La Securite Familiale
La Sécurité Familiale is a Paris-based mutual life insurance company founded in 1909 offering the euro-denominated SF Euro Sécurité savings contract and borrower insurance for SOFIAP mortgages. It manages €334 million in assets across 1,899 policyholders via a no-intermediary, member-referral distribution model.
- Company typePrivate
- Founded1909
- HeadquartersParis, France
- Headcount1–10
- GTM typeB2C
- OfferingServices
What La Securite Familiale does
La Sécurité Familiale is a Paris-based mutual life insurance company (société d'assurance mutuelle sur la vie) founded in 1909 by senior civil servants from the French finance ministry. It operates under the French Insurance Code, supervised by the ACPR and as a member of France Assureurs, and is governed by a 12-member Board composed entirely of Sociétaires (member-policyholders). The company has no external shareholders and is owned and governed by its membership base, which elects 50 Delegates to its General Assembly.
The firm offers two core insurance products. SF Euro Sécurité is a euro-denominated life insurance (assurance vie) contract with guaranteed capital, marketed directly with 0% entry fees since June 4, 2024 and 0.30% annual management fees, requiring a minimum €1,500 initial contribution. The second product, Assurance Emprunteur, is a group borrower insurance contract delivered through a partnership with SOFIAP, covering death, total and irreversible loss of autonomy, temporary total incapacity, and permanent disability for employer-subsidized mortgage loans, including AERAS-convention coverage. As of December 31, 2025 the company reported €334 million in investment assets at market value, €236 million in mathematical provisions, €82 million in latent capital gains plus equity, ~€10 million in profit-sharing provisions (approximately 4.2% of AUM), 1,899 individual savings contracts, and a 304% regulatory solvency coverage ratio, with over 30% of the investment portfolio allocated to equities.
The business model is a direct-to-consumer mutual with no intermediaries, agents, or brokers; customer acquisition is driven by word-of-mouth referrals from existing Sociétaires. Underwriting and investment income are recycled to members through competitive gross interest rates, with surplus allocated via the profit-sharing provision rather than returned to shareholders. The company employs 1-10 staff and operates from a single headquarters at 4 Rue de Clichy, Paris, distributing exclusively in the French domestic market.
La Securite Familiale firmographics
Firmographics- Name
- La Securite Familiale
- Legal name
- La Sécurité Familiale
- Website
- https://lasecuritefamiliale.com
- Company type
- Private
- Founded year
- 1909
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- La Sécurité Familiale is a Paris-based mutual life insurance company founded in 1909 offering the euro-denominated SF Euro Sécurité savings contract and borrower insurance for SOFIAP mortgages. It manages €334 million in assets across 1,899 policyholders via a no-intermediary, member-referral distribution model.
- Ownership category
- akta.pro rank
La Securite Familiale industry classification
Industry- Product category
- Mutual Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Portfolio Management and Investment Advice (523940)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Variable Universal Life (VUL) Insurance (FSAIABAD)
- akta.pro secondary industry
- Group Universal Life (GUL) (FSAIADAC)
Keywords
Where La Securite Familiale is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
La Securite Familiale business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Life Insurance Premiums (Assurance Vie): La Sécurité Familiale generates revenue through premiums paid by policyholders on their SF Euro Sécurité life insurance contracts. As a mutual society, surplus revenues are distributed back to policyholders through competitive interest rates rather than retained as profit for shareholders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | SF Euro Sécurité life insurance contract with guaranteed capital |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
La Securite Familiale product offering
Product offeringCore offering
La Sécurité Familiale is a mutual life insurance company that sells the SF Euro Sécurité euro-denominated life insurance contract with guaranteed capital, enabling individual savings accumulation and wealth transfer. The company also offers a group borrower insurance contract covering mortgage loans granted by SOFIAP. Distribution is direct-to-consumer with no intermediaries.
Product overview
La Sécurité Familiale operates as a mutual life insurance company offering two core insurance products: SF Euro Sécurité, a euro-denominated life insurance contract with guaranteed capital that enables savings accumulation and wealth transmission, and Assurance Emprunteur, a group borrower insurance contract protecting mortgage loans. The company distributes these products directly without intermediaries, maintaining low fee structures (0% contribution fees and 0.30% management fees on the life insurance product).
Differentiator
Problem solved
Functional benefit
Brands
- SF Euro Sécurité: The main euro-denominated life insurance contract offered by La Sécurité Familiale, providing guaranteed capital and competitive returns.
Products and services
- SF Euro Sécurité
Quantifiable outcome
- 304% regulatory solvency coverage rate, significantly above the minimum requirement
- +1 more outcomes
Companies that use La Securite Familiale
Customer profileNamed customers1 record
Segments1 record
Ideal customer profiles2 records
La Securite Familiale technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
La Securite Familiale partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SOFIAPcoreSOFIAP is a specialist in employer-subsidized mortgage loans. La Sécurité Familiale provides group borrower insurance (contrat collectif d'assurance emprunteur) that guarantees loans granted by SOFIAP. The insurance covers death (décès), total permanent disability (Perte Totale et Irréversible d'Autonomie), and temporary incapacity (Incapacité Temporaire Totale) or total permanent disability, including coverage under the AERAS convention for persons with aggravated health risks.
Scale indicators8 records
Recent moves5 records
Expansion highlights3 records
La Securite Familiale competitors and assessment
Company assessmentBroad incumbents
- AXA France: Major French life and savings insurer with broad multi-channel distribution. Comparable euro-fund assurance vie products but competing at much greater scale and through agents and banks.
- CNP Assurances: Leading French life insurer with deep presence in euro-denominated savings and assurance vie. Comparable core product but operates at vastly larger scale through banking and partner distribution.
- Crédit Agricole Assurances: Insurance arm of Crédit Agricole, distributing life insurance and savings products through the bank's network. Comparable euro-fund products but with a much larger bancassurance footprint.
- AG2R La Mondiale: Large French mutual insurance group offering life insurance, savings, retirement, and protection products. Comparable mutual philosophy but with significantly broader scale, multi-channel distribution, and product diversification.
Direct peers
- CARAC: French mutual insurer historically serving civil servants and public-sector employees with savings, retirement, and life insurance products. Closely comparable member base, mutual structure, and euro-fund product mix.
- La Mutuelle Générale: French mutual health and life insurer offering savings and protection products to individuals. Comparable mutual form, individual customer base, and direct advisory service model.
- Prévoir: French mutual insurer focused on individual life insurance and savings products. Comparable mutual governance, individual policyholder focus, and savings-led offering.
- Suravenir: Euro-fund life insurance specialist associated with Crédit Mutuel Arkéa, known for competitive rates and digital distribution. Comparable euro-fund product focus and pricing-led positioning.
- MACSF: Mutual insurer for healthcare professionals offering life insurance, savings, and borrower insurance. Comparable mutual structure, professional-affinity member base, and direct-to-member distribution approach.
Regional players
- Harmonie Mutuelle: French mutual health and protection insurer with selective savings offerings. Comparable mutual philosophy and direct member engagement, primarily a health specialist that overlaps in savings products.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
La Securite Familiale social profiles
Digital presenceLa Securite Familiale financial estimates
Financial estimateRevenue estimate
Valuation estimate
La Securite Familiale leadership team
Management profileNumber of profiles
Profiles3 records
La Securite Familiale funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
La Securite Familiale 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 La Securite Familiale
What does La Securite Familiale do?
La Sécurité Familiale is a mutual life insurance company that sells the SF Euro Sécurité euro-denominated life insurance contract with guaranteed capital, enabling individual savings accumulation and wealth transfer. The company also offers a group borrower insurance contract covering mortgage loans granted by SOFIAP. Distribution is direct-to-consumer with no intermediaries.
Is La Securite Familiale a public or private company?
La Securite Familiale is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was La Securite Familiale founded?
La Securite Familiale was founded in 1909. It employs 1 to 10 people.
Where is La Securite Familiale based?
La Securite Familiale is headquartered in Paris, France, in the Europe region.
How does La Securite Familiale make money?
One revenue line is on record: life Insurance Premiums (Assurance Vie).
Who are La Securite Familiale's main competitors?
Broad incumbents on record are AXA France, CNP Assurances, Crédit Agricole Assurances and AG2R La Mondiale. Direct peers are CARAC, La Mutuelle Générale, Prévoir, Suravenir and MACSF. Harmonie Mutuelle is listed as a regional player.
Does La Securite Familiale have an API?
No public API is recorded for La Securite Familiale.
What industry is La Securite Familiale in?
La Securite Familiale's product category is Mutual Life Insurance. Its primary akta.pro industry code is FSAIABAD, Variable Universal Life (VUL) Insurance, with a secondary code of FSAIADAC, Group Universal Life (GUL). Its NAICS code is 524113 and its SIC code is 6311.