What Imperio Assurances does

Imperio Assurances (legal entity IMPÉRIO Assurances et Capitalisation S.A., RCS Nanterre 315 383 984) is a French insurance company founded in 1971 as a branch of Portugal's Companhia de Seguros Império and since March 2011 a wholly-owned subsidiary of SMAvie BTP – Groupe SMABTP. The company holds French life, investment, health, and accident insurance licenses and operates a Swiss branch in Lausanne opened in 1996, employing 101–250 staff and headquartered at 10 Place de Belgique, 92250 La Garenne-Colombes. Its product portfolio is organised into three pillars: (i) prévoyance/protection — PRECISO and PRECISO Pro Madelin (individual accident, including Madelin-compliant for self-employed), HOSPITALIS Plus (daily hospital indemnity), EDUCALIA (children's education annuity), Funérailles Plus (family funeral cover at €180/year), SÉRÉNITÉ Plus (whole-life funeral), Protection Familiale (death/PTIA with annuity), and Complémentaire Santé; (ii) savings and retirement — Patrimoine Expansion multi-support life insurance (with Project, Avenir-for-Children, and Retraite variants) combining euro funds and units of account, plus the PER Individuel Império personal pension plan; (iii) property and casualty — auto, multi-risk home, and unpaid-rent guarantee, channelled through the IMPERIO COURTAGE brokerage subsidiary (RCS Nanterre 315 383 984). The core technology is a regulated multi-support life insurance and capitalisation platform with pilot management mandates (Mandat v2 profiles delivering 2.7%–5.8% in 2024) and euro fund returns up to 2.85% in 2025, leveraging SMAvie BTP's investment management infrastructure.

The business model rests on subscription-style recurring premiums (e.g., PRECISO from €13.82/month, HOSPITALIS Plus from €7/month, Patrimoine Expansion from €1,000 free contributions, PER from €50/month), management fees on assets under management, and brokerage commissions on P&C business via IMPERIO COURTAGE. Go-to-market is multi-channel: salaried financial advisors (recruited across Île-de-France, Lyon, Bordeaux), the historical bancassurance partnership with Banque BCP (serving the Portuguese community in France), the SMAvie–Groupe SMABTP advisor network, independent general agents, brokers, and the Courتage subsidiary. The primary customer segment is the Portuguese community in France — Imperio's 50-year reference position and cultural-linguistic specialisation underpin retention — with extensions into the broader French retail market, self-employed professionals (TNS) via Madelin products, and cross-border France–Portugal residents via VICTORIA Seguros. No revenue is publicly disclosed.

Name

Imperio Assurances

Legal name

IMPÉRIO Assurances et Capitalisation S.A.

Website

https://imperio.fr

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

101–250 employees

Short description

Imperio Assurances is a French life, savings, retirement, and prévoyance insurer, founded in 1971 and now a subsidiary of SMAvie BTP–Groupe SMABTP, serving primarily the Portuguese community in France through multi-channel distribution including Banque BCP and a salaried advisor network.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Property and Casualty Insurance Carriers (524126)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

akta.pro secondary industries

Individual AD&D Insurance (Direct-to-Consumer) (FSAIALAC), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Personal insurance products
• Life insurance savings
• Providence protection insurance
• Pension savings plan
• Property casualty insurance

Headquarters

HQ city

Levallois-perret

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance and Savings Premiums: IMPERIO collects insurance premiums from individuals for life insurance, savings (Patrimoine Expansion multi-support contracts), and retirement (PER Individual) products. Revenue is generated through regular premium payments, surrender charges, and management fees on assets under management.
2. Property & Casualty Insurance (via IMPERIO COURTAGE): IMPERIO COURTAGE, the group's brokerage arm, earns commissions from property and casualty insurance products including auto, multirisque habitation, and unpaid rent insurance. Revenue is generated through brokerage commissions paid by partner insurance carriers.
3. Providence/Prévoyance Insurance Premiums: Individual accident, hospitalisation, education annuity, funeral, and family protection insurance products generate premium revenue. Products include PRECISO, PRECISO Pro Madelin, HOSPITALIS Plus, EDUCALIA, Funérailles Plus, Sérénité Plus, and Protection Familiale.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Imperio Assurances is a French life insurance and capitalisation company (Assurances et Capitalisation S.A.) selling personal insurance, savings, retirement, providence, and property & casualty products to individuals, families, and self-employed professionals. Its core portfolio includes multi-support life insurance (Patrimoine Expansion), an individual pension plan (PER), accident and hospitalisation indemnity (PRECISO, HOSPITALIS Plus), family protection (Protection Familiale, Funérailles Plus), and P&C lines (auto, home, unpaid rent) distributed through IMPERIO COURTAGE and a multi-channel advisor network.

Product overview

Imperio Assurances is a French insurance company (subsidiary of SMAvie BTP Group) offering a comprehensive portfolio of personal insurance products organized into three main categories: (1) Prévoyance/Protection products including PRECISO, PRECISO Pro Madelin, HOSPITALIS PLUS, EDUCALIA, ASSURANCE FUNÉRAILLES PLUS, SÉRÉNITÉ PLUS, and PROTECTION FAMILIALE for accident, death, hospitalization, and funeral coverage; (2) Savings and Retirement products including PATRIMOINE EXPANSION (multi-support life insurance with Project, Avenir for Children, and Retraite variants) and PER Individuel Império (individual pension plan); and (3) Property Insurance products including COMPLÉMENTAIRE SANTÉ (health insurance), Assurance Auto, Multirisques Habitation, and Assurance Loyers Impayés offered through IMPERIO COURTAGE brokerage subsidiary. The company primarily serves the Portuguese community in France but has expanded to serve a broader clientele.

Differentiator

Problem solved

Functional benefit

Products and services

• PRECISO Individual accident insurance paying a capital sum plus a monthly annuity for 60 months in case of death or total permanent disability (PTIA) due to accident; available to individual policyholders starting from €13.82/month with optional Assur+ death benefit rider.
• PRECISO Pro Madelin Accident insurance for self-employed workers (TNS) eligible for Madelin law tax benefits, providing a monthly annuity for PTIA or death due to accident with tax-deductible premiums under the Madelin framework.
• HOSPITALIS PLUS Hospitalisation insurance providing a daily fixed indemnity from the first 24 hours of hospitalisation, with 5 indemnity levels (€20 to €60/day), an optional Capital+ death benefit, and bundled access to the Pass Santé Portugal healthcare assistance network.
• EDUCALIA Education annuity insurance that guarantees a €10,000 capital plus a €750/month annuity until the child reaches age 25 in case of parent death or PTIA due to accident.
• ASSURANCE FUNÉRAILLES PLUS Family funeral insurance covering both spouses, children aged 12-18, and both sets of parents for death from any cause under a single contract at €180 per year (€15/month).
• SÉRÉNITÉ PLUS Whole life insurance for funeral expenses with the capital quadrupled in case of accidental death before age 85, including a surrender value option.
• PROTECTION FAMILIALE Family protection insurance covering death or PTIA from illness or accident with a monthly annuity for 60 months and an optional 'Doublement accident' rider that doubles the capital and annuity in case of accident.
• COMPLÉMENTAIRE SANTÉ Supplemental health insurance covering hospitalisation, optical (up to €500), hearing aids, dental, and thermal cures, with optional coverage for private rooms, alternative medicine, and non-reimbursed care; distributed through IMPERIO COURTAGE.
• Patrimoine Expansion Multi-support life insurance contract (euro fund and/or unit-linked) for savings projects, with free contributions from €1,000, programmed contributions, an optional Bonification mechanism adding an extra 13th-month equivalent contribution without entry fees (~9-10% boost), and optional providence riders from €10/month.
• Patrimoine Expansion Avenir Multi-support life insurance savings contract for children, opened by parents or grandparents, with a bonification option and donation possibilities.
• Patrimoine Expansion Retraite Multi-support life insurance for retirement planning with flexible contributions and optional death protection riders.
• PER Individuel Império Individual Pension Savings Plan (PER) with pilot or free management, tax-deductible contributions within legal limits, free contributions from €500, programmed contributions from €50/month, and flexible exit options as capital or annuity; accepts transfers from Madelin, PERP, Préfon, PERCO, and article 83 contracts.
• Assurance Auto Auto insurance with tiered coverage options from third-party to all-risk, including a young driver welcome offer, distributed through IMPERIO COURTAGE brokerage.
• Multirisques Habitation Multi-risk home insurance for owners and tenants covering fire, water damage, theft, natural disasters, and optional coverage for properties in both France and Portugal.
• Assurance Loyers Impayés Rent guarantee insurance covering 100% of unpaid rents (including charges) for up to 30 months, plus legal fees and optional property damage coverage; premiums based on tenant's socio-professional category and effort ratio and fully deductible from rental income.

Quantifiable outcome

• Up to 2.85% yield on euro fund in 2025
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered flagship, core and minor.

• Banque BCPflagshipChannel Partner/ Reseller/ DistributorBanque BCP is IMPERIO's historical bancassurance partner, distributing the company's insurance and savings products through its extensive branch network in France, targeting primarily the Portuguese community.
• SMAvie – Groupe SMABTP Advisor NetworkcoreChannel Partner/ Reseller/ DistributorThe SMAvie – Groupe SMABTP advisor network distributes IMPERIO products alongside SMABTP's own offerings, extending IMPERIO's reach to SMABTP's existing client base across France.
• RNA Medical (Rede Nacional de Assistência)minorStrategic or Co-development PartnerRNA Medical provides the 'Pass Santé Portugal' assistance service bundled with HOSPITALIS Plus insurance, giving policyholders access to a network of Portuguese healthcare professionals (practitioners, hospitals, clinics, laboratories) via a 24/7 telephone service with negotiated fees. RNA Medical is a Portuguese société anonyme headquartered in Algés, Portugal (NIF 509 113 010).
• VICTORIA Seguros (Groupe SMABTP)minorChannel Partner/ Reseller/ DistributorVICTORIA Seguros, a Portuguese subsidiary of Groupe SMABTP, partners with IMPERIO COURTAGE to enable property insurance coverage for French clients owning real estate in Portugal.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AXA France: French personal and commercial insurance arm of the AXA Group, the country's leading broad-line insurer. Comparable to Imperio as a benchmark competitor in life, providence, and P&C, but with substantially greater capital, brand investment, and digital infrastructure.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, one of the largest French bancassurance operators through Predica and Pacifica. Comparable as a bancassurance-led multi-channel insurer distributing life, providence, and P&C through bank branches and partner networks — the scale archetype that Imperio's BCP partnership aspires to.
• BNP Paribas Cardif: Global insurance arm of BNP Paribas, distributing savings, protection, and credit insurance through BNP Paribas bank branches and external partners. Comparable to Imperio on the bancassurance-plus-broker distribution model and on multi-line protection and savings portfolio.
• SMAvie BTP – Groupe SMABTP: Parent company and major French mutualist insurer focused on construction and broader personal lines. Directly comparable to Imperio as both are mutualist-rooted, multi-product French insurers; SMABTP provides the asset management and reinsurance back-office that Imperio relies on.
• Société Générale Assurances: Insurance arm of Société Générale, distributing life, health, and P&C products through Société Générale branches and partner networks. Comparable to Imperio on bancassurance-led distribution and on life/savings product mix, albeit at far greater scale.

Direct peers

• CNP Assurances: France's leading life and personal lines insurer with deep bancassurance distribution (historically via La Banque Postale, Groupe BPCE). Directly comparable to Imperio on life insurance savings, providence, and bancassurance model — operates on much larger scale but shares the bancassurance-led life insurance DNA.
• Suravenir: Life insurance subsidiary of Crédit Mutuel Arkéa, distributing multi-support savings and retirement contracts through partner banks and brokers. Comparable to Imperio in that it operates as a dedicated life insurer feeding a broader banking group, with similarly scaled product catalogue and bank-distribution model.
• La France Mutualiste: French mutualist insurer offering savings, retirement, and funeral/end-of-life products to individuals via its own advisor network. Closely comparable to Imperio on mutualist heritage, funeral-protection (obsèques) products, and individual savings and retirement positioning.
• VICTORIA Seguros: Portuguese insurer and SMABTP Group subsidiary. It is the in-Portugal arm of the same corporate family that owns Imperio, directly comparable for cross-border property, health, and life insurance products sold to French residents with Portuguese ties.
• April Group: French insurance brokerage group distributing health, P&C, and providence products via a network of partner brokers. Directly comparable to IMPERIO COURTAGE's role within the Imperio group — both are insurance broker/agent-led models placing coverage with carrier partners rather than underwriting directly.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/imperio_fr
• Facebookfacebook.com/ImperioAssurancesfr
• LinkedInlinkedin.com/company/imperio

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 Imperio Assurances