APPN INTERNATIONAL

What APPN INTERNATIONAL does

APPN INTERNATIONAL is a French non-profit mutualist association founded in 1957 by Jean Dupont, an Air France captain, that provides loss of licence and life insurance to commercial pilots worldwide. The organization serves approximately 22,000-23,000 pilots across multiple countries, with 80% of members based outside France and only 20% French nationals, evidencing a primarily international footprint. Its core products cover temporary and permanent loss of medical fitness (loss of licence), as well as death and Permanent Total Incapacity from Accident (PTIA), with coverage amounts ranging from €50,000 to €800,000. The association is governed by 15 volunteer pilot directors elected every five years and staffed by 14 full-time employees dedicated to member services.

The group operates a dual-entity structure: the mutualist association collects tiered membership fees (€3/month for founding union members SNPL and SPAF, €7/month for IFALPA members, €21/month for others), while APPN INTERNATIONAL SAS — established in 2016 with €50,000 capital and ORIAS registration — acts as a brokerage placing group insurance contracts with corporate aviation employers. Insurance capacity is secured through partnerships with MACIF for loss of licence coverage and AXA and GENERALI for death and PTIA coverage. The brokerage entity currently serves five French companies and has added new corporate clients including AIR CORSICA and CMA CGM in 2024, alongside the Austrian Cockpit Association (ACA) on the union-affiliated side. The business model is fundamentally distribution-led, relying on union affiliations and corporate relationships rather than technology or marketing scale.

Name

APPN INTERNATIONAL

Legal name

APPN INTERNATIONAL

Website

https://appn.asso.fr

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

APPN INTERNATIONAL is a French non-profit mutualist association founded in 1957 that provides loss of licence and life insurance to approximately 22,000-23,000 commercial pilots globally, with 80% international members. It operates through a brokerage subsidiary and partnerships with MACIF, AXA, and GENERALI.

Ownership category

akta.pro rank

Product category

Pilot Loss of Licence Insurance

NAICS

Insurance Agencies and Brokerages (524210), Professional Organizations (81392), Other Insurance Related Activities (52429)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Services-Membership Organizations (8600)

akta.pro primary industry

Flight/Carrier Accident Insurance (FSAJAJAI)

Keywords

• Pilot loss of licence insurance
• Aviation insurance products
• Crew member insurance
• Life and PTIA insurance
• Professional pilot coverage

Headquarters

HQ city

Athis-Mons

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, Others

Revenue model

1. Insurance Premium Contributions: Monthly membership fees and insurance premiums from individual pilot members and mandatory company contracts. Fees vary by union membership status: founding unions (SNPL, SPAF) pay €3/month, IFALPA members pay €7/month, others pay €21/month. Insurance coverage amounts range from €50,000 to €800,000 depending on product type.
2. Brokerage Operations (APPN INTERNATIONAL): APPN INTERNATIONAL operates as a broker with 5 French airline companies, generating revenue through insurance intermediation. This segment became significantly positive for MACIF in 2023.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

APPN is a non-profit mutualist association that offers and manages insurance products specifically adapted to pilots at every stage of their career, including loss of licence (temporary and definitive), death and PTIA, complementary illness, and life insurance. The association covers more than 22,000 pilots globally and distributes products through direct sales, pilot unions, and corporate airline contracts. APPN INTERNATIONAL operates as a separate SAS entity handling brokerage operations with French companies.

Product overview

APPN INTERNATIONAL offers a suite of specialized insurance products for pilots at every stage of their aviation career, managed in collaboration with major insurers AXA, GENERALI, and MACIF. The core offering comprises Loss of Licence insurance (covering both temporary and permanent loss of medical fitness), Life & PTIA insurance, complementary illness insurance, and Mutavie life insurance. Products are segmented for Active Pilots (with coverage up to €800,000), Trainee Pilots (guaranteed amounts from €50,000 to €170,000), and Jobseeker Pilots (guaranteed amounts from €50,000 to €200,000). The association operates on a non-profit mutualist model, returning surplus premiums to members as annual rebates.

Differentiator

Problem solved

Functional benefit

Products and services

• Active Pilot Insurance (Pilot in Operation) Insurance package for professional pilots in operation offering Temporary Loss of Licence (€1,000-€20,000/month), Permanent Loss of Licence (€80,000-€800,000), and Life & PTIA (€30,000-€690,000) guarantees. Coverage adjustable throughout career at no cost. Available to pilots up to age 45 without medical examination.
• Trainee Pilot Insurance Insurance coverage for pilot trainees under 35 years old covering Permanent Loss of Licence and Death & PTIA with guaranteed amounts from €50,000 to €170,000. No medical examination required for joining.
• Jobseeker Pilot Insurance Insurance coverage for pilots seeking employment providing Permanent Loss of Licence and Death & PTIA guarantees from €50,000 to €200,000. Available to pilots up to age 45.
• Complementary Illness Insurance Supplementary insurance contract covering illness, offered in addition to core Loss of Licence and Life insurance products for pilots.
• Mutavie Life Insurance Life insurance product with MACIF's Mutavie subsidiary offering euro-denominated accounts with guaranteed capital and unit-linked options. Nearly 1,000 APPN members invest in Mutavie products.

Named customers9 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• AIR CORSICAcoreChannel Partner/ Reseller/ Distributor · 1 February 2024New PLD and PLT contract signed at end of 2023, effective February 2024.
• CMA CGMcoreChannel Partner/ Reseller/ Distributor · 1 February 2024New PLD and PLT contract signed at end of 2023, effective February 2024.
• ACA (Austrian Cockpit Association)minorGTM or Marketing Partner · 1 January 2024Austrian IFALPA union with agreement established in 2024 for promoting APPN insurance products to Austrian pilots.
• MACIFcoreTechnology or Integration · 1 January 1957Primary insurer for Loss of Licence (temporary and definitive) coverage. Long-standing partnership since APPN's founding in 1957. Also provides life insurance through Mutavie subsidiary.
• AXAcoreTechnology or Integration · 1 January 1957Primary insurer for Death and PTIA (Total Permanent Irreversible Autonomy) insurance coverage. Selected by APPN for solidity and professionalism.
• GENERALIcoreTechnology or Integration · 1 January 1957Primary insurer for Death and PTIA (Total Permanent Irreversible Autonomy) insurance coverage. Selected by APPN for solidity and professionalism.
• Air FrancecoreChannel Partner/ Reseller/ DistributorMandatory contract under Air France/Macif arrangement managed by APPN. Long-standing airline partner since APPN's founding.
• CorsaircoreChannel Partner/ Reseller/ DistributorMandatory contract since January 1, 2004 for loss of licence coverage.
• Air AustralcoreChannel Partner/ Reseller/ DistributorMandatory contract since August 1, 2010 for PLD and PLT coverage, expanded in October 2017.
• easyJetcoreChannel Partner/ Reseller/ DistributorMandatory Temporary Loss of Licence contract since January 1, 2013. Definitive Loss of Licence under negotiation.
• CityJetcoreChannel Partner/ Reseller/ DistributorMandatory contract since May 1, 2015 for loss of licence coverage.
• HOP!coreChannel Partner/ Reseller/ DistributorMandatory contract since July 1, 2017. Results improving in 2023-2024.
• Aigle AzurcoreChannel Partner/ Reseller/ DistributorMandatory contract since February 1, 2018 for loss of licence coverage.
• IFALPA (International Federation of Air Line Pilots' Associations)coreGTM or Marketing PartnerInternational federation of pilot associations. Pilot unions affiliated with IFALPA receive reduced APPN membership fees. Multiple agreements with European pilot unions under IFALPA umbrella.
• SNPL (Syndicat National des Pilotes de Ligne)coreGTM or Marketing PartnerFounding union of APPN. Members receive lowest association fee (€3/month). Multiple SNPL-affiliated pilots on Board of Directors.
• SPAF (Syndicat des Pilotes Air France)coreGTM or Marketing PartnerFounding union of APPN. Members receive lowest association fee (€3/month).

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Global Aerospace: Leading specialist aviation insurance underwriter offering crew and pilot insurance products. Comparable as a specialized carrier covering pilot/crew risks, though broader than APPN's pilot-only focus.
• Aon (Aviation Practice): Global insurance broker with deep aviation expertise providing pilot insurance placement. Comparable as a placement intermediary for aviation-specific coverage, including loss-of-licence products.
• Allianz Global Corporate & Specialty (Aviation): Major aviation insurance provider offering pilot/crew coverage as part of a broader aviation portfolio. Comparable on product overlap, though it serves a much wider aviation insurance market beyond pilots.
• Marsh (Aviation Practice): Global insurance broker with a dedicated aviation practice that places pilot and crew coverage. Comparable brokerage function relative to APPN INTERNATIONAL SAS, though serves much broader aviation risk.
• Starr Aviation: Aviation insurance specialist offering pilot and crew coverage including loss-of-licence style products. Comparable on product overlap, though operates as a commercial carrier rather than mutualist.

Regional players

• BALPA (British Air Line Pilots' Association): UK pilot union offering member benefits including pilot insurance and legal protection. Comparable mission and member-driven governance model, but UK-focused rather than serving continental Europe.

Others

• SNPL (Syndicat National des Pilotes de Ligne): Founding French pilot union partner of APPN. Comparable as a stakeholder in the French pilot ecosystem rather than a competitor; SNPL directs members to APPN and shares governance representation.
• IFALPA (International Federation of Air Line Pilots' Associations): Global federation of pilot unions. APPN is itself affiliated via member unions, and IFALPA shape the loss-of-licence insurance landscape through pilot advocacy and standards — comparable as an ecosystem participant rather than direct competitor.

Direct peers

• ALPA (Air Line Pilots Association, International): North American pilot union providing member benefits including insurance programs for pilots. Comparable union-driven member services and pilot advocacy role, though US/Canada-focused.
• AOPA (Aircraft Owners and Pilots Association): US-based pilot membership organization providing pilot insurance and protection products (including Pilot Protection Services). Directly comparable mutualist model serving pilots with loss-of-licence-style coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/appn-pilots-insurances

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 APPN INTERNATIONAL