual investors.
- Lucya CNP A life insurance contract insured by CNP Assurances, distributed online with reduced fees for individual French investors.
- Lucya Abeille A multi-support group life insurance contract insured by Abeille Vie, offering euro funds and unit-linked supports with both free and managed investment options to individual investors.
- Puissance Avenir An individual multi-support life insurance contract managed by Suravenir, featuring two euro funds (Suravenir Rendement 2 and Suravenir Opportunités 2) and over 700 unit-linked options including SCPI, SCI, OPCI, and ETF funds.
- Puissance Sélection A multi-support individual life insurance contract insured by Generali Vie, offering two euro funds (Netissima and Eurossima), over 300 investment supports, and approximately 70 ETFs.
- Lucya Cardif PER A pension savings plan (Plan d'Épargne Retraite) contract subscribed through UFEP and insured by Cardif Retraite, offering tax advantages for retirement savings with flexible withdrawal options.
- Lucya Abeille PER A group pension savings plan subscribed through APACTE and insured by Abeille Retraite Professionnelle, providing retirement savings with tax benefits and multiple investment options.
- Suravenir PER A multi-support group insurance contract linked to professional activity cessation, managed by Suravenir, offering pension savings with euro funds and unit-linked investment options.
- Puissance Avenir Capitalisation An individual multi-support capitalization contract managed by Suravenir, offering two euro funds and nearly 700 unit-linked options for wealth optimization and succession planning.
Companies that use AssuranceVie.com
Customer profileSegments1 record
Ideal customer profiles1 record
AssuranceVie.com technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AssuranceVie.com partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- AXA France ViecoreAXA France Vie provides the insurance backing for the Lucya by AXA life insurance contract. Assurancevie.com distributes this contract as part of its product lineup. The contract is a group insurance policy subscribed through Association AXIVA.
- Cardif Assurance Vie (BNP Paribas Cardif)coreCardif Assurance Vie, part of BNP Paribas Cardif, provides insurance for Lucya Cardif (life insurance) and Lucya Cardif PER (retirement savings). UFEP (Union Française d'Épargne et de Prévoyance) is the subscriber association.
- SuravenircoreSuravenir (Arkéa group) manages multiple contracts distributed by Assurancevie.com including Puissance Avenir (life insurance), Puissance Avenir Capitalisation, and Suravenir PER. The company is a Société Anonyme with capital of €1,235,000,000.
- Generali ViecoreGenerali Vie insures the Puissance Sélection life insurance contract. The company is part of the Generali Group, one of the largest insurance groups in Europe.
- Abeille ViecoreAbeille Vie provides insurance for Lucya Abeille (life insurance) and Lucya Abeille PER. The company is a major French insurance provider, with ADER as the subscriber association for the group policy.
- CNP AssurancescoreCNP Assurances provides insurance for the Lucya CNP life insurance contract, distributed exclusively through Assurancevie.com.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
AssuranceVie.com competitors and assessment
Company assessmentEmerging players
- Mon Petit Placement: Mon Petit Placement is a French online investment platform offering life insurance-backed portfolios with low entry fees to retail investors. Comparable in digital distribution of assurance vie products aimed at the mass-affluent French saver.
- Nalo: Nalo is a French online wealth management platform offering life insurance and PEA-based managed portfolios to individual investors. Comparable as a digital-first savings and investment platform targeting the same French retail savings market.
- Yomoni: Yomoni is a French robo-advisor managing assurance vie portfolios with automated allocation strategies. Comparable in that it uses digital channels and life insurance wrappers to serve individual French savers, though it manages assets directly rather than brokering multiple insurers.
Direct peers
- Linxea: Linxea is one of the largest French independent online life insurance and PER brokers, distributing multi-carrier contracts (Linxea Spirit, Linxea Spirit 2, Linxea PER) from insurers including Apicil, Generali, and Spirica. Direct head-to-head competitor to Assurancevie.com in digital brokerage of assurance vie and PER.
- Boursorama Banque: Boursorama Banque (Société Générale subsidiary) distributes Boursorama Vie, a flagship online life insurance contract, leveraging its online banking customer base. Direct competitor in reduced-fee digital life insurance distribution in France.
- Placement-direct.fr: Placement-direct.fr is a French online broker specializing in assurance vie, PER, and capitalisation contracts with reduced fees, distributed in partnership with insurers such as Suravenir. Closely comparable in product mix, target audience, and digital distribution model.
- Fortuneo Banque: Fortuneo (Crédit Mutuel Arkéa group) offers online banking alongside Fortuneo Vie, a multi-support life insurance contract. Comparable as a digital-first distributor of life insurance products to French retail savers.
Broad incumbents
- Spirica: Spirica is a French life insurance carrier (Crédit Agricole Assurances subsidiary) that distributes contracts both directly and via online brokers like Linxea. Comparable as the underlying insurance carrier on contracts distributed through Assurancevie.com-style brokers.
- Meilleurtaux: Meilleurtaux is an established French financial comparison and brokerage platform covering life insurance, mortgage, credit, and savings products. Comparable as a broader incumbent insurance and savings intermediary, but with a much wider product scope than Assurancevie.com.
Others
- Suravenir: Suravenir (Arkéa group) is a major French life insurance carrier that underwrites multiple Assurancevie.com contracts including Puissance Avenir and Suravenir PER. Comparable as both a supplier/partner and an indirect competitor via Suravenir's own direct distribution channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
AssuranceVie.com social profiles
Digital presenceAssuranceVie.com financial estimates
Financial estimateRevenue estimate
Valuation estimate
AssuranceVie.com leadership team
Management profileNumber of profiles
Profiles1 record
AssuranceVie.com funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
AssuranceVie.com 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 AssuranceVie.com
What does AssuranceVie.com do?
AssuranceVie.com is an online insurance brokerage distributing life insurance (assurance vie), pension savings plans (PER), and capitalization contracts from partner insurers (AXA, Cardif, Generali, Suravenir, Abeille, CNP). The platform offers reduced-fee contracts with both self-directed (gestion libre) and mandate-based (gestion pilotée/déléguée) management, euro funds, and access to over 700 unit-linked investment options including OPCVM, ETFs, SCPI, SCI, and OPCI.
Is AssuranceVie.com a public or private company?
AssuranceVie.com is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was AssuranceVie.com founded?
AssuranceVie.com was founded in 2010. It employs 11 to 50 people.
Where is AssuranceVie.com based?
AssuranceVie.com is headquartered in Étretat, France, in the Europe region.
How does AssuranceVie.com make money?
One revenue line is on record: insurance Product Distribution Commissions.
Who are AssuranceVie.com's main competitors?
Emerging players on record are Mon Petit Placement, Nalo and Yomoni. Direct peers are Linxea, Boursorama Banque, Placement-direct.fr and Fortuneo Banque. Broad incumbents are Spirica and Meilleurtaux. Suravenir is listed as an others.
Does AssuranceVie.com have an API?
No public API is recorded for AssuranceVie.com.
What industry is AssuranceVie.com in?
AssuranceVie.com's product category is Life Insurance Brokerage. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms. Its NAICS code is 5242 and its SIC code is 6411.