Cmonassurance
Cmonassurance (Alptis Direct) is a French online insurance broker distributing health, loan, and provident products from 15+ insurer partners through a quote-comparison website, 25 telephone advisors in Lyon, and aggregator partnerships, serving individual consumers, seniors, self-employed professionals, Swiss cross-border workers, and SMEs across France.
- Company typePrivate
- Founded2007
- HeadquartersLyon, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Cmonassurance does
Cmonassurance (legal entity: Alptis Direct, SAS) is a French online insurance brokerage founded in 2007 and headquartered at 25 cours Albert Thomas, Lyon. It operates as the captive digital distribution arm of Alptis Assurances, a mutual insurance network founded in 1976 that protects more than 350,000 policyholders across France. The company distributes a portfolio of eight core personal-insurance products — including individual and group health insurance (Mutuelle Santé, Mutuelle Frontalier Suisse, Mutuelle Entreprise), loan insurance, self-employed provident coverage, funeral insurance, death capital insurance, and dependency insurance — through a combination of an online quote-comparison platform (c-mon-assurance.com) with electronic signature subscription, a 25-advisor telephone sales team operating Monday–Friday 9h–19h, walk-in consultations at the Lyon office, and placement on third-party aggregators LesFurets.com and mutuelle.fr.
Cmonassurance earns commission revenue by brokering policies from a panel of 15+ partner insurers, including Alptis, SwissLife, April, Viasanté Mutuelle, Miltis, MetLife, Utwin, Assuréa, Afi-Esca, Cardif (BNP Paribas Cardif), and Néoliane. Pricing is individualized per profile and chosen insurer; no public price list exists and free consultation is the entry point. The platform is operated entirely from Lyon with 25 staff, holds ISO 9001 quality certification, and reports a 4.8/5 eKomi customer rating and 95% client satisfaction among subscribers. There is no disclosed AI/ML capability, no mobile app, no public API, no funding rounds, and no M&A activity — the company operates as a tightly scoped, advisor-led digital brokerage within the Alptis group.
Cmonassurance firmographics
Firmographics- Name
- Cmonassurance
- Legal name
- Alptis Direct
- Website
- https://c-mon-assurance.com
- Company type
- Private
- Founded year
- 2007
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cmonassurance (Alptis Direct) is a French online insurance broker distributing health, loan, and provident products from 15+ insurer partners through a quote-comparison website, 25 telephone advisors in Lyon, and aggregator partnerships, serving individual consumers, seniors, self-employed professionals, Swiss cross-border workers, and SMEs across France.
- Ownership category
- akta.pro rank
Cmonassurance industry classification
Industry- Product category
- Insurance Brokerage
- NAICS
- Insurance Agencies and Brokerages (52421), 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)
Keywords
Where Cmonassurance is headquartered
LocationHeadquarters
- HQ city
- Lyon
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Cmonassurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations
Revenue model
- Insurance Brokerage Commissions: Cmonassurance acts as an insurance broker distributing products from 15+ partner insurers and earns commissions on each contract sold and renewed. The company is a subsidiary of Alptis Assurances and distributes Alptis, SwissLife, April, Viasanté, Miltis, MetLife, Utwin, Assuréa, Afi-Esca, Cardif, and Néoliane insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personalized insurance contracts tailored to individual needs |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Cmonassurance product offering
Product offeringCore offering
Cmonassurance (legal name: Alptis Direct) is a French online insurance broker and subsidiary of Alptis Assurances that distributes health, loan, and provident insurance products from 15+ partner insurers. The platform enables individual consumers and small businesses in France to compare policies online and subscribe with the assistance of licensed insurance advisors. It serves as a multi-carrier digital brokerage channel for personal insurance lines.
Product overview
Cmonassurance is a French online insurance broker (courtier en assurance) offering a portfolio of 8 core insurance products centered on health, loan protection, and provident coverage. The flagship offering is individual health insurance (Mutuelle Santé), supplemented by specialized products for Swiss cross-border workers, company group plans, loan insurance, self-employed provident coverage, funeral insurance, death capital insurance, and dependency insurance. All products are distributed through the company's website with integrated online quote comparison tools and telephone advisory services from 25 advisors based in Lyon.
Differentiator
Problem solved
Functional benefit
Products and services
- Mutuelle santé (Health insurance)
Quantifiable outcome
- 95% of clients who subscribed through Cmonassurance report being satisfied with the service
- +1 more outcomes
Companies that use Cmonassurance
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles2 records
Cmonassurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Cmonassurance partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Alptis AssurancescoreAlptis Assurances is the parent company of Cmonassurance (Alptis Direct). Created in 1976, Alptis is a network of associations protecting 350,000+ policyholders. Cmonassurance distributes Alptis insurance products and operates from Alptis headquarters in Lyon.
- SwissLifeminorSwissLife is one of the insurance brands distributed by Cmonassurance. Customers selecting SwissLife products on partner comparison sites are handled by Cmonassurance.
- AprilminorApril is one of the insurance partner brands available through Cmonassurance's comparison platform.
- Viasanté Mutuelle (formerly Mutuelle Bleue)minorViasanté Mutuelle (formerly Mutuelle Bleue) is one of the insurance partner brands available through Cmonassurance.
- MiltisminorMiltis is an insurance brand distributed by Cmonassurance. The Luminéis product is offered through Cmonassurance and displayed on major comparison sites.
- MetLifeminorMetLife is one of the insurance partner brands available through Cmonassurance's distribution network.
- UtwinminorUtwin is one of the insurance partner brands distributed by Cmonassurance.
- AssuréaminorAssuréa is one of the insurance partner brands distributed by Cmonassurance.
- Afi-EscaminorAfi-Esca is one of the insurance partner brands available through Cmonassurance.
- CardifminorCardif (BNP Paribas Cardif) is one of the insurance partner brands distributed by Cmonassurance, specializing in loan insurance products.
- NéolianeminorNéoliane is one of the insurance partner brands available through Cmonassurance.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
Cmonassurance competitors and assessment
Company assessmentDirect peers
- Magnolia.fr: French online health insurance broker specializing in mutuelle comparators and personalized advisory. Closely mirrors Cmonassurance's hybrid digital-plus-human model for individual health coverage.
- Mutuelle.fr: French mutuelle santé comparison and brokerage site. Competes directly with Cmonassurance for individual health insurance shoppers and is also a distribution channel for its products.
- LesFurets.com: Leading French insurance comparison aggregator across health, auto, home, and loan insurance. LesFurets is both a competitor (its own brokerage funnel) and a traffic source for Cmonassurance's products.
- Meilleurtaux.com: Major French multi-product comparison platform (insurance, credit, banking). Comparable through its insurance brokerage operations and overlapping target customers.
- Selectra: French comparison and subscription service spanning energy, telecom, insurance, and banking. Overlaps with Cmonassurance in the comparator-plus-phone-advisory motion for health and provident insurance.
- LeLynx.fr: French insurance comparison aggregator backed by Adéo. Directly competes for online-insurance-shopper intent across the same product set as Cmonassurance.
- Hyperassur: French online insurance comparison platform focused on mutuelle santé, auto, home, and loan products. Directly comparable in the aggregator-to-broker distribution model that Cmonassurance uses.
Broad incumbents
- Alptis Assurances: Parent mutual insurance group of Cmonassurance, founded in 1976 with 350,000+ policyholders. Operates broader insurance activities including its own direct distribution that overlaps with the Cmonassurance proposition.
- SwissLife France: Major French life, health, and provident insurer and one of Cmonassurance's carrier partners. Comparable as a broad incumbent in the same French personal-insurance categories.
Emerging players
- Alan: French digital-native health insurer offering direct-to-consumer and SME health plans. Not a broker, but attacks the same customer segments Cmonassurance serves with a fully digital, lower-cost model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks7 records
Key highlights7 records
Customer concentration
Cmonassurance social profiles
Digital presenceCmonassurance compliance and trust
Trust signalCompliance1 record
Cmonassurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cmonassurance leadership team
Management profileNumber of profiles
Profiles2 records
Cmonassurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cmonassurance 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 Cmonassurance
What does Cmonassurance do?
Cmonassurance (legal name: Alptis Direct) is a French online insurance broker and subsidiary of Alptis Assurances that distributes health, loan, and provident insurance products from 15+ partner insurers. The platform enables individual consumers and small businesses in France to compare policies online and subscribe with the assistance of licensed insurance advisors. It serves as a multi-carrier digital brokerage channel for personal insurance lines.
Is Cmonassurance a public or private company?
Cmonassurance is a private company. It is classified as corporate owned and is currently operating.
When was Cmonassurance founded?
Cmonassurance was founded in 2007. It employs 11 to 50 people.
Where is Cmonassurance based?
Cmonassurance is headquartered in Lyon, France, in the Europe region.
How does Cmonassurance make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Cmonassurance's main competitors?
Direct peers on record are Magnolia.fr, Mutuelle.fr, LesFurets.com, Meilleurtaux.com, Selectra, LeLynx.fr and Hyperassur. Broad incumbents are Alptis Assurances and SwissLife France. Alan is listed as an emerging player.
Does Cmonassurance have an API?
No public API is recorded for Cmonassurance.
What industry is Cmonassurance in?
Cmonassurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators). Its NAICS code is 52421 and its SIC code is 6411.