Aéma Group

What Aéma Group does

Aéma Group is a French mutual insurance group (Société de Groupe d'Assurance Mutuelle, or SGAM) headquartered in Issy-Les-Moulineaux, France, and founded in 2021 through the consolidation of multiple established mutualist insurance brands. It operates as a multimarques, multiréseaux et multimétiers platform, delivering property and casualty, health and prévoyance, savings and retirement, and asset management products and services to individual French customers and members (sociétaires, adhérents, clients). The group's stated reach covers the protection needs of approximately one in six French people.

The portfolio is anchored by four core brands: AÉSIO mutuelle (health and prévoyance), Macif (property and casualty, notably auto and home), Abeille Assurances (general insurance including life), and Ofi Invest (asset management and responsible investment). Supporting sub-brands and initiatives include Aémag, a thought-leadership publication, and L'Observatoire de la Protection Aéma Groupe, a prospective research platform. Group-level governance includes a Présidente (Béatrice Augier, elected June 2026), a Directeur général (Adrien Couret), and a recently created Human Resources and Sustainability direction (Bertrand Delignon, March 2026). MACIF carries a Moody's A2 (Stable) long-term IFSR rating.

Aéma Group generates revenue primarily through recurring insurance premiums and asset management fees across its brands and networks, distributed via brand-owned channels and multi-brand multi-network distribution covering France. No public revenue, headcount or premium figures are disclosed in the supplied data, and no AI/ML, app, or API capabilities are documented.

Name

Aéma Group

Legal name

AÉMA GROUPE, Société de Groupe d'Assurance Mutuelle (SGAM), entreprise régie par le code des assurances, 493 754 261 R.C.S. Paris

Website

https://aemagroupe.fr

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Aéma Group is a French mutual insurance group (SGAM) unifying AÉSIO mutuelle, Macif, Abeille Assurances and Ofi Invest to provide property, health, savings-retirement and asset management protection to roughly one in six French people.

Ownership category

akta.pro rank

Product category

Mutual Insurance

NAICS

Insurance Carriers (5241), Direct Life, Health, and Medical Insurance Carriers (52411), Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Fire, Marine & Casualty Insurance (6331), Life Insurance (6311), Hospital & Medical Service Plans (6324), Insurance Carriers, Nec (6399)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Investment Management Advisory (RIA) (FSAEAAAB)

Keywords

• Mutual insurance
• Property insurance
• Health insurance
• Asset management
• Life insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums: Aéma Group generates revenue primarily through insurance premiums from its four brands covering property and casualty insurance (assurance auto et habitation), health and prévoyance, savings and retirement (épargne-retraite), and asset management (gestion d'actifs).

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Aéma Group is a French mutual insurance group that operates as a Société de Groupe d'Assurance Mutuelle (SGAM), offering comprehensive protection solutions across four main brands. Its portfolio covers property and casualty insurance (auto and home), health and prévoyance, savings and retirement, and asset management, serving approximately one in six French people through its brands AÉSIO mutuelle, Macif, Abeille Assurances, and Ofi Invest.

Product overview

Aéma Groupe operates as a multi-brand, multi-network, and multi-business mutual insurance group (Société de Groupe d'Assurance Mutuelle - SGAM) offering comprehensive protection solutions. The portfolio comprises four main brands: Aésio Mutuelle (health and provident insurance), Macif (property and casualty insurance), Abeille Assurances (general insurance), and Ofi Invest (asset management and responsible investment). Together these brands cover all protection needs for approximately one in six French citizens, including auto insurance, home insurance, prévoyance (death/disability), savings, life insurance, and asset management. The group also publishes Aémag, a thought leadership platform on protection topics.

Differentiator

Problem solved

Functional benefit

Brands

• AÉSIO mutuelle: Mutual health insurance brand of Aéma Groupe
• Macif
• Abeille Assurances
• Ofi Invest
• Aémag
• L'Observatoire de la Protection Aéma Groupe

Products and services

• AÉSIO mutuelle Health and prévoyance insurance brand offering coverage for individuals, including health expense coverage and prévoyance (death/disability) insurance products.
• Macif Mutual property and casualty insurance brand offering auto, home, and other property insurance products with a mutualist approach.
• Abeille Assurances General insurance brand providing property, casualty, and life insurance products to individual and business clients.
• Ofi Invest Asset management and investment services brand focused on responsible finance, offering savings, retirement, and investment management solutions under a Socially Responsible Investment (ISR) approach.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Natixis Investment Managers: Asset management arm of Natixis (Groupe BPCE) with a multi-affiliate model offering responsible and active investment strategies; most direct comparable for Ofi Invest's French responsible-investment franchise.

Broad incumbents

• Generali: European insurance group with substantial French P&C and life operations; comparable product portfolio but listed, internationally diversified and historically Italian-rooted.
• Allianz: Global insurance and asset management giant with significant French P&C, life and asset management operations; overlaps Aéma across all four brand categories but at much greater scale and with global diversification.
• AXA: One of the world's largest insurers with deep French roots in P&C, life and health; broader incumbent with global footprint and public-equity capital base versus Aéma's France-only mutual model.

Direct peers

• BNP Paribas Cardif: Insurance arm of BNP Paribas, active in savings, protection and creditor insurance across Europe; comparable product mix and bancassurance-led distribution model versus Aéma's mutual networks.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, one of France's largest life, P&C and creditor insurers; competes directly across Aéma's product lines and adds bancassurance distribution that Aéma lacks.
• Groupama: Leading French mutual insurance group with regional mutuals, active in P&C, health and life for individuals and farmers; directly comparable mutualist structure and French retail focus.
• CNP Assurances: Major French life, health and personal protection insurer with bancassurance partnerships (La Banque Postale, BPCE); overlaps AÉSIO and Abeille Assurances life/health business at scale.
• Société Générale Insurance: Insurance subsidiary of Société Générale offering life savings and protection products through retail banking; competes in the same French bancassurance-adjacent channels as Aéma's brands.
• Covéa: French mutualist insurance group (SGAM) combining MAAF, MMA and GMF across P&C, health and life; closest structural analogue to Aéma's multi-brand SGAM model serving French retail and SME customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Aema_Groupe

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Aéma Group