Placement-direct.fr

What Placement-direct.fr does

Placement-direct.fr, operated by SAS Placement Direct, is a French online insurance brokerage founded in 1999 and headquartered at 93 avenue Charles de Gaulle, Neuilly-sur-Seine. The company operates a digital-first platform that aggregates and distributes exclusive savings and retirement products for French individual savers and mass-affluent investors, with no physical branches. Its product portfolio comprises four proprietary multi-support life insurance contracts (Placement-direct Euro+, Placement-direct Vie, Placement-direct Essentiel, Placement-direct Patrimoine) plus the historic Afer contract; two PER retirement savings plans (PER Placement-direct, Placement-direct Retraite ISR); a Super Livret savings account and a compte à terme term deposit distributed in partnership with CFCAL-Banque (Crédit Mutuel Arkéa); and three zero-entry-fee SCPI products (Mistral Sélection, Remake Live, Iroko Zen).

The platform is built around a fully online subscription flow, a client dashboard for contract management and arbitrage operations, automated SCPI subscription and programmed contribution processing, and embedded telephone advisory and live chat support. Underlying insurance contracts are underwritten by SwissLife Assurance et Patrimoine, SwissLife Assurance Retraite, Generali Vie, Garance, and Abeille Assurances, with the AGIS association providing the group-contract framework for Euro+ and PER products. The company is a subsidiary within the Swiss Life Group ecosystem, operates with 11-50 employees, and is registered with ORIAS as an insurance broker (number 07 004 910).

Placement-direct.fr monetizes primarily through recurring distribution commissions (trailes d'apporteur) earned from insurer partners on premiums underwritten and assets under management, supplemented by referral fees on banking products and ongoing management fees on SCPI. The pricing model is anchored on 0% entry fees across all product lines and annual management fees of 0.475%-0.60% on life insurance and PER products, positioning the platform among the lowest-cost distributors in the French market. The company is restricted to customers fiscally domiciled in France, has built its customer base over more than 25 years of continuous operation, and has accumulated 13+ industry awards between 2024 and 2026 from leading French financial publications.

Name

Placement-direct.fr

Legal name

SAS Placement Direct

Website

https://placement-direct.fr

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

Placement-direct.fr is a French digital insurance brokerage, in operation since 1999 and part of the Swiss Life Group, distributing exclusive low-fee life insurance, PER retirement, SCPI, and savings products directly online to French individual savers.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Online insurance brokerage
• Life insurance distribution
• Retirement savings plans
• Savings account products
• Real estate investment funds

Headquarters

HQ city

Levallois-perret

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Vie Distribution Commissions: Placement-direct.fr acts as an insurance broker distributing life insurance products (Placement-direct Vie, Euro+, Essentiel, Patrimoine, Afer) underwritten by partner insurers. The company earns distribution commissions (traites d'apporteur) from insurers based on premiums underwritten, representing the primary revenue stream.
2. PER (Pension) Distribution Commissions: Distribution of PER products (PER Placement-direct, Placement-direct Retraite ISR) underwritten by SwissLife Assurance Retraite and UMR, generating trail commissions on assets under management.
3. Banking Product Distribution (Super Livret & Compte à Terme): Distribution of the Super Livret (savings account) and compte à terme (term deposit) in partnership with CFCAL-Banque (Crédit Mutuel Arkéa subsidiary), earning referral or distribution fees from the banking partner.
4. SCPI Distribution: Distribution of SCPI products (Mistral Sélection, Remake Live, Iroko Zen) with no entry fees, generating revenue through ongoing management fees charged by SCPI management companies rather than upfront entry fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Placement-direct.fr is an online insurance brokerage that distributes a portfolio of exclusive life insurance contracts (assurance vie), retirement savings plans (PER), savings accounts (Super Livret), term deposits (compte à terme), and SCPI real estate funds to individual French savers. Insurance products are underwritten by partner insurers (SwissLife, Generali, Garance, Abeille Assurances, UMR) under exclusive distribution agreements, while banking products are held at partner bank CFCAL. All products are subscribed and managed entirely online through the company's digital platform, with no physical branch requirement.

Product overview

Placement-direct.fr is an online savings broker offering a portfolio of exclusive financial products. Its core offering centers on four proprietary life insurance contracts (Placement-direct Euro+, Placement-direct Vie, Placement-direct Essentiel, Placement-direct Patrimoine) distributed alongside the historic Afer contract, all featuring low-fee structures. The company also offers two exclusive PER (retirement savings plan) products (PER Placement-direct and Placement-direct Retraite ISR), a Super Livret savings account, a term deposit account, and three SCPI products in direct distribution with no entry fees (Mistral Sélection, Remake Live, Iroko Zen). Products are insured by partners including SwissLife Assurance et Patrimoine, Generali Vie, Garance, Abeille Assurances, and UMR, with banking products held at CFCAL (Crédit Mutuel Arkéa).

Differentiator

Problem solved

Functional benefit

Brands

• Placement-direct Vie: Insurance life contract with low fees offering access to over 1,300 investment supports including 300 direct stocks.
• Placement-direct Essentiel
• Placement-direct Patrimoine
• Placement-direct Euro+
• PER Placement-direct
• Super Livret Placement-direct
• Compte à terme Placement-direct

Products and services

• Placement-direct Euro+ Exclusive multi-support life insurance contract offering access to a new-generation euro fund with guaranteed capital, requiring a minimum 30% allocation to unit-linked funds. Underwritten by SwissLife Assurance et Patrimoine.
• Placement-direct Vie Online life insurance contract with reduced fees offering access to over 1,300 investment supports including 300 direct stocks in discretionary management. Underwritten by SwissLife Assurance et Patrimoine.
• Placement-direct Essentiel Exclusive online life insurance contract at reduced fees providing access to a wide and diversified investment universe, including Eurossima and Netissima euro funds. Underwritten by Generali Vie.
• Placement-direct Patrimoine Online life insurance combining a reference euro fund with a selection of diversification supports including SCPI with no entry fees, featuring three management modes: free, managed, and horizon-profiled. Underwritten by Garance.
• Afer Reference life insurance contract of an association with nearly 760,000 members, offering a guaranteed euro fund and diversified unit-linked supports. Underwritten by Abeille Assurances (Abeille Vie).
• PER Placement-direct Exclusive retirement savings plan (PER) with very low fees, providing access to approximately 1,000 unit-linked supports and three retirement piloting formulas: serenity, harmony, and ambition. Underwritten by SwissLife Assurance Retraite.
• Placement-direct Retraite ISR PER retirement savings plan focused on responsible investing, with all unit-linked supports bearing the ISR label and exclusively composed of Article 9 funds in managed and horizon-based management. Underwritten by UMR.
• Super Livret Placement-direct Online savings account offering a boosted rate of 5.50% gross annual for 2 months (up to €200,000), then 2.00%, with no opening or management fees. Deposits held at CFCAL, a subsidiary of Crédit Mutuel Arkéa.
• Compte à terme Placement-direct Online term deposit account with guaranteed fixed rates ranging from 2.00% to 2.60% annual gross depending on the chosen duration (1 to 5 years), with no fees and deposits held at CFCAL.
• Mistral Sélection ISR-labeled SCPI investing exclusively in the euro zone with an opportunistic strategy targeting diverse real estate assets, with 0% entry fees, part price of €180, and 4-month jouissance delay. Managed by Swiss Life Asset Managers France.
• Remake Live Modern responsible-yield SCPI investing in France and Europe targeting urban transformation and asset revaluation, with 0% entry fees, part price of €204, and 3-month jouissance delay. Managed by Remake Asset Management.
• Iroko Zen ISR-labeled SCPI with an opportunistic strategy and intelligent geographic diversification across several European countries (France, Germany, Spain, Ireland, Netherlands), offering 0% entry fees, part price of €204, and 3-month jouissance delay. Managed by Iroko.

Quantifiable outcome

• Euro fund yield of 3.60% in 2025 on Placement-direct Euro+ (net of fees, before social and fiscal contributions)
• +8 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• SwissLife Assurance et PatrimoinecoreStrategic or Co-development PartnerSwissLife Assurance et Patrimoine is the insurer of Placement-direct Euro+ and Placement-direct Vie, two of Placement-direct.fr's exclusive proprietary contracts. Swiss Life is a leading French insurance and wealth management group. The partnership involves exclusive product development and distribution, with SwissLife providing the insurance framework and Placement-direct.fr handling digital distribution and customer acquisition.
• SwissLife Assurance RetraitecoreStrategic or Co-development PartnerSwissLife Assurance Retraite underwrites the PER Placement-direct, Placement-direct.fr's exclusive PER product. The contract offers over 1,000 unit-linked investment options with very low fees (0.6% annual management).
• Generali ViecoreStrategic or Co-development PartnerGenerali Vie underwrites Placement-direct Essentiel, an exclusive multi-support insurance vie contract offered at very low fees (0.60%-0.75% annual management), providing access to over 800 investment supports.
• GarancecoreStrategic or Co-development PartnerGarance (a mutual insurance group) underwrites Placement-direct Patrimoine, an exclusive insurance vie product combining a euro fund with SCPI investments at 0% entry fees and low management fees (0.5%-0.6% annually).
• Abeille Assurances (Abeille Vie, Abeille Epargne Retraite)coreStrategic or Co-development PartnerAbeille Assurances underwrites the Afer insurance vie contract, one of France's most established life insurance products with nearly 760,000 members and over 40 years of history. Placement-direct.fr distributes this contract alongside its proprietary products.
• CFCAL-Banque (Crédit Mutuel Arkéa)coreChannel Partner/ Reseller/ DistributorCFCAL-Banque (Crédit Foncier Communal d'Alsace et de Lorraine-Banque), a subsidiary of Crédit Mutuel Arkéa, is the banking partner for the Super Livret Placement-direct (savings account) and compte à terme (term deposit) products. Customer deposits are held at CFCAL, which handles the banking infrastructure and regulatory obligations.
• Association AGIS (Association Générale Interprofessionnelle de Solidarité)coreStrategic or Co-development PartnerAssociation AGIS is the association through which Placement-direct Euro+ and PER Placement-direct are underwritten as group insurance contracts. Members pay an association fee (€10 for Euro+, €25 for PER) and benefit from group contract terms negotiated by the association.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Fortuneo Banque: Fortuneo is a Crédit Mutuel Arkéa-owned online bank distributing life insurance, savings accounts, and investment products to French retail customers—comparable as a broad digital distribution incumbent with overlapping savings product categories.
• Boursorama Banque: Boursorama Banque is France's leading online bank (Société Générale subsidiary) and distributes life insurance, PER, and savings accounts to a large individual customer base—overlapping with Placement-direct.fr but as part of a broader banking and brokerage offering rather than a specialist.
• BforBank: BforBank is the Crédit Agricole online bank serving French retail customers with savings, life insurance, and investment products—an established digital distribution incumbent in the same customer segment.
• Monabanq: Monabanq is a French online bank distributing savings and life insurance products to individual savers, comparable as a digital-first incumbent sharing Placement-direct.fr's mass-market retail savings and insurance customer profile.

Emerging players

• Yomoni: Yomoni is a French robo-advisor that distributes life insurance mandates to French retail savers via a fully digital platform—overlapping with Placement-direct.fr's digital-first retail distribution model but with a managed-portfolio approach rather than multi-carrier choice.
• Nalo: Nalo is a French fintech offering automated savings and life insurance wrappers to individual savers through a digital platform, competing in the same retail savings distribution category with a robo-advisory overlay.

Direct peers

• Linxea: Linxea is a French online insurance broker specializing in life insurance and PER distribution with proprietary low-fee contracts, the most direct head-to-head competitor to Placement-direct.fr in the online assurance vie and PER distribution model.
• MeilleurtauxPlacement: MeilleurtauxPlacement is the online savings brokerage arm of the Meilleurtaux group, distributing life insurance and PER contracts in France with a digital-first model targeting individual savers, comparable in customer profile and product mix.
• Mes-Placements.fr: Mes-Placements.fr is a French online savings broker offering life insurance, PER, SCPI, and savings accounts through a digital platform—matching Placement-direct.fr's product breadth across insurance, retirement, and real estate paper.
• Assurancevie.com: Assurancevie.com is a French online life insurance comparator and broker, distributing multi-carrier life insurance contracts to French retail savers; directly comparable in distribution channel and target segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/placementdirect

Revenue estimate

Valuation estimate

Number of profiles

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 Placement-direct.fr