Cardif

What Cardif does

Cardif is the insurance brand and subsidiary of BNP Paribas Group, operating in France through three legal entities: Cardif Assurance Vie (life and savings), Cardif Retraite (retirement, operating as a FRPS since 2022), and Cardif-Assurances Risques Divers (P&C and provident). Founded in 1983 (with roots in Paribas' insurance operations from 1973), Cardif generated €22.3 billion in revenue in 2025 and manages €203.2 billion in assets, employing nearly 3,000 people. The product portfolio spans three pillars — Protection (Cardif Libertés borrower insurance, home insurance, individual and business provident, and the Cardif Libertés Pro offer for self-employed professionals), Savings (Cardif Elite and Triptis patrimonial life insurance and capitalization contracts with 2,000+ fund supports and 17 delegated management mandates), and Retirement (Cardif Elite Retraite PER with 1,200 funds and four management modes). Sub-brands include Cardif Elite, Cardif Libertés Emprunteur, Cardif Libertés Garantie, Cardif Libertés Pro, Triptis, and Cardif Elite Retraite.

The technology stack is a digital insurance platform with API-driven integrations, online subscription capabilities, and the Finagora partner extranet for CGP and broker partners. Operational tools include C-Pulse for secure document upload and operation tracking, and API acceleration modules enabling policy issuance; 81% of borrower insurance applications received immediate online decisions in 2025. The pricing model is recurring insurance premiums across all product lines, with entry points as low as €4/month for tenant home insurance and from €1,500 for the PER. Customer outcomes are tracked via an 8.8/10 partner satisfaction score for borrower insurance and 8.2/10 for savings/retirement (2026 barometer).

The go-to-market model is a multi-channel hybrid: distribution through the BNP Paribas branch network, a dedicated 190-person entity serving 2,500+ CGP partners and courtiers across France, private wealth managers (Triptis), and direct digital sales via cardif.fr. Partnerships with Figo (pet insurance) and Lemonade (tenant home insurance) extend reach into affinity and digital-native segments. Customer segments include individual borrowers, homeowners and renters, CGP advisors, insurance brokers, high-net-worth individuals, asset management companies, and self-employed professionals (TNS).

Name

Cardif

Legal name

CARDIF Assurance Vie, S.A.

Website

https://cardif.fr

Company type

Private

Founded year

1983

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Cardif is the insurance arm of BNP Paribas, offering borrower, home, provident, savings, and retirement products to individual and professional clients across France through bank branches, 2,500+ wealth management partners, brokers, and direct digital channels.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers (5241)

SIC

Life Insurance (6311), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Billing, Payments & Premium Finance Platforms (FSAGAGAI)

Keywords

• Insurance products
• Borrower insurance
• Life insurance
• Retirement savings
• Wealth management

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums - Borrower insurance: Recurring insurance premiums from loan/mortgage borrower insurance products protecting monthly payments in case of death, disability, or inability to work
2. Insurance premiums - Home insurance: Property insurance premiums for renters and homeowners covering water damage, fire, theft, and civil liability
3. Insurance premiums - Provident/Prévoyance: Individual and business protection insurance covering death, work stoppage, disability, and critical illness
4. Savings and investment products: Life insurance (assurance vie), capitalization contracts, and retirement savings products with management fees on invested assets
5. Retirement products: Pension and retirement savings plans (PER) with management fees and potential annuity income

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels10 records

Core offering

Cardif sells insurance and savings products to individuals, self-employed professionals, and partner distributors. Its portfolio spans borrower insurance (Cardif Libertés Emprunteur), home insurance, individual and business provident insurance (Cardif Libertés Garantie and Pro), patrimonial life insurance and capitalization (Cardif Elite, Triptis), and individual retirement savings plans (Cardif Elite Retraite). Products are delivered via the BNP Paribas bank network, a 2,500+ partner network of wealth management advisors and insurance brokers, and direct digital subscription on cardif.fr.

Product overview

Cardif, the insurance brand of BNP Paribas, operates as a multi-product insurance provider organized across three main pillars: Protection (borrower insurance, home insurance, and individual/business provident insurance), Savings (life insurance and capitalization through Cardif Elite and Triptis ranges), and Retirement (PER individual contracts). The Cardif Libertés range (Emprunteur for borrowers, Garantie Couverture Personnelle/Entreprise for provident coverage, and Pro for professionals) provides modular protection solutions, while Cardif Elite and Triptis offer multi-management wealth management products with access to over 2,000 investment supports across euro funds and unit-linked investments. These products are distributed primarily through BNP Paribas banking networks, independent wealth management advisors (CGP), and insurance brokers.

Differentiator

Problem solved

Functional benefit

Brands

• Cardif Elite: Patrimonial life insurance and capitalisation contract with multiple management modes (free, delegated, mandate-based), offering over 2,000 investment supports and 200+ ISR-labeled funds.
• Cardif Libertés Emprunteur
• Cardif Libertés Garantie
• Triptis
• Cardif Elite Retraite
• Cardif Libertés Pro

Products and services

• Cardif Libertés Emprunteur Borrower insurance that secures real estate projects by guaranteeing remaining monthly loan payments in case of death, total permanent disability, temporary incapacity, or permanent invalidity for individual mortgage and consumer loan borrowers.
• Assurance Habitation Cardif Home insurance for tenants and owners covering water damage, fire, theft, and civil liability, with subscription from €4/month for tenants.
• Cardif Libertés Garantie Couverture Personnelle Modular individual provident insurance covering death, total permanent disability, temporary total disability, and invalidity to protect standard of living and loved ones in case of work stoppage, disability, or death.
• Cardif Libertés Garantie Couverture Entreprise Business coverage insurance with key-person and partner protection components that maintains business continuity and control in case of death or incapacity of key individuals.
• Cardif Libertés Pro Provident insurance contract dedicated to self-employed professionals (TNS) that financially secures their activity and personal situation against unforeseen events.
• Cardif Elite Fully customizable patrimonial life insurance contract offering three management modes (free, delegated, mandate-based), with over 2,000 support options including euro funds and unit-linked investments, accessible from €15,000.
• Cardif Elite Capitalisation Capitalization contract for long-term wealth management optimization, offering three combinable management modes and over 2,000 investment supports including euro funds and unit-linked investments.
• Cardif Elite Retraite Individual retirement savings plan (PER) offering 1,200 investment funds, four management modes (pilotable, horizon, delegated, free), and multiple annuity options, accessible from €1,500.
• Triptis Patrimoine Collective and associative life insurance contract for wealth valorization, financial optimization, and heritage transmission aimed at high-net-worth clientele.
• Triptis Avenir Capitalisation Individual capitalization contract within the Triptis range for capital constitution, optimization, or transmission, available to individuals or legal entities seeking flexible heritage tools.

Quantifiable outcome

• Potential savings of up to €11,156 on borrower insurance compared to average group contracts
• +4 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• FigominorStrategic or Co-development PartnerPartnership with Figo for pet insurance (chien & chat). Cardif offers 10% lifetime reduction on pet insurance contracts and a €30 gift voucher with code CARDIF. Figo protects 270,000 pets across 5 countries (France, USA, Belgium, Germany, Netherlands) with 12 years of experience in animal health insurance.
• LemonademinorChannel Partner/ Reseller/ DistributorPartnership for tenant home insurance distribution. Cardif offers home insurance products for renters through Lemonade's digital platform.
• BNP ParibascoreOthersParent company and primary distribution channel. Cardif is the insurance brand of BNP Paribas Group, with shared branding (Groupe BNP Paribas). Distribution through BNP Paribas banking network.
• BNP Paribas Asset ManagementcoreTechnology or IntegrationAsset management expertise from BNP Paribas Group for investment management and pilot management services in retirement products.
• 210+ Asset management companiescoreTechnology or IntegrationOver 210 asset managers referenced including Rothschild & Co AM, M&G Investments, Natixis IM, Franklin Templeton, Edmond Rothschild AM, Credit Mutuel Asset Management, Carmignac, DNCA, La Française AM, AXA Investment Managers. Partners provide investment funds for life insurance and retirement products.
• 17 investment management companies for delegated managementcoreTechnology or Integration17 asset management companies authorized for delegated management within Cardif Elite products, providing personalized investment management services.
• KantarminorStrategic or Co-development PartnerPartnership since 2006 for the 'Baromètre du marché des CGP' (CGP Market Barometer), conducted with Kantar as the world's leader in data, research, and consulting. This is the reference study on the wealth management advisor market.

Scale indicators12 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Crédit Agricole Assurances: Insurance arm of Crédit Agricole Group, offering life insurance, savings, retirement, and creditor protection products distributed through the Crédit Agricole bank network and partner advisors across France. Closest comparable to Cardif due to the same banking-insurance integration model.
• Société Générale Insurance: Insurance subsidiary of Société Générale offering life insurance, savings, home, and borrower insurance products across France via bank branches and partner networks. Operates the same bancassurance-plus-partners model as Cardif.
• BPCE Assurances: Insurance arm of Groupe BPCE (Banque Populaire, Caisse d'Epargne) providing life insurance, savings, retirement, and protection products. Direct Cardif competitor in the French banking-insurance market with similar CGP and broker distribution.
• CNP Assurances: One of France's largest life insurance and personal insurance carriers, with deep bancassurance partnerships (including La Poste and Groupe BPCE historically) and a leader in creditor protection. Comparable to Cardif across life, savings, and retirement products.
• SwissLife France: French subsidiary of SwissLife Group focused on life insurance, savings, retirement, and health protection distributed through proprietary advisors and partner networks. Directly competes with Cardif in life insurance and wealth management with a comparable advisor-led model.

Broad incumbents

• Groupama: French mutual insurance group providing life, P&C, health, and banking products across France through regional mutuals and partner networks. Competes with Cardif in home, life, and protection with overlapping broker and partner distribution.
• AXA France: French subsidiary of global insurance leader AXA, offering a broad portfolio across life, P&C, health, and protection. Overlaps with Cardif in home, life, and protection but operates at much larger scale and broader product diversity.
• Covéa: French mutual insurance group (MAAF, MMA, GMF) operating across P&C, protection, and savings. Overlaps with Cardif in home and protection products but operates as a mutual insurer with a different ownership model.
• Generali France: French subsidiary of Generali Group offering life insurance, savings, and protections primarily through agent and broker networks. Overlaps with Cardif in life insurance and savings but with a heavier focus on agent distribution.
• Allianz France: French arm of Allianz Group providing life, P&C, health, and wealth management products to French consumers and businesses. Competes with Cardif across protection, savings, and retirement categories as part of a broader global insurance portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cardif_fr
• YouTubeyoutube.com/channel/UCIbpjag3mOd4Jq5l8nMQUTA
• Facebookfacebook.com/cardif.assurance
• LinkedInlinkedin.com/showcase/cardif-fr
• Instagraminstagram.com/cardif_assurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries4 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 Cardif