Groupe Alptis

What Groupe Alptis does

Groupe Alptis is an independent French insurance group founded in 1976 and headquartered in Lyon, recognized as the 2nd largest wholesale broker (courtier grossiste) in France. It operates as a multi-specialist, multi-brand platform spanning 13 entities across four activities — prevention, insurance, financing, and training — with core focus on health-prévoyance (health and provident insurance) extended into retirement savings, property and casualty (IARD), cyber, professional financing, and affinity products. The group serves individuals, self-employed professionals, SMEs, and a network of 11,000 distribution partners (brokers, partner brokers, CGPI wealth advisors), with 525,000 protected persons across 18,000 companies and 1.8+ billion euros in life insurance and retirement assets under management via UNEP. Distribution combines wholesale brokerage (Alptis Assurances), direct digital platforms (Cmonassurance, Mutuelle.fr), mandate networks (Promantis Conseil), affinity insurance partnerships (Insured Services with Studapart, Gens de Confiance, Allianz), and 80 local volunteer committees under an association-based governance model.

The technology stack includes digital subscription and management journeys, the award-winning Mutuelle.fr generative-AI conversational agent for insurance comparison, an Alptis Communities platform hosting prevention initiatives (Nature en Tête, Mon Avenir Retraite, Cap Santé Durable, Santé Durable en Entreprise), the Alptis For Me employee wellbeing platform, and the Exploris Qualiopi-certified training center. The group invested more than €25 million in IT and Data projects in 2025 as part of its Résonances 2030 strategic plan, including AI acculturation programs for collaborators. Recent product launches — Mutuelle.fr conversational agent, PER Individuel, MRI Multirisque Immeuble, GLI for Gens de Confiance, cancellation insurance for Studapart — are distributed through both legacy broker channels and new digital/affinity channels.

Groupe Alptis generated €150.8 million in consolidated FY2025 revenue (vs €152.4M FY2024, +6.8% prior year), with EBITDA of +€1.9 million and a net consolidated result of -€1.8 million reflecting strategic investment rather than operating deterioration. Revenue is generated primarily through commissions on insurance premiums (wholesale brokerage), recurring fees on life insurance and retirement savings products (UNEP AUM growing 12.5%), and transaction-based fees on affinity and P&C products. Pricing models range from quote-based individual policies to subscription-based retirement plans (PER from €500 initial, €50/month programmed).

Name

Groupe Alptis

Legal name

Alptis Assurances

Website

https://alptis-groupe.org

Company type

Private

Founded year

1976

Headcount range

51–100 employees

Short description

Groupe Alptis is an independent French insurance group (founded 1976, Lyon) and France's 2nd largest wholesale broker, operating 13 entities across health-prévoyance, retirement, P&C, cyber, and professional financing — serving 525,000 protected persons, 18,000 companies, and 11,000 distribution partners.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Distribution

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114), Finance and Insurance (52)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Finance Services (6199)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industries

Group Annuities (Employer/Institutional) (FSAIACAI), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Health insurance brokerage
• Provident insurance solutions
• Retirement savings plans
• Property casualty insurance
• Cyber risk insurance

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation (Santé-Prévoyance): Core wholesale brokerage activity in health and provident insurance through Alptis Assurances, distributing to network of 11,000 brokers. Revenue generated through commissions on insurance premiums.
2. Direct Digital Distribution: Direct sales of health and provident insurance through digital platforms (Cmonassurance, Mutuelle.fr, Solaé Prévoyance), serving individual customers with digital-first experiences.
3. Wealth Management and Retirement (UNEP): Life insurance and retirement savings products through UNEP platform for independent wealth management advisors (CGPI). Manage 1.8+ billion euros in assets under management.
4. Property and Casualty Insurance: Property and liability insurance through Insured Services subsidiary, including rental guarantee, multi-risk property insurance, and affinity insurance products.
5. Prevention Services: Prevention activities organized for members including 365+ annual prevention actions across France, contributing to member retention and engagement.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels9 records

Core offering

Groupe Alptis is an independent French insurance group operating as a multi-specialist platform across prevention, personal insurance (health and provident), property & casualty, savings-retirement, and professional financing. Through 13 entities and 11,000 distribution partners, the group distributes wholesale brokerage products via Alptis Assurances, direct digital insurance via Cmonassurance and Mutuelle.fr, savings/retirement products via UNEP, and specialized offerings in cyber, hospitality, vulnerable-population coverage, and affinity insurance, complemented by €25M+ investment in AI and data technology.

Product overview

Groupe Alptis operates as a multi-specialist, multi-brand insurance group offering a comprehensive portfolio across three core domains: prevention, insurance, and financing. The group functions as a platform of 13 entities with distinct sub-brands serving different distribution channels and customer segments. Core products center on health-prévoyance distributed through wholesale brokerage (Alptis Assurances), direct digital channels (Cmonassurance, Mutuelle.fr), and specialized subsidiaries (UNEP for savings/retirement, Insured Services for affinity insurance, Solaé Prévoyance for vulnerable populations, RESCO Courtage for cyber insurance, Matéo for health-prévoyance, GEA for hospitality, Promantis Conseil for professional broker network). Supporting platforms include Alptis Communities for member engagement with health initiatives, Alptis For Me for employee wellbeing, and Exploris/Académie Alptis for training. Recent diversification includes IARD (property & liability) products and individual retirement savings (PER) beyond the historical health-prévoyance focus.

Differentiator

Problem solved

Functional benefit

Products and services

• Santé-Prévoyance Insurance (Alptis Assurances) Core health and provident (Santé-Prévoyance) insurance wholesale brokerage business of Alptis Assurances, offering personalized health insurance, provident insurance, and borrower insurance to individuals and professionals through a network of 11,000 approved brokers and partner brokers.
• Cmonassurance Health Insurance (Direct Digital) Direct digital health insurance distribution entity offering health insurance products to individual customers through online channels with digitalized subscription and management journeys.
• Mutuelle.fr Health Insurance Comparator Online health insurance comparator platform using an award-winning AI-powered conversational agent (Cas d'Or du Digital 2025) that lets users express insurance needs in natural language for personalized complementary health coverage recommendations.
• PER Individuel Alptis (Individual Retirement Savings Plan) Individual retirement savings plan (Plan d'Épargne Retraite individuel) launched June 2026 to build retirement funds, with €500 minimum initial contribution, €50/month programmed contributions, free voluntary contributions, and flexible exit options at retirement.
• UNEP Savings and Retirement for CGPI Wholesale platform providing life insurance and retirement savings products to independent wealth management advisors (CGPI), managing €1.8+ billion in assets under management with 12.5% growth in 2025.
• Insured Services Property & Casualty Insurance Wholesale managing broker developing affinity insurance solutions in real estate risks including multi-risk building insurance (MRI Multirisque Immeuble), unpaid rent guarantees (GLI with Allianz for Gens de Confiance), and cancellation insurance (with Seyna for Studapart).
• RESCO Courtage Cyber Insurance Specialized cyber risk insurance broker helping businesses protect against cyber threats through risk analysis, insurability evaluation, and attack response support.
• Solaé Prévoyance (Vulnerable-Population Health Coverage) Provident insurance specialist providing mandated health coverage for vulnerable populations including ESAT sheltered workers and disabled employees.
• Matéo Health-Prévoyance (Wholesale Broker) Wholesale broker in health and provident insurance (formerly Assurema), rebranded and repositioned in 2025 with new identity and strategic focus.
• GEA Assurances (Hospitality Sector Insurance) Specialized subsidiary providing Château, Hôtel, and Restaurant (HCR) insurance including property, liability, and HCR mutual fund solutions for the hospitality sector.
• Prêtpro.fr Professional Financing Broker specializing in ethical and responsible professional financing solutions for self-employed professionals, artisans, and SMEs.
• Promantis Conseil Insurance Broker Network Expert insurance broker network dedicated to supporting professionals and businesses, with an innovative intrapreneurial model enabling agents to become independent brokers after a 3-year mandate period.
• Signature Assurances Insurance Insurance subsidiary offering specialized coverage solutions to professionals and SMEs, operated in synergy with GEA Assurances.
• Solution Professions Indépendantes (SPI) Health and provident insurance solution designed for self-employed professionals (TNS), providing comprehensive protection adapted to their specific income-loss risks.
• Santé Équilibre Senior Health Insurance Senior-focused health insurance offering comprehensive protection and controlled budget, facilitating healthcare access for seniors aged 65 and over.
• Santé Frontaliers Suisses (Swiss Cross-Border Workers) Health insurance offer co-designed with Alptis Frontaliers association members, tailored for Swiss cross-border workers residing in France.
• Santé Pro+ Self-Employed Health Insurance Comprehensive health protection for self-employed workers and families targeting the TNS (Travailleur Non Salarié) market segment.
• Dynamique Emprunteur (Borrower Insurance) Borrower insurance completing Alptis's comprehensive range for all profiles in the mortgage insurance market, with white-label distribution via Digital Insure to the 7,500-broker network.
• MRI Multirisque Immeuble (Multi-Risk Building Insurance) Modular multi-risk building insurance launched by Insured Services, offering ultra-quality and flexible coverage for property owners.
• Garantie Loyers Impayés (GLI) Unpaid Rent Guarantee Exclusive unpaid rent guarantee (Garantie Loyers Impayés) launched by Insured Services with Allianz for Gens de Confiance property owners, providing comprehensive and simplified rental protection.
• Assurance Annulation Studapart (Cancellation Insurance) Cancellation insurance co-created with Seyna for the Studapart European PropTech platform, providing flexible and tailor-made coverage for student and young professional housing reservations.

Quantifiable outcome

• 520,000 persons protected across France
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability4 records

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• AllianzcoreStrategic or Co-development Partner · 1 December 2025Partnership with Allianz insurer and Gens de Confiance platform to launch Guaranteed Rental Insurance (GLI) for property owners, developed by Insured Services subsidiary.
• Planète CSCAcoreGTM or Marketing Partner · 1 June 2025Planète CSCA is the representative union of insurance brokers in France. Fabrice Pesin serves as President Délégué and Vincent Zdenek leads the RH and Formation Commission. Alptis actively participates in CSCA events and initiatives including Onze Bis Festival.
• SeynaminorStrategic or Co-development Partner · 1 June 2025Partnership with insurer Seyna to co-create flexible and tailored cancellation insurance for Studapart European PropTech serving student and young professional housing.
• Pauline DéroulèdeminorGTM or Marketing Partner · 1 June 2025Sponsorship and support for French wheelchair tennis champion and Alptis ambassador since 2023, aligned with commitment to sports, disability inclusion, and physical activity prevention.
• UMR (Union des Mutuelles Retraite)coreStrategic or Co-development Partner · 1 January 2025Partnership with UMR as reference market actor to collaborate on PER individual product development and retirement expertise.
• ParaellaminorStrategic or Co-development Partner · 1 January 2025Disability association partnership for Fitennis 'Rebond Rose' workshops at Centre Léon Bérard supporting breast cancer patients and rehabilitation through adapted physical activity.
• Hospices Civils de Lyon / Groupe La PosteminorStrategic or Co-development Partner · 1 July 2024ICOPE Grand Lyon program participation alongside major institutions for citizen prevention actions on health topics for people over 60, aligned with WHO initiative.
• CMA Auvergne-Rhône-AlpescoreStrategic or Co-development Partner · 19 June 2024Chamber of Trades and Crafts partnership signed to contribute to the development of artisanal businesses in the Auvergne-Rhône-Alpes region through cooperative framework.
• Convention des Entreprises pour le Climat (CEC)minorStrategic or Co-development Partner · 1 February 202410-month climate convention participation alongside 150 companies from Lyon Basin and Alps, resulting in published climate roadmap with ambition to move from responsible to contributory to regenerative model.
• Garde NationaleminorStrategic or Co-development Partner · 1 January 2024Partnership supporting reservist employees, demonstrating commitment to national cohesion and collective resilience.
• Association Française des AidantsminorStrategic or Co-development Partner · 1 January 2024Partnership to address caregiver support challenges in French enterprises, with Bruno Vialard (DRH) participating in podcast discussions.
• Association Coup de Pouce / Savoir Lire / Rotary ClubminorStrategic or Co-development Partner · 1 January 2024Support for literacy solidarity dictation event at Université Catholique de Lyon, with 3 Alptis teams participating to fight illiteracy and school failure.
• For Me AssistancecoreOthers · 1 March 2023External partner providing Alptis For Me employee wellbeing platform accessible 24/7 to collaborators and their families, ensuring confidentiality of exchanges.
• Entreprise MargueriteminorStrategic or Co-development Partner · 1 March 2023Care management partnership where 10 volunteer employee caregivers received specialized coaching to support their caregiving responsibilities.

Scale indicators9 records

Recent moves13 records

Expansion highlights6 records

Direct peers

• Henner: Henner is an independent French insurance broker specializing in group health, prévoyance, and retirement for international companies and expatriates. Comparable to Alptis on health-prévoyance brokerage focus and B2B intermediation model.
• Verspieren: Verspieren is a leading independent French insurance broker (courtier) offering multi-line brokerage including health, prévoyance, P&C, and retirement through intermediated distribution. Closely mirrors Alptis's wholesale brokerage model and independent positioning.
• SPVie Assurances: SPVie is a French insurance broker group distributing health, prévoyance, and savings products through independent advisor networks. Comparable to Alptis on intermediated health-prévoyance distribution with similar target advisors (CGPI, brokers).
• April Group: April is a major French insurance broker group with wholesale and direct distribution of health, prévoyance, and P&C products across multiple brands. Directly comparable to Alptis as a multi-specialist wholesale broker with similar channel strategy and target customers.

Emerging players

• Alan: Alan is a French digital health insurer offering health insurance directly to SMEs and individuals via a tech-led platform. Comparable as a French health-insurance disruptor using digital/AI channels, though Alan is an insurer/carrier rather than broker.

Broad incumbents

• Malakoff Humanis: Malakoff Humanis is a major French group protection insurer providing health, prévoyance, and retirement to enterprises and individuals. Larger incumbent with both insurance carrier and intermediary capabilities in Alptis's core segments.
• Willis Towers Watson France: WTW is a global advisory and brokerage firm with French operations in health, benefits, and risk. Larger incumbent serving similar corporate clients with broader services (consulting, actuarial) beyond insurance distribution.
• Aon France: Aon is a global insurance and reinsurance broker with significant French operations covering health, P&C, and risk management for large enterprises. Operates in the same French brokerage space but at much larger scale and broader portfolio scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/alptis-groupe

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles21 records

Subsidiaries13 records

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 Groupe Alptis