Lucya Group

What Lucya Group does

Lucya Group is a privately held French digital savings and life insurance broker (SAS, registered in Paris, RCS 478 594 351) operating under the commercial brand Assurancevie.com. Founded around 2003 and structured as an ORIAS-registered CIF (#07004394) and insurance broker under ACPR/AMF supervision, the company distributes a curated shelf of life insurance (assurance vie), pension savings (PER), and capitalisation contracts under exclusive co-branded arrangements with AXA France Vie, CNP Assurances, Cardif (BNP Paribas), Abeille, and Suravenir. Its technology stack consists of a web-based brokerage platform (lucya.com, assurancevie.com) supporting self-serve online subscription, electronic signatures, secure client portals, contract comparison tooling, and a discretionary delegated management service (gestion déléguée) advised by Lucya.

The company serves approximately 170,000 individual French savers and manages approximately €6 billion in assets under advisory. Its GTM is fully digital and direct-to-consumer with no physical branches; advisory is delivered by phone (Monday–Friday 9:00–18:30, Saturday 9:30–13:00) and email, supplemented by content marketing, organic social, paid search, and a paid referral (parrainage) program paying €100 to referrers and €50 to referred clients. A significant inflection was the 2025–2026 acquisition and migration of the Carrefour Banque life insurance book (Carrefour Horizons, Avenir, Perspectives DSK), re-platformed onto Lucya's infrastructure as "Lucya by AXA 1" with AXA remaining the insurer.

Lucya's revenue model is brokerage-driven: it earns commissions from insurer partners on new subscriptions and on assets under management (encours), plus a +0.25% annual overlay fee on assets held under its gestion déléguée service. Pricing is positioned as among the lowest in the French online savings market: 0% entry fees, 0% subscription fees, and free unlimited arbitrage fees across all contracts. The company is led by President Édouard Michot, holds €2,200,000 in share capital, and has been consecutively recognized by French financial press (Label d'Excellence 2025 and 2026, Trophée d'Or Le Revenu, Oscar Gestion de Fortune).

Name

Lucya Group

Legal name

Lucya SAS

Website

https://lucya.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

101–250 employees

Short description

Lucya Group is a French independent digital savings and life insurance broker (operating via Assurancevie.com) that distributes exclusive life insurance, PER, and capitalisation contracts from AXA, CNP Assurances, Cardif, Abeille, and Suravenir to roughly 170,000 individual French savers holding approximately €6 billion in assets.

Ownership category

akta.pro rank

Product category

Online Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Customer Engagement, CRM & Agent/Broker Enablement Platforms (FSAGAGAD)

Keywords

• Online savings platform
• Life insurance brokerage
• Pension savings plans
• Capitalization contracts
• Digital wealth management

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Lucya earns commissions (courtages) from partner insurance companies (AXA, CNP Assurances, Cardif, Abeille, Suravenir) for distributing their life insurance, PER, and capitalisation products. These are one-time and recurring trail commissions based on assets under management (encours) and new subscriptions. This is the primary revenue stream as a licensed insurance broker (courtier d'assurance) registered with ORIAS.
2. Management fee sharing (gestion déléguée): Lucya charges additional annual management fees (0.25% additionnels) on assets managed through its delegated management (gestion déléguée) service, on top of the base contract management fees charged by the insurer. This creates a recurring revenue stream tied to AUM in managed portfolios.
3. Referral and marketing fees: Revenue from referral arrangements and potentially from affiliate relationships with financial product providers. The company also owns and operates the brand assurancevie.com as a commercial platform.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Lucya Group operates an independent digital brokerage platform that distributes and administers life insurance (assurance vie), pension savings plans (Plan d'Épargne Retraite — PER), and capitalization contracts underwritten by major French insurers (AXA France Vie, CNP Assurances, Cardif/BNP Paribas, Abeille Vie, Suravenir). As a registered insurance broker (courtier d'assurance ORIAS #07 004 394) and financial investment advisor (CIF), the company provides fully online subscription with electronic signatures, delegated portfolio management (Gestion Déléguée), and phone/email advisory services to individual French savers. The platform manages approximately €6 billion in client assets across nearly 170,000 clients, with key products branded as Lucya CNP, Lucya Cardif, Lucya by AXA, Lucya Abeille, and their PER/Capitalisation variants.

Product overview

Lucya Group operates as an independent digital savings and life insurance broker in France, offering a multi-partner platform across three core product lines: life insurance (assurance vie multisupport), pension savings (Plan d'Épargne Retraite — PER), and capitalization contracts. The products are distributed exclusively online through lucya.com and are underwritten by major insurance partners including CNP Assurances (Lucya CNP, Lucya CNP Capitalisation), Cardif/BNP Paribas (Lucya Cardif, Lucya Cardif Capitalisation, Lucya Cardif PER), AXA France Vie (Lucya by AXA, Lucya by AXA 1), Abeille Vie (Lucya Abeille, Lucya Abeille PER), and Suravenir (Suravenir PER). The platform also offers a delegated management service (Gestion Déléguée, conseillée par Lucya) across several contracts, and a referral program. With over 170,000 clients and approximately €6 billion in assets under management, Lucya positions itself on low fees (0% entry/arbitrage fees on most products) and digital-first service delivery, with customer support available by phone Monday–Friday 9:00–18:30 and Saturday 9:30–13:00.

Differentiator

Problem solved

Functional benefit

Brands

• Lucya CNP: Exclusive online life insurance and capitalisation product developed in partnership with CNP Assurances, launched April 2026.
• Lucya Cardif
• Lucya Abeille
• Lucya by AXA
• Lucya CNP Capi
• Lucya Cardif Capitalisation
• Suravenir PER
• Puissance Avenir

Products and services

• Lucya CNP A fully online life insurance policy (assurance vie multisupport) distributed in partnership with CNP Assurances, accessible from €500 with 0% entry fees. Offers unit-linked investments, ETFs, real estate, private equity, nearly 600 stocks, and a euro-denominated fund backed by CNP Assurances' general assets. Available exclusively through Lucya.com for individual French savers.
• Lucya Cardif A digital life insurance contract (assurance vie multisupport) created in partnership with Cardif (BNP Paribas). Offers management delegation (Gestion Déléguée) advised by Lucya, over 1,200 units of account, and competitive fee structure (0.50% UC in free management, +0.25% for delegated). Euro fund yielded 2.75% net in 2025.
• Lucya by AXA A 100% digital life insurance contract offered in partnership with AXA France Vie. Features a euro-denominated fund (Fonds Général Lucya by AXA, 2.25% net in 2025), over 300 unit-of-account supports, free unlimited arbitrages, 0% entry fees, and a delegated management option (AXA IM Select Sélection Live). Includes a bonus offer of up to 1.85% for 2026-2027.
• Lucya by AXA 1 The rebranded name for former Carrefour Banque life insurance contracts (Carrefour Horizons, Carrefour Avenir, Carrefour Perspectives DSK), migrated to the Lucya platform under AXA France Vie as insurer. Offers approximately 850 unit-of-account supports, 0% entry fees, and free unlimited arbitrages.
• Lucya Abeille A digital life insurance contract (assurance vie multisupport) developed with Abeille Vie. Accessible from €500, offering competitive management fees (0.60% UC in free management), bonus offers up to 2% for 2026-2027, and access to the Abeille Actif Garanti euro fund (2.51% net return in 2025).
• Lucya Cardif PER A digital pension savings plan (Plan d'Épargne Retraite — PER) insured by Cardif Retraite (Groupe BNP Paribas). Features 0% entry fees, delegated management advised by Lucya, a euro-denominated fund (2.75% net return in 2025), and over 2,300 unit-of-account supports. Offers bonus transfer and contribution campaigns of up to 1.80% for 2026-2027.
• Lucya Abeille PER A digital pension savings plan (PER) developed with Abeille Vie / Abeille Retraite Professionnelle. Offers access to the Abeille RP Garantie Retraite euro fund (2.96% net return in 2025), over 250 unit-of-account supports, and bonus campaigns of up to 2% for 2026-2027.
• Suravenir PER A pension savings plan (PER) offered through the Suravenir insurer (Crédit Mutuel Arkéa group), accessible via the Lucya platform for individual French retirement savers.
• Lucya CNP Capitalisation (Lucya CNP Capi) A capitalization contract (contrat de capitalisation) launched in partnership with CNP Assurances, designed for wealth optimization and transmission, allowing donors to transmit with maintained fiscal seniority.
• Lucya Cardif Capitalisation A capitalization contract offered in partnership with Cardif (BNP Paribas), complementary to life insurance and optimized for wealth donation and transmission during the subscriber's lifetime.
• Puissance Avenir A life insurance product (assurance vie) offered through the Lucya platform with Suravenir, with a capitalization version also available (Puissance Avenir Capitalisation).
• Gestion Déléguée (Delegated Management) A discretionary portfolio management service available across multiple Lucya contracts (Lucya Cardif, Lucya Cardif PER), with three investment profiles (Moderate, Balanced, Dynamic). Managed by partner asset management firms on advice from Lucya, invested 100% in unit-of-account supports. Additional annual management fee of 0.25% applies.
• Referral Program (Parrainage) A client referral program offering €100 to the referrer and €50 to the referred client upon subscription of a life insurance, capitalization, or individual PER contract. Validated after the 30-day legal withdrawal period, paid within 60 days. Limited to 10 referrals per year per referrer.

Quantifiable outcome

• €6 billion in assets under advisory (encours conseillés)
• +5 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core, secondary and minor.

• CNP AssurancescoreChannel Partner/ Reseller/ Distributor · 2 April 2026Partnership to launch Lucya CNP, a fully online life insurance policy available exclusively through Lucya.com since April 2, 2026. The product starts at €500 with no entry fees and offers access to unit-linked investments, ETFs, real estate, private equity, nearly 600 stocks, and a euro-denominated fund backed by CNP Assurances' general assets. The partnership supports CNP Assurances' 'Lead for Impact' strategic plan to diversify distribution channels while expanding Lucya's position in online savings and life insurance in France.
• AXA France ViecoreChannel Partner/ Reseller/ DistributorExclusive partnership to offer Lucya by AXA and Lucya by AXA 1 (formerly Carrefour Horizons, Carrefour Avenir, Carrefour Perspectives DSK) life insurance contracts. AXA provides the insurance product (Fonds Général, fund Croissance, unit account supports), while Lucya provides the digital distribution platform and advisory services. The Lucya by AXA contract offers 0% entry fees, free unlimited arbitrages, and 850+ unit account supports.
• Cardif (BNP Paribas)coreChannel Partner/ Reseller/ DistributorExclusive partnership for Lucya Cardif (life insurance) and Lucya Cardif PER (pension savings) contracts underwritten by Cardif Assurance Vie and Cardif Retraite respectively. Cardif provides the insurance products including a robust euro fund (2.75% net yield in 2025), access to 2,300+ unit account supports, and delegated management options.
• Abeille Vie / Abeille Retraite ProfessionnellecoreChannel Partner/ Reseller/ DistributorPartnership for Lucya Abeille (life insurance) and Lucya Abeille PER (pension) contracts. Abeille Vie and Abeille Retraite Professionnelle (under the Aegon/Qualium group) provide the insurance products including the Abeille Actif Garanti euro fund (2.51% net yield in 2025 for life insurance, 2.96% for PER) and over 250 unit account supports.
• SuravenirsecondaryChannel Partner/ Reseller/ DistributorPartnership for Suravenir PER (pension savings plan) and Puissance Avenir Capitalisation contracts. Suravenir (part of the Crédit Mutuel Arkéa group) provides the insurance products offered under the Lucya brand.
• Carrefour Banque / Carrefour FrancecoreStrategic or Co-development PartnerAcquisition of the life insurance portfolio (Carrefour Horizons, Carrefour Avenir, Carrefour Perspectives DSK) from Carrefour Banque, with Carrefour France continuing to represent the interests of policyholders. This acquisition brought approximately 170,000 clients and ~€6 billion in assets under management into the Lucya platform. The migrated contracts are now branded as 'Lucya by AXA 1.'
• OVHminorOthersOVH SAS (Société par actions simplifiée, capital €50,000,000, RCS Lille 424 761 419) is the web hosting provider for the lucya.com website. Located at 2 rue Kellermann, 59100 Roubaix, France.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Nalo: French robo-advisor offering automated, goals-based investment portfolios (PEA, assurance-vie). Comparable to Lucya's Gestion Déléguée on the managed-investment angle, but younger and lacking Lucya's multi-insurer distribution scale.
• LeLynx: French insurance comparator/broker (part of Covéa) helping consumers compare life, home, auto, and health insurance from multiple carriers. Partial overlap with Lucya on the online insurance brokerage front, but with a comparison-led model.
• Yomoni: French robo-advisor on assurance-vie and PEA, focused on automated ETF-based portfolio management. Adjacent to Lucya's delegated management proposition but with a more narrowly automated product.

Direct peers

• Linxea: Independent French online life insurance and savings broker (Spirit, Spirit 2, Zen contracts underwritten by multiple insurers including Cardif, Generali, and SwissLife). Closely comparable to Lucya in model, product set, and target segment.
• Meilleurtaux Placement: Online savings and life insurance comparison/brokerage arm of Meilleurtaux Group, distributing competing assurance-vie and PER contracts from major insurers (Cardif, Generali). Directly comparable to Lucya in target customer and product mix.
• Placement Direct: Long-standing French online life insurance broker (Placement Direct Vie, Placement Direct PER underwritten by Generali and AXA). Directly comparable to Lucya on multi-insurer digital distribution for individual savers.
• Sicav Online: French online broker and savings platform (part of La Banque Postale group historically) offering life insurance (Banque Postale, CNP) and investment products. Comparable to Lucya on digital self-serve savings distribution.
• WeSave: French online savings broker owned by Primonial, distributing life insurance contracts from multiple insurers (e.g., Boursorama, Cardif) through a digital platform — same multi-carrier digital broker model as Lucya.

Broad incumbents

• Boursorama Banque: France's largest online bank, distributing life insurance (Boursorama Vie, primarily through Generali) as part of a much broader retail banking and brokerage offering. Competitor on the online savings user, but with materially broader scope.
• Fortuneo Banque: Online bank subsidiary of Crédit Mutuel Arkéa, distributing its own assurance-vie and PER (Fortuneo Vie, Fortuneo PER) alongside a full banking product suite. Comparable on online life insurance distribution but with broader incumbent banking scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/jdhm-vie
• Instagraminstagram.com/assuranceviecom

Compliance2 records

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 Lucya Group