Epargnissimo
Epargnissimo is a Toulouse-based online insurance broker (ORIAS-registered SAS, 5 employees) that distributes individual French life insurance (assurance-vie) and retirement savings (PER) products from insurer partners Suravenir and Spirica exclusively through its digital subscription platform, targeting French retail investors seeking low-fee wrappers.
- Company typePrivate
- Founded2008
- HeadquartersToulouse, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Epargnissimo does
Epargnissimo is a privately held French online insurance broker (courtier d'assurance, ORIAS registration no. 09 049 292) headquartered in Toulouse, founded in 2008 and structured as a Société par Actions Simplifiée (SAS). The company distributes individual life insurance (assurance-vie) and retirement savings (PER) products exclusively through its digital platform, operating with only 5 employees and a €3,000 registered capital base. Its current active product portfolio comprises two life insurance contracts — Croissance Avenir (insured by Suravenir, with 700+ unit-linked supports) and Life Epargne by Epargnissimo (insured by Spirica, a Crédit Agricole Assurances subsidiary launched in April 2026, with 1,000+ unit-linked supports) — alongside the Suravenir PER individual retirement savings plan and the Croissance Avenir Capitalisation contract. Legacy contracts (Croissance Avenir PERP, NETLIFE) remain active for existing customers but are closed to new subscriptions since September 15, 2020.
The platform is built around a fully digital subscription tunnel (monprojet.epargnissimo.fr) that guides customers through investor profiling, ESG preference assessment aligned with SFDR Article 6/8/9 classifications, contract selection, electronic signature, and ongoing management via an espace client portal. The technology stack is conventional: Infomaniak web hosting, Google Analytics and Tag Manager, social media integrations (Facebook, Twitter, LinkedIn, Instagram), and video embeds (YouTube, Vimeo). Epargnissimo's commercial model is commission-based revenue earned from insurer partners on premiums distributed, with no disclosed external funding. Distribution is exclusively direct-to-consumer and digital — no physical retail branches — supported by phone-based advisory sales, video conferencing, and a referral program paying €75 per converted lead (up to 10 referrals/year). Customers are individual French tax residents seeking low-fee assurance-vie and PER wrappers, with a value proposition anchored on 0% entry and arbitration fees, management fees of 0.50%-0.60%, and access to labeled ESG funds, Private Equity, SCPI, and structured products.
Epargnissimo firmographics
Firmographics- Name
- Epargnissimo
- Legal name
- EPARGNISSIMO
- Website
- https://epargnissimo.fr
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Epargnissimo is a Toulouse-based online insurance broker (ORIAS-registered SAS, 5 employees) that distributes individual French life insurance (assurance-vie) and retirement savings (PER) products from insurer partners Suravenir and Spirica exclusively through its digital subscription platform, targeting French retail investors seeking low-fee wrappers.
- Ownership category
- akta.pro rank
Epargnissimo industry classification
Industry- Product category
- Online Insurance Brokerage (Life Insurance & Retirement Savings)
- NAICS
- Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)
- akta.pro secondary industry
- Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where Epargnissimo is headquartered
LocationHeadquarters
- HQ city
- Toulouse
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Epargnissimo business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Insurance Distribution Commissions: Epargnissimo earns commissions from insurance companies (Suravenir, Spirica) for distributing their life insurance and PER products. As an insurance broker (courtier d'assurance category b) registered with ORIAS, the company is paid by the insurer for each contract subscribed through its platform. Commissions are typically a percentage of premiums paid by customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Pay-as-you-go | Life Epargne by Epargnissimo (Spirica) — access from €500 initial, €100 subsequent |
| Subscription | Pay-as-you-go | Croissance Avenir (Suravenir) — access from €100 initial |
| Subscription | Pay-as-you-go | Suravenir PER (Suravenir) — access from €1,000 initial |
| Subscription | Multi-year contract | Welcome Offers (subject to conditions) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels9 records
Epargnissimo product offering
Product offeringCore offering
Epargnissimo is an online insurance broker that distributes individual life insurance contracts (Croissance Avenir with Suravenir; Life Epargne by Epargnissimo with Spirica/Crédit Agricole Assurances), an individual retirement savings plan (Suravenir PER), and a capitalization contract (Croissance Avenir Capitalisation) to French retail investors through a 100% digital subscription tunnel. The platform provides investor profiling, ESG preference questionnaires, contract comparators, and expert advisor support by phone, email, and video conference. All contracts feature 0% entry fees, 0% arbitration fees, and access to euro funds plus diverse unit-linked supports (ETF, SCPI, OPCVM, Private Equity, ESG-labeled funds).
Product overview
Epargnissimo is an online insurance brokerage platform offering a comprehensive portfolio of savings and retirement products. The core offerings include three main insurance contracts: Croissance Avenir (life insurance with Suravenir), Life Epargne by Epargnissimo (life insurance with Spirica/Crédit Agricole Assurances), and Suravenir PER (individual retirement savings plan). A capitalization contract (Croissance Avenir Capitalisation) and legacy products (NETLIFE, Croissance Avenir PERP - both closed to new subscriptions) round out the portfolio. All products feature reduced fees, 100% digital subscription, and access to euro funds plus diverse unit-linked investments (ETF, SCPI, OPCVM, Private Equity, labeled ESG funds). The platform also provides complementary tools including an investor profile simulator and product comparators.
Differentiator
Problem solved
Functional benefit
Brands
- Croissance Avenir: Life insurance contract insured by Suravenir with low fees, 2 euro funds and access to 700+ unit-linked supports
- Life Epargne by Epargnissimo
- Suravenir PER
- Croissance Capitalisation
- NETLIFE
Products and services
- Croissance Avenir Online life insurance contract offered in partnership with Suravenir, providing access to euro funds (including Suravenir Opportunités 2 with target +4.50% net non-guaranteed for 2026-2027) and over 700 unit-linked supports including ETF, SCPI, OPCVM. Features 0% entry fees, 0% arbitration fees, and reduced management fees of 0.60% per year in free management mode. Ranked 2nd in Investir magazine's 2026 Best Online Life Insurance ranking. Minimum initial investment €100.
- Life Epargne by Epargnissimo Online life insurance contract insured by Spirica (subsidiary of Crédit Agricole Assurances), offering euro funds (including Euro Nouvelle Génération and Euro Objectif Climat, the first Article 9 euro fund on the market) and over 1,000 unit-linked supports including ETF, SCPI, OPCVM. Features 3 management modes (free, discretionary mandate via Lazard Frères Gestion, horizon-based profiled managed) and reduced management fees of 0.50% per year on unit-linked accounts. Minimum initial investment €500, subsequent contributions from €100.
- Suravenir PER (Plan d'Épargne Retraite Individuel) Individual retirement savings plan (PER) insured by Suravenir, offering competitive euro fund returns (Suravenir Rendement 2: 2.30% net yield in 2024) and access to over 350 unit-linked supports including ETF, SCPI, and 280+ ESG/ISR-labeled funds. Features 3 management modes and reduced fees with 0% entry fees, 0.60% management fees on unit-linked accounts in free management, and 0.80% on the euro fund. Minimum initial investment €1,000.
- Croissance Avenir Capitalisation Capitalization contract (contrat de capitalisation) offered alongside Croissance Avenir, providing similar investment options with euro funds and unit-linked supports for medium to long-term savings objectives, designed for investors seeking wealth-building outside the assurance-vie wrapper.
Quantifiable outcome
- Croissance Avenir ranked 2nd out of online life insurance providers in Investir magazine's 2026 ranking
- +3 more outcomes
Companies that use Epargnissimo
Customer profileSegments1 record
Ideal customer profiles1 record
Epargnissimo technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature4 records
Epargnissimo partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- SuravenircoreSuravenir is the primary insurer partner managing Croissance Avenir (life insurance) and Suravenir PER (individual retirement savings plan). It is a mixed insurance company (Société Anonyme à directoire et conseil de surveillance) regulated by the French Insurance Code, with capital of €1,305,000,000, headquartered in Brest. Epargnissimo distributes Suravenir products exclusively online as the primary carrier of its product range. Both companies are subject to ACPR (Autorité de Contrôle Prudentiel et de Résolution) oversight.
- SpiricacoreSpirica, a subsidiary of Crédit Agricole Assurances (S.A. au capital de €256,359,096), is the insurer for the Life Epargne by Epargnissimo contract. It is regulated by the ACPR (registration no. 1021306). Epargnissimo launched Life Epargne in April 2026 as a new online life insurance product. Spirica also manages older NetLife and NetLife 2 contracts (closed to new subscription).
- APICILminorAPICIL is referenced as one of Epargnissimo's partner insurers alongside Suravenir and Spirica, shown in the insurers logo section of the website. Specific product details are not extensively documented in available sources.
- Centre du PatrimoineminorCentre du Patrimoine is listed among Epargnissimo's partners to whom client personal data may be transmitted as part of the company's data sharing practices disclosed in its privacy policy.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Epargnissimo competitors and assessment
Company assessmentOthers
- Suravenir: Primary insurer partner of Epargnissimo (Crédit Mutuel Arkéa). While not a direct competitor, Suravenir enables the broker's product range and also distributes via its own captive channels, making the partner relationship both strategic and partially competitive.
Direct peers
- Magnolia.fr: Online life insurance broker (Crédit Mutuel Arkéa-owned) distributing contracts from Suravenir and other carriers. Directly competes in the zero-fee online assurance-vie niche targeting independent French savers.
- Mes-Placements.fr: French online savings broker offering assurance-vie, PER and capitalization contracts distributed digitally via multiple insurer partners. Same DTC digital broker model targeting fee-conscious French savers.
- AssuranceVie.com: Online life insurance comparison and brokerage platform serving French retail investors. Comparable digital brokerage of assurance-vie and PER contracts from multiple carriers.
- Meilleurtaux Assurance Vie: Online life insurance brokerage from the Meilleurtaux group offering comparator-driven distribution of multiple carriers' contracts. Directly comparable distribution model and target customer (French retail savers comparing online contracts).
- Linxea: French online insurance broker specializing in life insurance (Linxa Spirit, Linxa Spirit 2) and retirement savings via Suravenir and Apicil. Most direct head-to-head competitor to Epargnissimo in the digital-only assurance-vie segment.
- Lucya Cardif: BNP Paribas Cardif's online life insurance broker offering assurance-vie contracts through digital subscription. Comparable digital-only distribution model targeting fee-conscious French retail investors.
- Placement-direct.fr: Pure-player online life insurance broker (now part of AG2R La Mondiale) distributing Suravenir and other carrier contracts at zero entry fees. Closely comparable zero-fee digital broker positioning.
Broad incumbents
- Boursorama Banque: Société Générale's online bank offering bundled life insurance (Boursorama Vie) and PER. Much larger incumbent with broader financial services; competes for the same French retail saver seeking low-cost digital products.
- Fortuneo Banque: Arkéa-owned online bank offering life insurance (Fortuneo Vie) and PER as part of a broader retail banking suite. Comparable DTC digital savings offering bundled with banking.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Epargnissimo social profiles
Digital presenceEpargnissimo compliance and trust
Trust signalCompliance4 records
Epargnissimo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Epargnissimo leadership team
Management profileNumber of profiles
Profiles2 records
Epargnissimo funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Epargnissimo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Epargnissimo
What does Epargnissimo do?
Epargnissimo is an online insurance broker that distributes individual life insurance contracts (Croissance Avenir with Suravenir; Life Epargne by Epargnissimo with Spirica/Crédit Agricole Assurances), an individual retirement savings plan (Suravenir PER), and a capitalization contract (Croissance Avenir Capitalisation) to French retail investors through a 100% digital subscription tunnel. The platform provides investor profiling, ESG preference questionnaires, contract comparators, and expert advisor support by phone, email, and video conference. All contracts feature 0% entry fees, 0% arbitration fees, and access to euro funds plus diverse unit-linked supports (ETF, SCPI, OPCVM, Private Equity, ESG-labeled funds).
Is Epargnissimo a public or private company?
Epargnissimo is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Epargnissimo founded?
Epargnissimo was founded in 2008. It employs 1 to 10 people.
Where is Epargnissimo based?
Epargnissimo is headquartered in Toulouse, France, in the Europe region.
How does Epargnissimo make money?
One revenue line is on record: insurance Distribution Commissions.
Who are Epargnissimo's main competitors?
Suravenir is listed as an others. Direct peers are Magnolia.fr, Mes-Placements.fr, AssuranceVie.com, Meilleurtaux Assurance Vie, Linxea, Lucya Cardif and Placement-direct.fr. Broad incumbents are Boursorama Banque and Fortuneo Banque.
Does Epargnissimo have an API?
No public API is recorded for Epargnissimo.
What industry is Epargnissimo in?
Epargnissimo's product category is Online Insurance Brokerage (Life Insurance & Retirement Savings). Its primary akta.pro industry code is FSAGAGAD, Customer Engagement, CRM & Agent/Broker Enablement Platforms, with a secondary code of FSAGAGAE, Data, Analytics & AI for Insurance (Risk, Pricing, Personalization). Its NAICS code is 523940 and its SIC code is 6411.