CNP Assurances
CNP Assurances is a French personal insurer (founded 1850) offering life, retirement, health, credit, and property cover through a multi-partner bancassurance model anchored by La Banque Postale, serving 43 million customers across France, Italy, and Brazil.
- Company typePrivate
- Founded1850
- HeadquartersParis, France
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
What CNP Assurances does
CNP Assurances is a French personal insurance carrier founded in 1850 and headquartered in Issy-les-Moulineaux, operating primarily through a multi-partner bancassurance distribution model rather than captive agents. The company offers life insurance and savings (assurance vie, Amétis, Easybourse, Louvre Banque Privée, CNP Patrimoine), retirement products (PER, Préfon, CNP Retraite FRPS), death and disability (prévoyance), health, credit/borrower insurance (assurance emprunteur), funeral, home, and auto cover, insuring 33 million people in personal protection and 10 million in savings/retirement worldwide. Distribution runs through approximately 350 partner networks anchored by La Banque Postale's postal branch network and including Caisses d'Épargne, mutuelles, institutions de prévoyance, independent wealth advisors (CGPI), employer agreements, and the digital-only Lucya.com channel launched in April 2026.
CNP Assurances firmographics
Firmographics- Name
- CNP Assurances
- Legal name
- CNP ASSURANCES
- Website
- https://cnp.fr
- Company type
- Private
- Founded year
- 1850
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- CNP Assurances is a French personal insurer (founded 1850) offering life, retirement, health, credit, and property cover through a multi-partner bancassurance model anchored by La Banque Postale, serving 43 million customers across France, Italy, and Brazil.
- Ownership category
- akta.pro rank
CNP Assurances industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Participating (Dividend) Whole Life Insurance (FSAIABAI)
- akta.pro secondary industries
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Retirement Income Planning & Decumulation Advisory (FSAEABAD)
Keywords
Where CNP Assurances is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices4 records
Markets served
CNP Assurances business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Life Insurance Premiums: Core revenue from life insurance and savings products including unit-linked investments, euro-denominated funds, and retirement products distributed through La Banque Postale and partner networks
- Personal Protection Insurance: Revenue from death/disability insurance, health coverage, loan protection (assurance emprunteur), funeral expenses, and dependency insurance for individuals and corporate clients
- Property and Casualty Insurance: Revenue from home insurance, vehicle insurance, and everyday property coverage products distributed through partner networks
- Employee Benefits Administration: Corporate employee savings (épargne salariale), collective retirement plans, and social liability management services for enterprise clients
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Lucya CNP online life insurance - Entry level at €500 minimum |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
CNP Assurances product offering
Product offeringCore offering
CNP Assurances designs and distributes personal insurance, savings, and retirement products, including life insurance, retirement savings (PER, Préfon, CNP Retraite), health insurance, credit insurance (assurance emprunteur), death and disability protection (prévoyance), funeral insurance, home and auto insurance, and unit-linked investment products. The company operates through a multi-partner model with 350 distribution partners including La Banque Postale, Caisses d'Épargne, mutuelles, financial institutions, and independent wealth advisors, serving individuals, self-employed professionals, and corporate clients across France, Europe, and Brazil.
Product overview
CNP Assurances is a leading personal insurer in France, Europe, and Brazil operating through a unique multi-partnership model with approximately 350 distributor partners. The company offers a comprehensive portfolio of insurance and savings products including life insurance (assurance vie), retirement planning (PER, Préfon, CNP Retraite), health insurance, credit insurance (assurance emprunteur), death and disability insurance (prévoyance), funeral insurance (assurance obsèques), property insurance (habitation, vehicle), and unit-linked investment products. Products are distributed through diverse channels including La Banque Postale, Caisses d'Épargne, mutuals, banks, employers, and digital platforms. Recent offerings include the online life insurance product Lucya CNP (via Lucya partnership) and the Tikehau Défense et Sécurité defense-focused investment fund (via Tikehau Capital partnership). The company insures 33 million people in protection and 10 million in savings/retirement worldwide, with 175 years of existence.
Differentiator
Problem solved
Functional benefit
Products and services
- Assurance Vie (Life Insurance) Core life insurance product offering capital availability, specific taxation, and wide range of investment options including euro-denominated funds and unit-linked investments, distributed through partner networks to individuals seeking protection and savings solutions.
- Assurance Emprunteur (Credit Insurance) Loan insurance that protects borrowers and their families in case of death, disability, or inability to repay. Provides simplified access for men with prostate or testicular cancer.
- Prévoyance (Death & Disability Insurance) Insurance products covering death, disability, and daily hardships to help maintain family living standards for individuals and professionals.
- Santé (Health Insurance) Health insurance covering medical expenses, available for individuals, self-employed professionals (TNS), and businesses through partner distribution networks.
- Retraite (Retirement) Retirement savings products including PER (Plan d'Épargne Retraite) and supplementary pension plans distributed through partner networks to help individuals prepare and enjoy retirement.
- Assurance Obsèques (Funeral Insurance) Funeral expense insurance helping families anticipate and finance funeral costs through guaranteed contracts distributed by partner networks.
- Assurance Habitation (Home Insurance) Property insurance protecting homes, belongings, and daily items against damages and losses, distributed through partner networks.
- Assurance Vehicule (Auto Insurance) Vehicle insurance protecting cars and other vehicles against damages and liability, distributed through partner networks.
- Amétis (formerly CNP Trésor) Life insurance and retirement savings product distributed by CNP Assurances partners, formerly known as CNP Trésor.
- Préfon Retirement savings product distributed through the Préfon network, part of CNP Assurances' supplementary pension offerings targeting civil servants and professional categories.
- CNP Patrimoine Heritage and wealth management product line including CNP One, St-Honoré Innovation, Sélection Cinto, Canopia, CNP Patrimoine Liberté Plus, Transatlantique, and Alysés contracts for high-net-worth individuals.
- Easybourse Online wealth management and brokerage platform integrated with CNP Assurances' savings products for retail investors.
- CNP Retraite Pension institution operating as an FRPS (Fonds de Retraite Professionnelle Supplémentaire), managing supplementary retirement products distributed by partner networks including Amétis, La Banque Postale, Caisse d'Épargne, Préfon, and mutuals.
- Protection Sociale Complémentaire (PSC) Supplementary social protection products for employees, civil servants, education personnel, and organizations including health insurance and prévoyance, distributed through enterprise sales motion.
- Anticipa by CNP Assurances Insurance product offered by CNP Assurances targeting specific customer segments through partner distribution.
- Lucya CNP Online Life Insurance Fully online life insurance policy launched in partnership with Lucya, available exclusively through Lucya.com. Offers unit-linked investments, ETFs, real estate, private equity, nearly 600 stocks, and euro-denominated fund backed by CNP Assurances' general assets. Entry-level at €500 minimum with no entry fees.
- Tikehau Défense et Sécurité (TDS) Private Equity Fund Private equity fund dedicated to European defense and security sectors, structured as unit-linked products in life insurance and retirement savings policies. Targets aerospace and cybersecurity sectors to support French and European strategic autonomy. First unlisted asset vehicle eligible for unit-linked investment dedicated entirely to defense and security.
Quantifiable outcome
- 33 million insured persons in protection worldwide
- +4 more outcomes
Companies that use CNP Assurances
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
CNP Assurances technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature4 records
CNP Assurances partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered flagship, minor and core.
- La Banque PostaleflagshipBancassurance model strengthening with La Banque Postale. CNP Assurances serves as the insurance component of La Banque Postale's comprehensive financial services offering. Part of La Poste Groupe's strategic plan 'Succeed Together - Ambitions 2031' targeting €40 billion revenue by 2031. La Banque Postale reported €1.6 billion net profit in 2025 (+31.2% YoY) with synergies supporting CNP Assurances growth.
- emeisminorRenewal of director term for CNP Assurances on emeis Board of Directors. CNP Assurances, along with Caisse des Dépôts, MACSF Epargne Retraite, and MAIF, collectively hold 50.2% of emeis shares. Olivier Dussapt appointed Chairman of the Board, Laurent Guillot re-elected as CEO.
- LucyacorePartnership to launch Lucya CNP, a fully online life insurance policy available exclusively through Lucya.com. Product starts at €500 with no entry fees and offers unit-linked investments, ETFs, real estate, private equity, nearly 600 stocks, and euro-denominated fund. Supports CNP's Lead for Impact strategic plan to diversify distribution channels while expanding Lucya's position in online savings and life insurance in France.
- KyndrylcoreComprehensive IT infrastructure modernization for CNP Assurances Italia including data center hosting, managed services across production and disaster recovery sites, advanced infrastructure governance, and cybersecurity through Kyndryl's global Security Operations Center. Addresses regulatory and market demands for operational resilience and ICT risk governance under DORA requirements.
- Ivalua and PwC ItalycoreCNP Assicura (Italian subsidiary of CNP Assurances) selected Ivalua's Source-to-Contract solution in collaboration with PwC Italy to digitalize and optimize procurement operations. Solution provides native DORA (Digital Operational Resilience Act) compliance support including data segregation, auditability, and secure access management. Aims to enhance supplier risk and performance management while enabling fully digital, compliant, and efficient procurement.
- Tikehau Capital, Société Générale Assurances, and CARAC GroupflagshipLaunch of Tikehau Défense et Sécurité (TDS) private equity fund dedicated to European defense and security sectors. Initial commitment of €150 million invested equally by the three partner insurers (CNP Assurances, Société Générale Assurances, CARAC Group). Structured as unit-linked products in life insurance and retirement savings policies available from September 2025. First unlisted asset vehicle eligible for unit-linked investment dedicated entirely to defense and security, targeting aerospace and cybersecurity sectors supporting French and European strategic autonomy.
Scale indicators9 records
Recent moves7 records
Expansion highlights6 records
CNP Assurances competitors and assessment
Company assessmentDirect peers
- Allianz France: French subsidiary of global insurer Allianz, offering life, P&C, and health products through agents, brokers, and bank partnerships. Direct competitor across personal lines, particularly in life insurance and retirement.
- Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole, one of France's leading bank-insurance groups offering life, retirement, and P&C through its regional banking network. Directly comparable to CNP's model with La Banque Postale and competes for the same partner-distribution customers.
- SCOR: French global reinsurer with strong life and savings reinsurance expertise. Comparable peer given French origin, life insurance focus, and overlapping institutional insurance market dynamics relevant to CNP's protection and retirement books.
- AXA: AXA is France's largest multi-line insurer with major life & savings, P&C, and health franchises. Direct competitor to CNP Assurances in personal insurance, retirement, and bancassurance-style distribution across the French market.
- BNP Paribas Cardif: Insurance arm of BNP Paribas offering savings, protection, and credit insurance distributed through banking networks across Europe. Directly comparable bancassurance competitor with similar product mix and partner distribution philosophy.
- Société Générale Assurances: Bancassurance subsidiary of Société Générale offering life insurance, retirement, and personal protection products. Direct peer in the French bancassurance space; also partner with CNP in the Tikehau Défense et Sécurité fund launch.
- Swiss Life: Switzerland-headquartered life and pensions specialist with material French operations. Highly comparable on life insurance focus, retirement/decumulation products, and bancassurance-style distribution.
- BPCE / Natixis Assurances: Insurance arm of Groupe BPCE (which includes Caisses d'Épargne and Banques Populaires), offering life and protection products. Direct peer — and distribution partner of CNP — competing in bancassurance distribution in France.
Broad incumbents
- Aviva: UK-based global insurer; CNP Assurances acquired Aviva's European life insurance business in 2021. Comparable as a broad incumbent and as the seller of a major life insurance portfolio to CNP.
- Generali France: French subsidiary of Italian global insurer Generali, offering life, P&C, and health. Broader incumbent with overlapping personal insurance capabilities and significant European footprint beyond France.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
CNP Assurances social profiles
Digital presenceCNP Assurances compliance and trust
Trust signalCompliance3 records
CNP Assurances financial estimates
Financial estimateRevenue estimate
Valuation estimate
CNP Assurances leadership team
Management profileNumber of profiles
Profiles9 records
CNP Assurances subsidiaries and ownership
Company hierarchySubsidiaries3 records
CNP Assurances funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CNP Assurances M&A and investment
M&A and investmentM&A9 records
Investments12 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CNP Assurances
What does CNP Assurances do?
CNP Assurances designs and distributes personal insurance, savings, and retirement products, including life insurance, retirement savings (PER, Préfon, CNP Retraite), health insurance, credit insurance (assurance emprunteur), death and disability protection (prévoyance), funeral insurance, home and auto insurance, and unit-linked investment products. The company operates through a multi-partner model with 350 distribution partners including La Banque Postale, Caisses d'Épargne, mutuelles, financial institutions, and independent wealth advisors, serving individuals, self-employed professionals, and corporate clients across France, Europe, and Brazil.
Is CNP Assurances a public or private company?
CNP Assurances is a private company. It is classified as corporate owned and is currently operating.
When was CNP Assurances founded?
CNP Assurances was founded in 1850. It employs 5,001 to 10,000 people.
Where is CNP Assurances based?
CNP Assurances is headquartered in Paris, France, in the Europe region.
How does CNP Assurances make money?
Four revenue lines are on record. Life Insurance Premiums are the primary driver. The others are personal Protection Insurance, property and Casualty Insurance and employee Benefits Administration.
Who are CNP Assurances's main competitors?
Direct peers on record are Allianz France, Crédit Agricole Assurances, SCOR, AXA, BNP Paribas Cardif, Société Générale Assurances, Swiss Life and BPCE / Natixis Assurances. Broad incumbents are Aviva and Generali France.
Does CNP Assurances have an API?
No public API is recorded for CNP Assurances.
What industry is CNP Assurances in?
CNP Assurances's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAI, Participating (Dividend) Whole Life Insurance, with a secondary code of FSAJAFAB, Mid-Market Commercial Package (Package Policies). Its NAICS code is 524113 and its SIC code is 6311.