Lifesquare

What Lifesquare does

Lifesquare SAS is a French wholesale insurance broker dedicated to the distribution of loan insurance (insurance covering mortgage and consumer credit) via a 100% digital platform. The company serves insurance intermediaries — primarily brokers, general agents, and banking partners — and, through them, individual French borrowers taking out mortgage or consumer credit. The platform covers the full loan-insurance workflow, from digital subscription and electronic signature to policy administration and borrower resignation/substitution processing, and is integrated with third-party technology providers including DocuSign (e-signature), CDC Arkhineo (compliant archiving), and Multi Impact (third-party policy administration, or TPA). As an ORIAS-registered insurance intermediary under ACPR supervision, Lifesquare operates within France's regulated insurance-distribution framework.

The company was created as a wholly-owned subsidiary of Malakoff Humanis, a major French social protection group that holds more than 10% of the voting rights and functions as the strategic shareholder and primary capital partner. Lifesquare monetizes its activity through commissions on loan-insurance contracts subscribed via its platform by partner intermediaries. Its core product capability is the digital subscription journey, anchored by electronic signature and policy-administration integration, complemented by a Resignation Processing Service that manages borrower-side substitution/loyalty flows. As a captive distribution entity inside a larger insurance group, Lifesquare's financial flows with Malakoff Humanis are not separately disclosed, and there is no publicly available revenue, headcount, or funding data on the entity itself.

Name

Lifesquare

Legal name

Lifesquare SAS

Website

https://lifesquare.fr

Company type

Private

Operating status

Operating

Short description

Lifesquare SAS is a French wholesale insurance broker that distributes loan (mortgage and consumer credit) insurance through a 100% digital platform, serving insurance intermediaries and their borrower clients and operating as a wholly-owned subsidiary of Malakoff Humanis.

Ownership category

akta.pro rank

Product category

Loan Insurance Distribution

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Wholesale insurance brokerage
• Loan insurance distribution
• Mortgage insurance platform
• Digital insurance broker
• Insurance intermediary services

Headquarters

HQ city

Boulogne-billancourt

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Brokerage Commissions: Lifesquare earns commissions as a wholesale broker distributing insurance products from Malakoff Humanis and other insurance partners. Partners distribute these products and receive commission through the platform.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Lifesquare operates as a 100% digital wholesale broker for loan insurance in France, enabling insurance brokers, general agents, and borrowers to subscribe to competitive loan insurance products through an online platform featuring medical questionnaires, electronic signature, secure document exchange, and personal account management. The company creates exclusive insurance products in partnership with the Malakoff Humanis group and distributes them via its website and telephone platform.

Product overview

Lifesquare is a 100% digital multi-offer wholesale broker platform specializing in mortgage loan insurance, operating as part of the Malakoff Humanis group. The core offering consists of the Lifesquare Digital Platform which enables insurance brokers and agents to distribute competitive loan insurance products through online forms, medical questionnaires, electronic signature, and personal account management. Additional services include resignation processing, quote generation, partner commission management, and phone support for specific cases. The platform creates exclusive insurance products in partnership with Malakoff Humanis and distributes them through its website and telephone platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Lifesquare Digital Platform

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• Malakoff HumaniscoreStrategic or Co-development PartnerMalakoff Humanis creates insurance products adapted to Lifesquare's needs and Lifesquare distributes them via its website and telephone platform. Malakoff Humanis holds a participation exceeding 10% of voting rights in Lifesquare SAS capital.
• DocuSigncoreTechnology or IntegrationElectronic signature services provider for contract signing process.
• CDC ArkhineosupportingTechnology or IntegrationLegal document archiving service for signed contracts.
• Multi ImpactsupportingImplementation/ SI/ Consulting PartnerInsurance contract management partner handling policy administration under insurer control.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• April Group: April is a major French insurance broker group with significant presence in loan insurance, personal lines, and group benefits. Larger and more diversified than Lifesquare but overlapping on the same loan-insurance distribution product in France.
• Willis Towers Watson (WTW France): WTW is a global insurance brokerage and advisory firm with a French presence covering personal and commercial lines including credit/loan insurance. Sits in the same broad distribution channel but at materially larger scale and broader scope than Lifesquare.
• Howden France (formerly Al Assurances): Howden is a specialist insurance broker group with a French platform covering personal and corporate lines. Larger and broader than Lifesquare but operates overlapping distribution and brokerage functions in France.

Direct peers

• Assurpeople: Assurpeople is a French broker specialized in loan insurance and individual health cover, with a digital subscription flow including medical questionnaires and electronic signature - closely mirroring Lifesquare's feature set.
• Santiane: Santiane is a leading French digital broker specialized in loan insurance (assurance de prêt) and individual health cover, competing head-to-head with Lifesquare on online medical questionnaires, electronic subscription, and price comparison for borrowers - a direct product overlap in the same French market.
• Cegema (Groupe Premium): Cegema is a French insurance broker specializing in loan insurance, creditor protection, and related personal covers. Direct overlap with Lifesquare's loan-insurance distribution business in France.
• Réassurez-moi: Réassurez-moi is a French insurance comparator and broker with strong positioning in loan insurance and personal cover, offering online quote comparison and subscription. Operates in the same French digital broker segment as Lifesquare.
• Magnolia (Groupe Magnolia): Magnolia is a France-based broker focused specifically on loan insurance and related covers, with digital subscription tools and a similar B2C/B2B intermediary model. Competes with Lifesquare for the same niche of borrowers seeking a streamlined digital loan-insurance experience.

Emerging players

• Acheel: Acheel is a French digital insurance broker offering online subscription across multiple personal lines including loan insurance. Overlaps with Lifesquare in digital-first French insurance distribution and serves similar partner/broker audiences.

Others

• Société Générale Insurance (Boursorama-related distributor): While primarily a bank, Boursorama (Société Générale group) integrates insurance distribution including loan/creditor cover within its online banking flow, representing the bank-channel disintermediation of brokers like Lifesquare and a direct competitor for French borrowers purchasing loan insurance alongside their mortgage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/lifesquare_fr

Compliance4 records

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 Lifesquare