Abela

What Abela does

Abela is an independent insurance brokerage firm headquartered in Voiron, near Grenoble, France, founded in 1996 and operating for over 30 years. The firm employs a team of 10 expert advisors who compare insurance offerings from a network of 20+ partner insurance companies to deliver personalized coverage recommendations across four core segments: individuals and families (mutuelle santé, prévoyance, loan insurance, auto/moto, home), seniors (specialized health, dependency, and funeral coverage), self-employed professionals and liberal professions (Madelin-law health and prévoyance, RC Pro, retirement strategy), and small businesses (collective health, prévoyance, multi-risk, cyber-risk). The broker model mandates Abela to act in the client's interest rather than any insurer's, with the firm compensated through insurance carrier commissions rather than client fees.

Abela's product portfolio is delivered as advisory and placement services rather than proprietary technology products — no internally developed platforms, APIs, or AI/ML systems are referenced. Operations rely on outsourced web infrastructure (Simplebo), a client portal at abela.cpms.fr, and a content marketing blog (Mag santé) for lead generation, with multi-channel distribution including in-person consultations at the Voiron office plus nationwide phone, email, and video conference advisory. The firm has built a referral-oriented ecosystem of mutual partnerships with French well-being professional associations and federations (Amavie, Reiki, Shiatsu, Amma massage, reflexology, kinesiology, and osteopathy bodies).

Commercially, Abela operates a commission-based revenue model funded by its 20+ insurance partners; client-facing advisory is offered free of charge with a 48-hour quote turnaround and no commitment. The customer base spans approximately 5,000+ seniors, 4,000+ self-employed professionals, and 1,000+ professional/enterprise clients, and the firm reports client outcomes such as 15–30% premium savings versus prior policies and tax optimization examples (e.g., EUR 2,400 in Madelin-law tax savings). Abela is privately held with no parent company, no outside investors, and no disclosed funding history, and is managed under Director of Publication P. Lorente per its legal disclosures.

Name

Abela

Legal name

Abela Assurances

Website

https://abela.fr

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Abela is an independent French insurance brokerage founded in 1996, based in Voiron. A team of 10 expert advisors compares 20+ insurer offerings to provide health, prévoyance, loan, vehicle, and professional insurance to individuals, seniors, self-employed professionals, and small businesses across France, earning commission from partner insurers.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAK

Insurance Program Administration & MGA/MGU Services

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

Keywords

• Independent insurance brokerage
• Mutuelle health insurance
• Prévoyance insurance products
• Professional liability insurance
• Insurance comparison services

Headquarters

HQ city

Voiron

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Abela acts as an independent broker, receiving commissions from insurance companies for policies placed. This is the standard model for insurance brokers in France - the service is free for clients as the broker is compensated by the insurer.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Abela is an independent insurance brokerage that compares offers from 20+ partner insurance companies to provide individuals, seniors, self-employed professionals, and small businesses with tailored insurance solutions across health (mutuelle), prévoyance, loan, vehicle, home, and professional liability coverage. The brokerage delivers free personalized comparative quotes within 48 hours and provides ongoing annual audits, contract renegotiation, and claims support.

Product overview

Abela is an independent insurance brokerage operating since 1996, offering a comprehensive portfolio of insurance and providence products through a network of 20+ partner insurance companies. The core offering consists of health insurance products (mutuelle santé for individuals, seniors, and freelancers under Madelin law), providence coverage (death insurance, life insurance, funeral contracts, dependency insurance), property and casualty insurance (vehicle, home, professional multi-risk), and professional liability coverage (RC Pro, decennial warranty, cyber-risk insurance). For businesses, Abela provides collective health insurance and group providence contracts. The company serves three main segments: individuals and families, seniors (50+), and self-employed professionals (TNS) and small businesses, comparing offers from multiple insurers to find optimal coverage at competitive prices.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle santé Health insurance complementary coverage for individuals, families, and seniors that reimburses medical expenses not covered by the French social security system. Brokerage service comparing 20+ insurer offers.
• Mutuelle senior Specialized health insurance brokerage for seniors (50+) with coverage tailored to age-related needs including hospitalization, dental, and optical.
• Mutuelle loi Madelin Tax-deductible health insurance brokerage for self-employed workers (TNS) under the Madelin law, allowing fiscal optimization of health expenses.
• Mutuelle santé freelance Health insurance brokerage specifically designed for freelancers transitioning from employment, covering the gap left by employer-provided insurance.
• Prévoyance Providence insurance brokerage covering death, disability, and loss of autonomy to protect family members financially.
• Assurance décès Pure providence insurance brokerage product that pays a defined capital to beneficiaries upon the insured's death during the coverage period.
• Assurance vie Savings and wealth transfer contract brokerage allowing capital accumulation with favorable taxation and beneficiary designation outside succession.
• Contrat obsèques Funeral expense insurance brokerage that pre-funds funeral arrangements (average 4,000-7,000€) with 48-72 hour capital release to beneficiaries.
• Assurance dépendance Dependency insurance brokerage providing monthly annuity (500-3,000€) to cover costs when the insured requires assistance with daily activities (GIR 1-4 classification).
• Prévoyance indépendant Professional providence insurance brokerage for self-employed workers including daily allowances, disability income, and death benefits under Madelin law.
• Assurance de prêt Loan insurance brokerage protecting borrowers and their families by covering death, disability, and inability to work during mortgage repayment.
• Assurance auto/moto Vehicle insurance brokerage for cars and motorcycles covering liability, damage, and theft, including specialized coverage for bikers.
• Assurance habitation Home insurance brokerage covering dwelling, personal property, and liability for homeowners and renters.
• RC Pro (Responsabilité Civile Professionnelle) Professional liability insurance brokerage covering bodily, material, and immaterial damages caused to third parties during professional activities.
• Multirisque professionnelle Comprehensive business insurance brokerage covering professional equipment, premises, and stock against theft, fire, water damage, and various risks.
• Garantie décennale Ten-year construction warranty insurance brokerage mandatory for building professionals, covering structural defects for ten years after work completion.
• Assurance cyber-risques Cyber risk insurance brokerage protecting against hacking, data loss, digital fraud, and associated financial and legal consequences.
• Mutuelle entreprise Collective health insurance brokerage for businesses required by French law, with employer co-financing for TPE and PME companies.
• Contrats collectifs Group providence and insurance contract brokerage for businesses covering employees' health, death, and disability needs.
• Stratégie retraite Retirement planning services including PER, Madelin retirement contracts, and compensation strategy optimization for professionals.

Quantifiable outcome

• Savings of 15-30% on insurance premiums through broker comparison
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered minor.

• AmavieminorGTM or Marketing PartnerWell-being professionals union. AmaVie is an association promoting quality standards and recognition for well-being professionals in France. The partnership connects Abela with complementary health and wellness service providers.
• Autonomia Santé et Bien-êtreminorOthersPartner organization in the health and well-being sector.
• Syndicat National des Praticiens et Enseignants du ReikiminorOthersNational union of Reiki practitioners and teachers.
• Syndicat Professionnel de ShiatsuminorOthersProfessional union for Shiatsu practitioners.
• Fédération Française de Massage AmmaminorOthersFrench federation for Amma massage practitioners.
• Fédération Française des Massages Bien-êtreminorOthersFrench federation for wellness massage practitioners.
• Institut Français de Psychologie Énergétique Clinique (IFPEC)minorOthersFrench institute for clinical energy psychology.
• Fédération Francophone Jeune et RandonnéeminorOthersFrancophone federation for youth and hiking activities.
• Fédération Française des RéflexologuesminorOthersFrench federation of reflexologists.
• Syndicat des Kinésiologues Professionnels Français (SKPF)minorOthersUnion of professional kinesiology practitioners in France.
• Syndicat National des KinésiologuesminorOthersNational union of kinesiology practitioners.
• Registre des Ostéopathes de FranceminorOthersAssociation promoting ethics, expertise, and professional standards among osteopaths in France. Certified by Afnor with Quali'OP label.

Scale indicators8 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Assurland: Pioneer French insurance comparator covering health, auto, home, and life insurance. Comparable to Abela as a multi-carrier distribution intermediary, though Assurland is a lead-generation/price-comparison model rather than a full-service broker.
• Meilleurtaux Assurances: French insurance comparison and brokerage arm of the Meilleurtaux group, distributing health, auto, home, and loan insurance from multiple partners. Comparable to Abela in independent multi-carrier distribution and individual/SME focus.
• LesFurets.com: Leading French insurance comparison platform comparing mutuelle, auto, home, and loan insurance from dozens of carriers. Comparable to Abela in the comparative-brokerage value proposition, but operating purely digitally with no advisory layer.
• Verspieren: Long-established French family-owned insurance broker (founded 1880) serving individuals, professionals, and enterprises. Comparable to Abela in independent broker identity, multi-line portfolio, and family-led governance — though at materially larger scale.
• April: One of France's largest independent insurance brokers, offering health, prévoyance, and professional lines for individuals, TNS, and SMEs. Directly comparable to Abela in distribution model (independent brokerage comparing multiple carriers) and target segments.
• Réassurez-moi: French online insurance broker comparing mutuelle santé, prévoyance, auto, and home policies across multiple carriers. Closely comparable to Abela in product scope and multi-carrier brokerage model, but operates at greater scale via digital acquisition.
• Hyperassur: French insurance comparator and broker for individuals and professionals, specializing in mutuelle santé, prévoyance, and loan insurance. Closely comparable to Abela in product mix (health-heavy, multi-line) and target customer (individuals and TNS).

Emerging players

• Alan: French digital-first health insurer offering mutuelle santé and health insurance directly to individuals and employers. Comparable to Abela in the health-insurance focus and the individual/SME customer base, but competes by disintermediating the broker entirely with a vertically integrated model.

Broad incumbents

• Willis Towers Watson (WTW) France: Major global insurance and risk advisory broker with a significant French presence across health & benefits and corporate risk. Comparable in broker role and product breadth, but serves predominantly large enterprises rather than Abela's individual and SME core.
• Aon France: Global insurance brokerage and advisory firm's French operation, serving large corporates and mid-market with risk, health, and benefits brokerage. Comparable to Abela in the independent brokerage function, but at vastly larger scale and focused on enterprise clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/abelaassurance
• LinkedInlinkedin.com/company/abela-assurances

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 Abela