UNEP (Union Nationale d'Epargne et de Prévoyance)

What UNEP (Union Nationale d'Epargne et de Prévoyance) does

UNEP (Union Nationale d'Epargne et de Prévoyance), operating commercially as UNEP Partenaires and previously known as UNEP Diffusion Courtage, is a French association d'épargnants (non-profit association of savers) founded in 2000 and headquartered at 12 rue Clapeyron, 75008 Paris. The organization functions as a B2B financial product distribution intermediary, providing independent wealth management advisors (CGPI — Conseillers en Gestion de Patrimoine Indépendants) with access to savings, retirement, and real estate products sourced from a network of 150+ partner asset management companies and 700+ referenced funds, including 15 SCPI and 3 SCI vehicles. UNEP is referenced as part of Groupe Alptis, and serves 900+ CGPI partners distributed across six French regional territories (Grand-Ouest, Nord/Centre/Paris, Paris/IDF/Grand-Est, Rhône-Alpes, Sud-Est, Sud-Ouest), each backed by named regional partner managers and Middle Office support staff.

The product suite is organized around three pillars: Épargne (savings — assurance-vie, capitalization contracts, gestion sous mandat, structured funds, and private equity vehicles), Retraite (retirement — the flagship PER, individual and collective retirement plans, and employee savings), and Immobilier (real estate — SCPI, SCI, and OPCI exposures in France and Luxembourg). The platform does not maintain a consumer mobile application, public API, or proprietary technology stack beyond its distribution and partner-onboarding infrastructure; instead, its core capability is curation, contracting, and ongoing servicing of partner advisors via regional teams, a dedicated Espace Partenaires portal, and a content/media layer branded Studio TV by UNEP that delivers webinars, fund manager interviews, and economic commentary.

Commercially, UNEP operates on a subscription/recurring revenue basis typical of a member-based association, with monetization driven by distribution relationships with insurance providers and asset management partners rather than direct fees to end-clients. The organization does not disclose revenue, headcount, or ownership structure publicly, and pricing for member advisors and product providers is not listed on its public-facing channels. Strategic emphasis in 2026 is on content-driven advisor engagement (Studio TV, L'instant éco webinars, monthly real estate newsletters) and breadth of product shelf (structured funds, private equity), while geographic operations remain France-centric with a limited Luxembourg real estate extension.

Name

UNEP (Union Nationale d'Epargne et de Prévoyance)

Legal name

UNION NATIONALE D'EPARGNE & DE PRÉVOYANCE

Website

https://unep.asso.fr

Company type

Private

Founded year

2000

Operating status

Operating

Short description

UNEP Partenaires is a French association d'épargnants founded in 2000 that distributes savings, retirement, and real estate products to 900+ independent wealth management advisors (CGPI) via 150+ asset management partners and 700+ referenced funds, operating as part of Groupe Alptis.

Ownership category

akta.pro rank

Product category

Wealth Management Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Managed Accounts & Model Portfolios (SMA/UMA) (FSAAAAAG), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Wealth management services
• Savings and retirement solutions
• Life insurance distribution
• Real estate investments
• Advisor partner network

Headquarters

HQ city

Paris

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, Infrastructure

Revenue model

1. Financial Product Distribution: UNEP generates revenue by providing distribution services to financial product providers (insurance companies, asset management firms) and offering access to a network of 900+ independent wealth management advisors (CGPI). The association model allows member savers to access a complete range of wealth management products and services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

UNEP operates as a French association of savers (association d'épargnants) that distributes a comprehensive range of savings, retirement, and real estate investment products through a network of more than 900 independent wealth management advisors (CGPI). Its product suite spans assurance-vie, capitalization contracts, discretionary management, the PER personal retirement plan, individual and collective retirement solutions, employee savings, and real estate vehicles (SCPI, SCI, OPCI), sourced from 150+ partner asset managers and 700+ referenced funds.

Product overview

UNEP operates as a unified association offering a comprehensive portfolio of savings and retirement products and services through its platform for independent wealth management advisors (CGPI). The product suite centers on three main pillars: Epargne (savings including assurance-vie, capitalisation, discretionary management, and financial supports), Retraite (retirement solutions including the flagship PER, individual and collective retirement plans, and employee savings), and Immobilier (real estate investments via SCPI, SCI, and OPCI). Additional support services include Studio TV for educational content. The platform serves over 900 independent wealth management advisors with access to more than 150 partner asset management companies and 700 referenced funds including 15 SCPI and 3 SCI products.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance-vie
• Capitalisation
• Gestion sous mandat
• Supports financiers
• PER (Plan d'Épargne Retraite)
• Retraite Individuelle
• Retraite Collective
• Epargne Salariale
• Immobilier (SCPI, SCI, OPCI)

Quantifiable outcome

• 20+ years of market presence in French wealth management sector
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Vitis LIFEminorStrategic or Co-development Partner · 27 April 2026Vitis LIFE video interview featured on UNEP's Studio TV platform, demonstrating strategic content collaboration with insurance/wealth management solutions provider.
• Asset Management Companies (150+ Partner Sociétés de Gestion)coreChannel Partner/ Reseller/ DistributorUNEP maintains partnerships with over 150 asset management companies (sociétés de gestion) providing access to more than 700 referenced investment funds including 15 SCPI and 3 SCI. These partnerships enable UNEP to offer a comprehensive range of financial products to its network of 900+ independent wealth management advisors.
• Insurance Providers (Assureurs)coreChannel Partner/ Reseller/ DistributorUNEP provides access to life insurance (assurance-vie) and capitalization products through partner insurance companies. The company operates an insurers access portal (Espace Partenaires) for product distribution.
• Janus Henderson InvestorsminorStrategic or Co-development PartnerJanus Henderson Investors provides investment content featured on UNEP's platform, including considerations for investment amid geopolitical uncertainty around Iran.

Scale indicators4 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Spirica: French life insurance distributor focused on unit-linked and euro-funded contracts sold through independent wealth advisors; directly comparable distribution model and product set.
• Optimind: French group specialized in advisory and wealth management services for independent advisors and corporate clients, with similar distribution and product-aggregation orientation.
• Primonial: Major French wealth management platform offering savings, retirement, and real estate products distributed through advisor networks. Operates a comparable B2B model serving independent wealth advisors in France.

Others

• Alptis Groupe: Parent ecosystem referenced on UNEP's site; provides complementary health, welfare, and provident solutions that overlap with UNEP's broader financial protection positioning.

Emerging players

• Yomoni: French robo-advisor offering managed assurance-vie portfolios directly to clients; represents the digital disintermediation trend pressuring traditional CGPI distribution models.
• Nalo: French digital wealth manager offering automated life insurance and savings portfolios; competes for end-client flows that historically route through CGPI advisors partnered with UNEP.
• Linxo: French personal finance and wealthtech platform with aggregation and savings capabilities that touch the same end-client flows UNEP serves through its advisor network.

Broad incumbents

• Generali Patrimoine: Large French life insurance and wealth franchise targeting CGPI and patrimonial clients; broader product range than UNEP but reaches many of the same end-customers through advisors.
• SwissLife Banque et Patrimoine: Established French insurer and wealth manager with broad assurance-vie, retirement, and asset management offerings sold via financial advisors; competes with UNEP partners across overlapping product lines.
• AXA Wealth Management France: Incumbent insurer with strong assurance-vie and retirement offerings distributed through tied and independent advisors, representing an alternative distribution channel that competes with UNEP's partners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCX0L4KdIhRo高效

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

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 UNEP (Union Nationale d'Epargne et de Prévoyance)