SELENCIA Patrimoine

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.

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

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

• Wealth management services
• Life insurance distribution
• Retirement savings planning
• Capitalisation contracts
• Independent advisor platform

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core 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.

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• CGPI (Conseillers en Gestion de Patrimoine Indépendants)coreChannel Partner/ Reseller/ DistributorCGPI (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

Emerging 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

• Xx.com/SelenciaPat
• YouTubeyoutube.com/channel/UCi8p60Wc_lykf9pFC75hHSg
• LinkedInlinkedin.com/company/selencia-patrimoine

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 SELENCIA Patrimoine