Easy Family Finances

What Easy Family Finances does

Easy Family Finances is a privately-held, single-office French boutique insurance brokerage and financial advisory firm headquartered in Villefranche-sur-Saône, Auvergne-Rhône-Alpes. It is operated by Pascal Morateur, an independent insurer and financial advisor who has been active in the sector since 1986. The firm functions as a regulated multi-partner intermediary aggregator: it does not underwrite or issue its own financial products but connects individual and family clients with insurance carriers, credit providers, and wealth product partners. Its product portfolio spans health insurance (mutuelle santé via Zenioo), loan insurance renegotiation (via AFI ESCA), dependency insurance (via Alptis), professional insurance (via +Simple), cyber insurance (via Stoïk), credits and mortgage consolidation (via IN&FI), life insurance with SCPI allocations (via CORUM Life), budget optimisation education (via FILIANSE), and subsidised energy renovation (via EFE/Easy Family Energy). Customers are predominantly French individual and family clients in the Auvergne-Rhône-Alpes region seeking coordinated guidance across insurance, savings, credit, and heritage planning.

The firm operates under a robust regulatory stack: COA insurance broker registration (under ACPR), IOBSP credit intermediation (under ACPR, executed as MIOBSP representative of mandated broker INOVEA Crédit, ORIAS 19005058), CIF investment advisory (under AMF supervision via CNCEF), and a real estate transaction card issued by the CCI de l'Ain. Revenue is generated entirely through commissions on placed insurance and financial products; the firm explicitly discloses that no single provider contributes more than 33% of revenue. Pricing is not publicly itemised, and the primary conversion mechanism is a free 'Point sur ma situation' consultation, supported by online comparison tools and simulators that act as lead-capture channels.

The technology layer is intentionally lightweight: a WordPress/Elementor website hosted on OVH, with Complianz for GDPR cookie consent, Wordfence for security, Google Analytics for traffic analysis, and Google reCAPTCHA for bot protection. The site also hosts a blog of educational content (real estate market commentary, loan insurance guidance) serving top-of-funnel acquisition. Headcount is small (1–5 employees, with Pascal Morateur as the only identified operator), consistent with the firm's explicit 'cabinet à taille humaine' (human-sized cabinet) positioning. There is no evidence of external funding, institutional ownership, subsidiaries, or M&A activity; ownership and operations are concentrated in the principal.

Name

Easy Family Finances

Legal name

Easy Family Finances

Website

https://easyfamilyfinances.fr

Company type

Private

Founded year

1986

Operating status

Operating

Short description

Easy Family Finances is a Villefranche-sur-Saône-based boutique insurance brokerage and financial advisory firm led by Pascal Morateur since 1986, offering multi-partner insurance, credit, life insurance, and wealth management services to French individual and family clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Financial Advisory

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Life Insurance (6311)

akta.pro primary industry

Family Office Advisory (Single/Multi-Family) (FSAEAAAI)

akta.pro secondary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Insurance brokerage
• Financial advisory
• Credit intermediation
• Wealth management
• Insurance comparison

Headquarters

HQ city

Villefranche-sur-saône

HQ country

France

HQ region

Europe

Offices1 record

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 and Financial Product Commissions: As a broker (Courtier en Opérations d'Assurance - COA), intermediary (IOBSP), and financial advisor (CIF), Easy Family Finances earns commissions on insurance policies and financial products sold to clients. Their disclosure states remuneration is based on 'commissions or monetary or non-monetary advantages on financial instruments that clients may subscribe to'. For insurance brokerage, they are not tied to exclusive carriers and do not derive more than 33% of revenue from any single provider.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Easy Family Finances is an insurance brokerage and financial advisory firm that distributes health, loan, dependency, professional, cyber, and life insurance products, along with credit/financing and budget education services, sourced from a curated set of French partners. The firm operates under CIF, IOBSP, and COA regulatory registrations and earns commissions on policies and financial instruments placed with these providers. Pascal Morateur delivers personalized advisory through a free situation assessment, supported by online comparison tools and simulators.

Product overview

Easy Family Finances is a multi-partner insurance and financial services brokerage platform offering a portfolio of insurance and financial products through various partnerships. The core offerings include health insurance comparison (via Zenioo), loan insurance (via AFI ESCA), dependency insurance (via Alptis), professional insurance (via +Simple), cyber insurance (via Zenioo/Cyber Stoïk), credits (via IN&FI), life insurance (via CORUM Life), and budget optimization services (via FILIANSE). The company also offers subsidized renovation services through EFE and provides comprehensive financial advisory services including investment consulting, banking intermediation, mortgage advice, and real estate transactions. The platform acts as an aggregator and intermediary, connecting customers with specialized insurance and financial partners rather than offering its own underwritten products.

Differentiator

Problem solved

Functional benefit

Brands

• FILIANSE: First family financial pedagogy program designed to make budget and wealth management clear and accessible for everyone.

Products and services

• Mutuelle Santé (Health Insurance Comparator) Online health insurance comparison and quotation service for individuals, distributed in partnership with Zenioo, with emphasis on coverage for alternative medicine (médecines douces).
• Assurance de Prêt (Loan Insurance) Borrower insurance renegotiation and switching service, including an online savings simulator, offered in partnership with AFI ESCA to help borrowers reduce loan insurance costs.
• Assurance Dépendance (Dependency Insurance) Insurance coverage for loss of autonomy, paying benefits when the insured cannot perform 2 or 3 of 4 daily activities without assistance, with monthly rent options from €250 to €1,350, offered via partner Alptis.
• Assurances Professionnelles (Professional Insurance) Business insurance products enabling companies to obtain quotes for coverage matching their professional needs, offered in partnership with +Simple.
• Assurance Cyberattaques (Cyber Insurance) Cyber attack insurance protecting businesses against IT system breaches and data incidents, combining insurance with cybersecurity services, targeted at TPE/PME with revenues between 0-50 million euros, offered in partnership with Stoïk.
• Crédits (Credit and Financing Services) Tailored financing solutions including mortgage loans, professional loans, personal loans, and credit consolidation, intermediated in partnership with IN&FI Crédits.
• Assurance Vie (Life Insurance) Long-term savings and wealth transmission product investing in financial instruments such as SCPI and bond funds, with tax advantages after 8 years, offered in partnership with CORUM Life (2022 Contract of the Year).
• Optimiser votre budget (Budget Optimization Program) Financial education and budget management program positioned as the first family financial pedagogy initiative, designed to make budget and asset management clear and accessible, provided in partnership with FILIANSE.
• Rénovation globale subventionnée (Subsidized Global Renovation) Free eligibility testing for subsidized comprehensive home renovation programs, offered in partnership with EFE (Easy Family Energy), extending Easy Family Finances' advisory scope into energy efficiency.
• Financial Advisory Services Regulated advisory services covering financial investment advice (CIF), banking operations intermediation (IOBSP), mortgage credit consulting, insurance brokerage (COA), and real estate transactions, delivered personally by Pascal Morateur.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• ZenioocoreChannel Partner/ Reseller/ DistributorZenioo is a partner for health insurance (mutuelle santé) comparison and distribution. Easy Family Finances offers Zenioo's insurance products through their platform, specifically highlighting coverage for alternative medicine (médecines douces).
• IN&FI CréditscoreChannel Partner/ Reseller/ DistributorIN&FI is a partner for credit and mortgage services. They provide tailored financing solutions including mortgage loans, professional loans, personal loans, and credit consolidation. Easy Family Finances offers IN&FI's services and publishes their market analysis content.
• CORUM LifecoreChannel Partner/ Reseller/ DistributorCORUM Life is the partner for life insurance (assurance vie) products. Their flagship offering allows investment in SCPI (real estate investment trusts) and bond funds. CORUM Life has won multiple industry awards including 2022 Contract of the Year.
• AlptiscoreChannel Partner/ Reseller/ DistributorAlptis is a partner for dependency insurance (assurance dépendance) products, offering coverage for loss of autonomy with monthly rent options ranging from €250 to €1,350.
• INOVEA CréditcoreImplementation/ SI/ Consulting PartnerINOVEA Crédit is the mandated broker (mandant) for Easy Family Finances' IOBSP activities. They are registered with ORIAS under number 19005058 and are based in Montpellier. Easy Family Finances acts as their authorized representative (MIOBSP).
• AFI ESCAminorChannel Partner/ Reseller/ DistributorAFI ESCA is referenced as a partner for loan insurance (assurance de prêt) renegotiation services.
• +SIMPLEminorChannel Partner/ Reseller/ Distributor+SIMPLE (plussimple.fr) is a partner for professional insurance (assurances professionnelles) products.
• FILIANSEcoreStrategic or Co-development PartnerFILIANSE is positioned as a strategic partner for budget and heritage education. They are described as the first family financial pedagogy program, making budget and heritage management clear and accessible. Easy Family Finances actively promotes FILIANSE's program.
• EFE (Easy Family Energy)minorChannel Partner/ Reseller/ DistributorEFE (easyfamilyenergy.fr) is a partner for subsidized global renovation services, extending Easy Family Finances' service offerings into energy efficiency.
• StoïkcoreChannel Partner/ Reseller/ DistributorStoïk provides cyber insurance (assurance cyberattaques) products through their Cyber Stoïk offering. The product is designed for TPE/PME with revenues between 0-50 million euros and combines insurance with cybersecurity protection services.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Cyrus Conseil: Independent French wealth management advisory with multi-product offerings (insurance, savings, real estate). Comparable to EFF as a boutique, multi-licensed (CIF/COA/IOBSP), commission-driven family wealth advisor.
• Assurland: Established French insurance comparison platform for mutuelle, loan insurance, and other personal lines. Directly competes with EFF's mutuelle and assurance de prêt brokerage through a more digital comparison-led model.
• WeSave: French online life insurance and savings broker. Comparable to EFF on the life insurance / patrimoine side, but operates digitally rather than as a single-advisor boutique — illustrates the digital threat to EFF's commission model.
• Magnacarta: French boutique wealth management and family advisory firm offering insurance, savings, and credit intermediation across multiple partners. Highly comparable to EFF in model, customer segment (French families/HNWI), and commission-based revenue.
• Hyperassur: French insurance comparator focused on mutuelle santé, loan insurance, and auto. Comparable to EFF as a French insurance broker intermediating the same product categories (mutuelle, assurance de prêt) but at greater digital scale.
• IN&FI Crédits: French brokerage network specialized in mortgage, personal, and credit consolidation loans. EFF is a partner/IOBSP intermediary of IN&FI; both compete for the same family-borrower segment in intermediated credit, though IN&FI operates a multi-branch franchise model.

Emerging players

• Linxo: French personal finance management and credit aggregation platform. Overlaps with EFF's budget optimization and credit intermediation services (FILIANSE, IN&FI) but serves clients through a digital app rather than an advisor.
• Zenioo: French health insurance (mutuelle) specialist and partner of EFF. Comparable niche focus on alternative-medicine-friendly mutuelles; competes indirectly by offering direct-to-consumer mutuelle comparison without an advisory layer.
• Nalo: French robo-advisor and savings/wealth platform. Competes with EFF for the family patrimoine segment but through automated, low-fee investment management rather than personal advisory — illustrates digital disruption to traditional advisory economics.

Broad incumbents

• Primonial: Large French wealth management group covering life insurance, asset management, and advisory. Comparable to EFF on patrimoine/assurance vie and CIF-style services, but at significantly larger scale and broader product range.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

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 Easy Family Finances