UNEP

What UNEP does

UNEP (legal name Union Nationale d'Epargne et de Prévoyance), operating commercially as UNEP Diffusion Courtage SAS, is a France-based wholesale insurance and savings distribution platform founded in 2003. Its core function is to provide independent wealth management advisors (CGPI — Conseillers en Gestion de Patrimoine Indépendants) with centralized access to a curated shelf of financial products for distribution to end clients, rather than to manufacture those products itself. The platform aggregates over 700 referenced funds from more than 150 asset management partners, complemented by 15 SCPI and 3 SCI real estate vehicles, and services life insurance (assurance-vie), PER retirement plans, capitalization, structured funds, private equity, discretionary portfolio management (gestion sous mandat), employee savings (épargne salariale), and health/prevoyance products through a partnership with Groupe Alptis.

The product is delivered via the unep-partenaires.fr web platform, a private 'Espace Partenaires' portal, plus recurring content channels including the UNEP Immo newsletter, the 'l'instant éco by UNEP' webinaire series, and a dedicated Studio TV by UNEP video hub. Internally, UNEP is organized around regional partner manager coverage of at least six French macro-regions (Grand-Ouest, Nord/Centre/Paris, IDF/Grand-Est, Rhône-Alpes, Sud-Est, Sud-Ouest) backed by regional middle-office support, operating from its headquarters at 12 rue Clapeyron, 75008 Paris.

The business model is B2B2C: UNEP earns distribution fees and commissions on financial products placed through its 900+ CGPI partner network, which the revenue model characterizes as subscription/recurring in nature. Pricing and per-contract economics are not publicly disclosed. The entity is structured as a French SAS (Société par Actions Simplifiée) with share capital of €100,000, alongside an Association UNEP structure at the same Paris address. Ownership rests within the association; no parent company, external venture/PE backing, public listing, subsidiaries, M&A activity, or funding rounds are disclosed in the available source material.

Name

UNEP

Legal name

Union Nationale d'Epargne et de Prévoyance (UNEP)

Website

https://unep-partenaires.fr

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

UNEP Diffusion Courtage is a France-based wholesale savings, retirement, and insurance distribution platform serving over 900 independent wealth management advisors (CGPI) with access to 700+ funds from 150+ asset management partners.

Ownership category

akta.pro rank

Headquarters

HQ city

Claveyson

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Distribution fees and commissions: UNEP Diffusion Courtage operates as a wholesale insurance and savings distributor, earning fees from the financial products (life insurance, PER retirement accounts, SCPI funds, etc.) distributed through its partner advisor network.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

UNEP Diffusion Courtage operates a wholesale brokerage platform that distributes savings, retirement, and insurance products to independent wealth management advisors (CGPI) across France. It aggregates access to more than 700 referenced funds (including 15 SCPI and 3 SCI), Assurance-vie, PER plans, capitalization, managed mandates, structured funds, private equity, and OPCI vehicles. Revenue is earned via distribution fees and commissions on financial products placed through its advisor partner network.

Product overview

UNEP Diffusion Courtage is a financial services platform serving independent wealth management advisors (Conseillers en Gestion de Patrimoine Indépendants - CGPI) with access to a comprehensive portfolio of savings, retirement, and insurance products. The platform aggregates over 700 referenced funds including 15 SCPI and 3 SCI real estate products, life insurance (Assurance-vie), PER retirement plans, capitalization products, structured funds, and private equity offerings. Services are delivered through a network of 900+ independent advisors across France, with partner relationships with 150+ asset management companies. The offering is distributed via the unep-partenaires.fr platform, supplemented by video content through Studio TV by Unep.

Differentiator

Problem solved

Functional benefit

Products and services

• UNEP Diffusion Courtage platform The primary brokerage platform of UNEP, providing independent wealth management advisors (CGPI) access to a curated selection of savings, retirement, and insurance products from multiple partner providers.
• Assurance-vie Life insurance products offering medium- to long-term investment solutions for wealth accumulation and transmission to beneficiaries, distributed via CGPI partners.
• PER (Plan d'Épargne Retraite) Retirement savings product with tax advantages, part of the UNEP Retraite dedicated pole offering various pension solutions to independent advisor clients.
• Capitalisation Capitalization products for wealth accumulation and optimization of client assets, distributed via UNEP's independent advisor network.
• SCPI (Sociétés Civiles de Placement Immobilier) Real estate investment products offering exposure to property portfolios including offices, retail, hospitality, and diversified sectors, distributed via UNEP CGPI partners.
• SCI (Sociétés Civiles Immobilières) Real estate investment company structures providing property investment opportunities as unit-linked supports within UNEP partner-distributed contracts.
• OPCI (Organismes de Placement Collectif en Immobilier) Collective real estate investment vehicles combining property assets and liquid assets, made available through the UNEP partner platform.
• Fonds structurés (Structured funds) Structured funds offering exposure to various underlying assets with capital protection features, distributed through UNEP's independent advisor network.
• Private Equity funds Private equity fund offerings providing access to non-listed company investments, distributed through UNEP CGPI partners.
• Gestion sous mandat Discretionary portfolio management services where UNEP-managed portfolios are made available to advisor clients through the partner platform.
• Épargne salariale Employee savings schemes including PEE and PERCO with tax-advantaged savings vehicles, offered through the UNEP retraite pole.
• Santé-Prévoyance Health and insurance products covering individual, professional, and collective coverage, offered through UNEP's partnership with Alptis.
• Studio TV by Unep Video content platform providing webinars, interviews, and financial education content for UNEP's independent advisor partners.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• 150+ Asset Management CompaniescoreOthersUNEP Diffusion Courtage has partnerships with over 150 asset management companies (sociétés de gestion), providing access to more than 700 referenced funds, 15 SCPI, and 3 SCI products for its network of independent advisor partners.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Placement-Direct / Mes-Placements.fr: Placement-Direct is a French multi-carrier online broker for assurance-vie, PER and savings products, offering product comparison and distribution similar to UNEP though without UNEP's regional partner-manager model.
• La Française Group: La Française is a French asset and wealth management group with significant CGPI-distributed product range across real estate (SCPI), structured funds, and managed mandates — comparable in product breadth and advisor-channel focus.
• Primonial: Primonial operates a large wealth-management platform serving CGPI advisors in France with assurance-vie, PER, real-estate, and structured products — a comparable multi-provider distribution and product-design business targeting the same advisor channel.
• Linxea: Linxea is a French online insurance and savings broker distributing assurance-vie, PER and savings products from multiple carriers, competing with UNEP for the same end-client wallet, though primarily through a digital/DIY channel rather than CGPI advisors.
• Nortia: Nortia is one of France's leading distribution platforms built specifically for independent wealth management advisors (CGPI), aggregating life-insurance wrappers, PER, SCPI, and funds from multiple providers — directly mirroring UNEP's core offering and target audience.

Others

• Spirica: Spirica is a French life-insurance carrier providing assurance-vie wrappers distributed through CGPI platforms, including UNEP — it sits on the product-provider side of the same value chain that UNEP intermediates.
• Alptis Group: Groupe Alptis is UNEP's affiliated insurance group and the partner through which Santé-Prévoyance products reach UNEP's advisor network — an ecosystem participant rather than direct competitor.

Emerging players

• Yomoni: Yomoni is a French robo-advisor and online wealth manager offering managed-mandate and assurance-vie products directly to consumers — an emerging channel that could disintermediate CGPI-led distribution models over time.

Broad incumbents

• Société Générale Private Banking: Société Générale's private-banking arm distributes wealth and savings products to high-net-worth clients in France, with comparable assurance-vie and structured offerings but a proprietary advisor channel rather than an open CGPI platform.
• BNP Paribas (Wealth Management): BNP Paribas operates a large private-banking and wealth-management franchise offering assurance-vie, PER, and structured products through proprietary and partner channels — a broad incumbent that competes for the same end clients, often via captive networks rather than independent CGPI distribution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/@uneppartenaires

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 UNEP