SELENCIA Patrimoine
SELENCIA Patrimoine is a private French financial services firm founded in 2015 that distributes life insurance, capitalization, and retirement (PER) products exclusively through a network of independent wealth management advisors (CGPIs) serving individual and corporate end-clients in France.
- Company typePrivate
- Founded2015
- HeadquartersCourbevoie, France
- Headcount11–50
- GTM typeB2B
- OfferingServices
What SELENCIA Patrimoine does
SELENCIA Patrimoine is a French private wealth-management product distributor founded in 2015 and headquartered in Courbevoie, France. The company sells life insurance (Assurance Vie), capitalization, and personal retirement savings (PER) products exclusively through a B2B2C model targeting CGPI (Independent Wealth Management Advisors), who act as intermediaries to reach individual and corporate end-clients. Its product portfolio comprises four main offerings — Privilège Gestion Active, Privilège Gestion Active Capitalisation (for individuals and legal entities), PER Zen, and myPGA — each with tiered boosted euro-fund rates ranging from +1.40% to +1.80% net depending on investment size and channel.
The underlying technology is a digital distribution platform comprising a partner extranet (Espace Partenaire) and client portal (Espace Client), both recently migrated to newer modern environments. Partners must sign a distribution convention (convention de distribution) to access the platform, which supports dematerialized subscription workflows, online contract management, and promotional offer administration. The company also maintains a social presence on LinkedIn, Twitter/X, and YouTube and runs commercial support staffed Monday through Friday, 9h-17h30, via phone (01 73 60 53 17) and email ([email protected]).
Revenue is generated through recurring insurance premiums on life insurance, capitalization, and PER contracts, plus management fees on euro funds and units of account (UC). The model is subscription-style and recurring by nature given long-duration insurance contracts. Customer segmentation spans individual investors (primary), corporate legal entities (Pessoa Morale), and special categories including vulnerable persons and minors with paper-based handling. All operations are confined to France, and the firm operates with a small team of 11-50 employees with no disclosed parent company, subsidiaries, or external funding rounds.
SELENCIA Patrimoine firmographics
Firmographics- Name
- SELENCIA Patrimoine
- Legal name
- SELENCIA Patrimoine
- Website
- https://selencia-patrimoine.fr
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SELENCIA Patrimoine is a private French financial services firm founded in 2015 that distributes life insurance, capitalization, and retirement (PER) products exclusively through a network of independent wealth management advisors (CGPIs) serving individual and corporate end-clients in France.
- Ownership category
- akta.pro rank
SELENCIA Patrimoine industry classification
Industry- Product category
- Wealth Management
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Life Insurance (6311), Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)
- akta.pro secondary industries
- Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM), Retirement & Pension Wealth (401(k)/IRA/SIPP/Superannuation Retail) (FSAAAAAJ), Managed Platforms & Wrap Programs for Private Clients (Model Portfolios, UMA/SMAs) (FSAAABAM), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH)
Keywords
Where SELENCIA Patrimoine is headquartered
LocationHeadquarters
- HQ city
- Courbevoie
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
SELENCIA Patrimoine business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premiums and Management Fees: SELENCIA Patrimoine generates revenue through insurance premiums collected on life insurance (Assurance Vie), capitalization, and retirement (PER) products. The company earns management fees on funds under management including euro funds and units of account (UC). Revenue is recurring in nature as clients maintain long-term insurance contracts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Privilège Gestion Active, Privilège Gestion Active Capitalisation, PER Zen - Standard digital offer |
| Subscription | Annual | myPGA contract - Boosted rate |
| Subscription | Annual | Premium tier - High net worth (350k€+) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels6 records
SELENCIA Patrimoine product offering
Product offeringCore offering
SELENCIA Patrimoine designs and distributes life insurance (Assurance Vie), capitalisation, and personal retirement savings (PER) products in France, marketed under the Privilège Gestion Active, Privilège Gestion Active Capitalisation, PER Zen, and myPGA brands. Products combine euro funds with boosted promotional rates and units of account (UC), and are sold exclusively through a network of CGPI (Independent Wealth Management Advisors) partners who access the Espace Partenaire portal for commercial support, documentation, and dematerialized subscription. End clients are managed through the Espace Client portal, with the company earning recurring management fees and insurance premiums on long-duration contracts.
Product overview
SELENCIA Patrimoine offers a suite of insurance, capitalisation, and retirement savings products designed for independent financial advisors (CGP/CGPI). The product portfolio consists of four main offerings: Privilège Gestion Active (life insurance/wealth management), Privilège Gestion Active Capitalisation (capitalisation contracts for individuals and legal entities), PER Zen (personal retirement savings plan), and myPGA (insurance contract with flexible investment options). All products feature promotional boosted interest rates for new subscriptions and free contributions made dematerialized between October 2025 and September 2026.
Differentiator
Problem solved
Functional benefit
Brands
- myPGA: Insurance product offering with boosted rate of 1.50% net on exercises 2026 and 2027 under conditions
- PER Zen
- Privilège Gestion Active
- Privilège Gestion Active Capitalisation
- Espace Partenaire
- Espace Client
Products and services
- Privilège Gestion Active (Life Insurance Contract) Life insurance and wealth management contract offering boosted interest rates up to +1.80% net on exercises 2026 and 2027, requiring a minimum 30% investment in units of account (UC) and a minimum contribution of 350,000 EUR. Designed for French individual investors accessing the product through a CGPI advisor, with free deposits and dematerialized subscription during the promotional period. Special paper-based handling applies for vulnerable persons and minors (100% euro fund, max 350k€).
- Privilège Gestion Active Capitalisation Capitalisation contract for individuals (Personne Physique) and legal entities (Personne Morale) offering boosted rates up to +1.80% net, with UC investment requirements ranging from 30% (individuals) to 40% (legal entities). For corporate clients, the euro fund is capped at 1M€, and dematerialized subscription is required. Distribution is exclusively through CGPI advisors.
- PER Zen (Personal Retirement Savings Plan) Personal Retirement Savings Plan (Plan d'Épargne Retraite) offering boosted rates up to +1.80% net with a minimum 30% investment in units of account and a minimum contribution of 350,000 EUR. Targeted at French individual investors preparing for retirement through their CGPI advisor, with dematerialized subscription and free deposits during the promotional window.
- myPGA (Flexible Insurance Contract) Insurance contract offering boosted interest rates up to +1.50% net on exercises 2026 and 2027, with flexible UC investment constraints (30%, 50%, or 70% minimum depending on the selected option). The Euro perspective fund is not eligible. Designed for French individual investors who want adjustable risk exposure through their CGPI advisor.
Companies that use SELENCIA Patrimoine
Customer profileSegments4 records
Ideal customer profiles5 records
SELENCIA Patrimoine technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
SELENCIA Patrimoine partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CGPI (Conseillers en Gestion de Patrimoine Indépendants)coreCGPI (Independent Wealth Management Advisors) are the core distribution partners for SELENCIA Patrimoine. These advisors distribute insurance, capitalization, and retirement products to their client base. Partners must sign a distribution convention (convention de distribution) and access the partner portal for account management and promotional offers.
Scale indicators1 record
Recent moves5 records
Expansion highlights4 records
SELENCIA Patrimoine competitors and assessment
Company assessmentEmerging players
- Nalo: Digital life-insurance wrapper with automated portfolio management, distributed online and via partner advisors in France. Comparable on Assurance Vie product and advisor distribution, but more tech-led.
- Goodvest: Digital wealth wrapper offering Assurance Vie and PER contracts focused on sustainable investing, sold online and through partner advisors. Compares to SELENCIA on product type but differentiates on the ESG/impact angle.
Broad incumbents
- Boursorama Banque: Large French online bank with broad Assurance Vie, PER and securities offerings serving both self-directed and advisor-assisted clients. Comparable on product set, but at materially greater scale and as a direct-to-consumer plus partner channel incumbent.
Direct peers
- UAF Life Patrimoine: Life-insurance wrapper provider historically focused on Independent Wealth Advisors (CGPIs) in France, offering Assurance Vie and capitalization contracts with multi-distributor fund menus — directly comparable to SELENCIA's CGPI-channel model.
- SwissLife Assurance et Patrimoine: Life-insurance and patrimonial solutions provider with established advisor distribution in France, including Assurance Vie and PER products. Direct competitor for SELENCIA's partner shelf space.
- La Française (formerly Primonial): Asset and wealth manager with strong CGPI distribution in France, offering Assurance Vie, PER and capitalization solutions. Comparable to SELENCIA on multi-wrapper offering for independent advisors.
- Suravenir (Crédit Mutuel Arkéa): Life-insurance and capitalization provider serving partner advisors and online channels in France. Directly comparable to SELENCIA on product type and advisor-led distribution.
- Nortia: CGPI platform and product aggregator providing independent wealth advisors with multi-insurer selection and contracting tools. Directly comparable on the advisor-channel side of SELENCIA's B2B2C model.
- Generali Wealth Solutions France: Insurer-owned wealth-management arm in France distributing Assurance Vie and PER products through partner advisors. Comparable on product mix and CGPI distribution strategy.
- Spirica: Life-insurance company dedicated to wealth-advisor and online distribution channels in France, offering unit-linked and euro-fund contracts. Same CGPI-aligned wrapper business as SELENCIA.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
SELENCIA Patrimoine social profiles
Digital presenceSELENCIA Patrimoine financial estimates
Financial estimateRevenue estimate
Valuation estimate
SELENCIA Patrimoine leadership team
Management profileNumber of profiles
Profiles1 record
SELENCIA Patrimoine funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SELENCIA Patrimoine 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 SELENCIA Patrimoine
What does SELENCIA Patrimoine do?
SELENCIA Patrimoine designs and distributes life insurance (Assurance Vie), capitalisation, and personal retirement savings (PER) products in France, marketed under the Privilège Gestion Active, Privilège Gestion Active Capitalisation, PER Zen, and myPGA brands. Products combine euro funds with boosted promotional rates and units of account (UC), and are sold exclusively through a network of CGPI (Independent Wealth Management Advisors) partners who access the Espace Partenaire portal for commercial support, documentation, and dematerialized subscription. End clients are managed through the Espace Client portal, with the company earning recurring management fees and insurance premiums on long-duration contracts.
Is SELENCIA Patrimoine a public or private company?
SELENCIA Patrimoine is a private company. It is classified as unknown and is currently operating.
When was SELENCIA Patrimoine founded?
SELENCIA Patrimoine was founded in 2015. It employs 11 to 50 people.
Where is SELENCIA Patrimoine based?
SELENCIA Patrimoine is headquartered in Courbevoie, France, in the Europe region.
How does SELENCIA Patrimoine make money?
One revenue line is on record: insurance Premiums and Management Fees.
Who are SELENCIA Patrimoine's main competitors?
Emerging players on record are Nalo and Goodvest. Boursorama Banque is listed as a broad incumbent. Direct peers are UAF Life Patrimoine, SwissLife Assurance et Patrimoine, La Française (formerly Primonial), Suravenir (Crédit Mutuel Arkéa), Nortia, Generali Wealth Solutions France and Spirica.
Does SELENCIA Patrimoine have an API?
No public API is recorded for SELENCIA Patrimoine.
What industry is SELENCIA Patrimoine in?
SELENCIA Patrimoine's product category is Wealth Management. Its primary akta.pro industry code is FSAAAAAL, Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.), with a secondary code of FSAAAAAM, Annuities & Investment-Linked Insurance Solutions (Retail). Its NAICS code is 5242 and its SIC code is 6311.