UNICED Association

What UNICED Association does

UNICED is a French non-profit insurance association (Association Loi de 1908), founded in 2020 and headquartered at 4 rue des Messageries, Metz, that distributes Allianz-underwritten insurance products exclusively to liberal professionals in the accounting and legal sectors — chartered accountants, statutory auditors, lawyers, notaries, bailiffs, and commissioners of justice — across all French metropolitan departments and overseas territories (DROM-COM). The association operates through a national network of 3,300+ affiliated advisors (a later figure cites 4,000+ partners), supported by 50 staff at the Metz headquarters and delegating operational management to Assurances Médicales SA.

The product architecture combines four UNICED-branded core products — Garantie des Associés Cabinet de Groupe (cross-partnership insurance for business continuity), Prévoyance Individuelle (with invalidity coverage from 10%, the lowest on the market), Complémentaire Santé Individuelle (four tiers: Eco, Confort, Prestige, Premium, with Madelin-law tax deductibility), and Assurance Emprunteur (with coverage to age 85) — with an extended Allianz catalogue covering home, auto, two-wheeler, connected driving, legal protection, employee provident, and retirement/pension plans (PER Horizon, Article 39, PEE/PERCO). The digital member experience runs on dedicated portals (espace adhérent, espace apporteur, espace Cabinet de Groupe) and integrates third-party platforms from the Allianz ecosystem: Allyz Assist (needs routing and prevention, launched January 2024), Santéclair (health provider geolocation, appointment booking, optical/dental/hearing quote analysis, second medical opinion within 7 days from 100+ specialists), and Allianz Assistance.

The business model is subscription/recurring: members pay annual cotisations to the association in exchange for access to negotiated preferential rates and bundled insurance, assistance, and health services. Distribution is sales-led via the advisor network, supported by an event-driven community channel (Juris Master golf competition) and digital quote-request flows on uniced.fr; the association has no self-service e-commerce sales channel. The addressable base is concentrated in two narrow French professional verticals (~22,000+ accounting professionals plus thousands of legal professionals), and Allianz is effectively the sole underwriting and product partner, making the supply-side concentration a defining structural feature.

Name

UNICED Association

Legal name

UNICED

Website

https://uniced.fr

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

UNICED is a French insurance association founded in 2020 that distributes Allianz-underwritten health, provident, borrower, and personal insurance exclusively to French accounting and legal liberal professionals, serving a base of ~22,000+ accounting professionals and thousands of legal practitioners via 3,300-4,000+ affiliated advisors nationwide.

Ownership category

akta.pro rank

Product category

Affinity Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

akta.pro secondary industries

Group AD&D (Standalone or Bundled with Life) (FSAIADAG), Universal Life (UL) Insurance (FSAIABAB)

Keywords

• Professional insurance products
• Mutual insurance association
• Affinity group insurance
• Retirement savings plans
• Borrower insurance coverage

Headquarters

HQ city

Metz

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, Supply Chain, Others

Revenue model

1. Membership Contributions / Insurance Distribution: UNICED generates revenue through annual membership fees (cotisations annuelles). Members pay a yearly contribution to the association in exchange for access to negotiated insurance products (health, provident, borrower, and group cabinet insurance) and bundled services (assistance, legal protection, health services). The association acts as an insurance affinity group and distributor, earning commissions or contributions from the sale of the underlying insurance contracts underwritten by Allianz.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

UNICED is a member-governed affinity association that negotiates and distributes insurance and savings products exclusively to French accounting (Chiffre) and legal (Droit) liberal professionals. It offers profession-specific health, provident, borrower, and partner-share insurance under its own brand, alongside a broader Allianz catalog covering home, auto, moto, accident, legal protection, retirement savings, and employee savings. Membership is acquired through a nationwide network of 3,300+ advisors and the uniced.fr web platform, and the offering is bundled with value-added services (Santéclair health management, Allyz Assist, legal protection, assistance).

Product overview

UNICED Association is an insurance association exclusively for accounting and legal professionals (experts-comptables, commissaires aux comptes, notaires, huissiers, avocats, commissaires de justice), offering UNICED-branded insurance products alongside a comprehensive Allianz insurance portfolio. UNICED's own products include Garantie des Associés Cabinet de Groupe (cross-partnership insurance for business continuity), Prévoyance Individuelle (individual provident insurance), Complémentaire Santé Individuelle (supplemental health insurance with four tiers), and Assurance Emprunteur (loan insurance). The Allianz partnership adds property insurance (Habitation for students, standard, and non-occupying co-owners; Immeuble for buildings), retirement solutions (PER Horizon individual, Retraite Entreprise Article 39 corporate), employee savings (Epargne Salariale PEE/PERCO), accident coverage (Garantie des Accidents de la Vie), legal protection, and vehicle insurance (Auto, Conduite connectée connected driving, Moto). The product architecture combines association-exclusive provident and health coverage with Allianz's full insurance range, all accessible through member portals and supported by Santéclair and allyz Assist digital platforms.

Differentiator

Problem solved

Functional benefit

Products and services

• UNICED Garantie des Associés - Cabinet de Groupe Cross-partnership (Cabinet de Groupe) insurance that protects business continuity in the event of death, total permanent disability, or work stoppage of a partner, enabling surviving partners to buy out the affected partner's shares from beneficiaries. Targeted at multi-partner accounting and legal firms.
• UNICED Prévoyance Individuelle Individual provident insurance for accounting and legal professionals covering work stoppage, disability, and death, with daily allowances, partial disability coverage starting at 10%, and accidental death multiplier caps.
• UNICED Complémentaire Santé Individuelle Individual supplemental health insurance offered in four coverage tiers (Eco, Confort, Prestige, Premium) with optional add-ons for refractive surgery, hearing aids, and dental implants. Eligible for Madelin-law tax deductibility for liberal professionals.
• UNICED Assurance Emprunteur Loan insurance designed specifically for legal and accounting professionals, covering death, total permanent disability, and professional invalidity with coverage up to age 85 and back/psyche options that do not require hospitalization.
• Allianz Habitation Étudiant Student home insurance with preferential rates covering furniture up to €10,000, essential guarantees (fire, water damage, civil liability, emergency assistance), with reduced pricing for children of existing Allianz policyholders. Targeted at students in Chiffre and Droit studies.
• Allianz Habitation Multi-risk home insurance for tenants and owners, offering customizable coverage including new replacement value, quick claims settlement with Amazon credit for damaged items, and Darty appliance repair.
• Allianz Copropriétaires non occupants Home insurance for non-occupying co-owners providing mandatory ALUR law coverage, with customizable policies including fire, water damage, civil liability, and optional theft and specific damage coverage.
• Allianz Immeuble Multi-risk property insurance for building owners covering civil liability, defense costs, protection against fire/water/theft, lost rent coverage up to 2 years, and 24/7 technical assistance.
• Allianz Prévoyance Entreprise Collective employee provident insurance for small businesses with three independent modules (death, accidental death, education/spouse annuities and disability), including branch CCN compliance options.
• Allianz PER Horizon Individual Plan d'Épargne Retraite (PER) allowing contributions from €50/month with flexible withdrawal as annuity or capital, accessible before retirement for primary residence purchase or emergencies.
• Allianz Retraite Entreprise (article 39) Defined benefit corporate retirement plan (Article 39) offering executive rente viagère with additive or differential (chapeau) formula options, managed through the ANCRE association with priority or freedom investment choices.
• Allianz Épargne Salariale Employee savings plan offering PEE and PERCO options with company contribution matching, managed by Allianz Global Investors France and Federal Finance, with free arbitration between funds.
• Allianz Garantie des Accidents de la Vie Daily life accident insurance covering death and disability (from 5% or 25% depending on formula), with coverage up to €1 million per person, including extreme sports and foreign assistance services.
• Allianz Protection Juridique Legal protection insurance covering digital risks (e-reputation, identity theft), fiscal issues, share ownership disputes, and debt collection, with dedicated jurist support and partial legal fee coverage.
• Allianz Auto Modular auto insurance with five formulas (Eco, Tiers C1/C1+, Intermediate C2, All Risks C3) offering up to 15% UNICED member discount, including home vehicle pickup and courtesy car.
• Allianz Conduite connectée Connected driving program using a TomTom LINK 100 device and smartphone app to reward responsible driving with up to 30% premium reduction based on driving behavior, intensity, and vehicle usage.
• Allianz Moto Two-wheeled vehicle insurance for motorcycles and scooters with four coverage levels (Obligatoire, Intermédiaire, Collision, Tous Risques), offering up to 25% reduction for specific use patterns and 60% multi-policy discount when auto is also insured with Allianz.

Quantifiable outcome

• Invalidity partial coverage starting at 10% — lowest rate on the market
• +10 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Eleven partnerships are on record, tiered minor and core.

• Allianz Partners + Dépist&VousminorStrategic or Co-development Partner · 30 October 2024A strategic partnership announced October 2024 between Allianz Partners and medical startup Dépist&Vous, accessible to UNICED members through the Allyz Assist platform. Provides personalized cancer prevention and early screening pathways for breast, colon, cervical, and skin cancers, along with medical questionnaires, health professional directories, and tailored recommendations. Addresses a public health gap where only 45% of recommended screenings were being performed as of September 2024.
• Allianz (multiple entities: Allianz, Allianz France, Allianz Partners, Allianz Assistance, Allianz Protection Juridique, Allianz Vie, Allianz Global Investors France)coreStrategic or Co-development PartnerUNICED's primary strategic partner for all insurance products. Allianz is the #1 insurer in Europe. The partnership provides UNICED members with preferential rates and guarantees negotiated through the association's collective purchasing power. The relationship preserves UNICED's independence while leveraging Allianz's financial strength, product innovation, and distribution infrastructure. Products include health, provident, borrower, home, auto, legal protection, assistance, and retirement/pension plans.
• SEPSADminorGTM or Marketing PartnerSEPSAD provides remote surveillance (télésurveillance) services to UNICED members, including alarm system installation, maintenance, security intervention, and police notification in case of intrusion. Offered as a member benefit through a 'tout compris' pricing model. Members must mention their UNICED membership when contacting SEPSAD.
• SantéclaircoreTechnology or IntegrationSantéclair provides a suite of digital health management services included in UNICED health contracts: provider geolocation, appointment booking, optical/dental/hearing quote analysis with cost estimates, nutrition/sleep/sports coaching, hospital ranking, nursing home search, and second medical opinion from 100+ specialists within 7 days. Accessed via the MySantéclair portal integrated into UNICED's member dashboard.
• Assurances Médicales SAcoreImplementation/ SI/ Consulting PartnerAssurances Médicales SA serves as the delegating manager (délégataire) for UNICED's insurance operations, handling site production, information storage, and day-to-day management of member relations. It operates the member-facing portals and provides customer service by phone (03 87 56 55 54, Monday-Friday 9h-18h).
• HertzminorGTM or Marketing PartnerHertz provides vehicle rental services at preferential conditions to UNICED members, as part of the broader member benefits program.
• Bureau du GolfminorGTM or Marketing PartnerBureau du Golf organizes the annual Juris Master golf competition exclusively for professionals of the Chiffre and Droit. UNICED has been a partner since the event's creation in 2020, using it as a community-building and brand visibility platform across 12 regional qualifiers and a national final.
• CNBF (Caisse Nationale des Barreaux Français)minorOthersListed as a useful address for UNICED members. CNBF is the national pension fund for French lawyers. UNICED provides referral information to its members regarding professional retirement planning.
• CAVEC (Caisse d'Assurance Vieillesse des Experts-comptables et des Commissaires aux comptes)minorOthersListed as a useful address for UNICED members. CAVEC manages retirement coverage for chartered accountants and statutory auditors. UNICED directs its accounting-professional members to CAVEC for pension coordination.
• CPRN (Caisse de Prévoyance et de Retraite des Notaires)minorOthersListed as a useful address for UNICED members. CPRN is the pension and provident fund for French notaries.
• CAVOM (Caisse d'Assurance Vieillesse des Officiers Ministériels)minorOthersListed as a useful address for UNICED members. CAVOM manages retirement coverage for ministerial officers and judicial company employees.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Malakoff Humanis: Major French mutual formed from the merger of Malakoff Médéric and Humanis, focused on health, provident, retirement, and savings for employees, professionals, and enterprises. Comparable as a large French provident/retirement mutual that serves affinity segments and competes for the same professional wallet.
• SwissLife France: French life, health, and retirement insurer with strong individual and professional segments. Comparable as a broad French life/health insurer that offers savings, retirement, and protection products to the same liberal professional target.
• Allianz France: UNICED's primary underwriting partner and Europe's #1 insurer, offering the full life, health, property, casualty, and retirement product suite in France. Comparable as the broader umbrella under which UNICED's affinity distribution operates and the source of UNICED's preferential terms.
• AG2R La Mondiale: Major French mutual insurer specializing in retirement, provident, health, and savings products, serving both individuals and corporate clients including professional affinities. Comparable as a large French provident/health mutual that competes for the same professional member wallet.
• KLESIA: French mutual insurer specialized in provident, health, and retirement products for enterprises, professionals, and association members via group/affinity schemes. Comparable to UNICED's mutual/affinity distribution of provident and health benefits for defined professional populations.
• AXA France: One of France's largest broad-line insurers offering health, life, provident, auto, home, and retirement products to individuals and professionals. Comparable as a major French incumbent that competes with Allianz and could absorb or disintermediate UNICED's niche if it chose to.

Direct peers

• La Médicale: French mutual insurer serving physicians and healthcare professionals with profession-specific health, provident, and retirement products. Closely comparable to UNICED's model of distributing affinity-bundled insurance products to a defined liberal professional segment in France.
• MACSF: Mutual insurer dedicated to French healthcare and legal professionals, distributing health, life, provident, and professional liability products through a mutual governance structure. Comparable to UNICED as another affinity-based insurance scheme serving a specific French liberal professional niche with member-governed decision-making.
• Henner: French insurance broker and group benefits specialist serving enterprises, professionals, and individuals with health, provident, and retirement products. Comparable to UNICED as a French intermediary focused on professional affinity segments with negotiated preferential conditions.
• April: French insurance broker specialized in health, provident, and personal insurance products for individuals and professionals. Peer to UNICED as a France-based distribution layer that aggregates and delivers insurance products from multiple carriers to defined segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/uniced-association

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 UNICED Association