Name

Mutuelle Générale de Prévoyance

Legal name

Mutuelle Générale de Prévoyance

Website

https://mgprev.fr

Company type

Private

Founded year

1986

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Provident Insurance (Prévoyance)

NAICS

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

SIC

Insurance Carriers, Nec (6399)

akta.pro primary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

akta.pro secondary industries

Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC), Traditional Long-Term Care (LTC) Insurance (FSAIAJAA)

Keywords

• Provident insurance products
• Mutual insurance company
• Death and disability coverage
• Income protection insurance
• Funeral and dependency insurance

Headquarters

HQ city

Annecy

HQ country

France

HQ region

Europe

Offices3 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. Prévoyance Insurance Premiums: The company generates revenue through insurance premiums collected on prévoyance products (death, accident, hospitalization, loss of income, funeral costs, dependency, savings, and loan protection) sold to individuals, independent professionals, enterprises, and public sector employees through partner health mutuals.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Mutuelle Générale de Prévoyance is a French mutual insurance company entirely dedicated to prévoyance (provident insurance), selling individual, enterprise, self-employed professional, and public sector coverage products including death, accident, hospitalization, income loss, funeral, dependency, loan protection, and savings guarantees. The company distributes its products exclusively through a network of approximately 60 partner health mutuals under white-label arrangements, with additional direct sales to enterprises and public sector bodies through its call-for-tender service.

Product overview

Mutuelle Générale de Prévoyance is a mutual insurance company exclusively dedicated to provident insurance (prévoyance), founded in 1986 and operating as part of the Groupe Entis. The company offers a broad portfolio of individual and collective insurance products distributed through a network of approximately 60 partner mutuals. Individual products include Protect'Accident (accident), Hospit 365 (hospitalization), Mut'Décès + (death), Mut'ualité Obsèques + (funeral), Mut'Emprunt + (borrower protection), Mut'IJ Salariés and Mut'Prevoir Salariés (income maintenance), Mut'Dépendance (dependency), and Mut'Epargne + (savings). Business products include SERENYS Prévoyance (standard contracts), customized contracts, Prev'Accident Entreprises (business accident), and sector-specific CCN offers. Self-employed professionals are served through Mut'IJ Professionnels indépendants and Mut'Prevoir Professionnels indépendants. Public sector offerings include Label Mut'territoriaux (labeled individual), Garantie décès Fonction publique, and Garantie individuelle agents hospitaliers. Supplementary services include a public procurement call-for-tenders service, Mut&Psy (psychological support), and Mut&Prev (workplace prevention). The company does not operate as a software platform and has no public API.

Differentiator

Problem solved

Functional benefit

Products and services

• Protect'Accident Individual accident insurance covering daily life accidents with indemnity for coma, death capital for AVC (stroke) or heart attack, home adaptation capital, and optional Incapacité Physique et Permanente (IPP) or monthly dependency annuity. Priced from €7.50/month with no health questionnaire required. Targeted at individual consumers seeking protection against life accidents.
• Hospit 365 Individual hospitalization insurance providing a daily allowance during hospital stays to cover room upgrades, co-pays, and transport costs. Available with three duration options and four indemnity level options. Targeted at individual consumers.
• Mut'Décès + Individual death insurance providing a capital payout to beneficiaries and optionally an education annuity to protect children in case of the policyholder's death or permanent total disability. Targeted at individual consumers.
• Mut'ualité Obsèques + Funeral expense insurance covering funeral costs up to €8,000 with 24/7 assistance including repatriation, organization support, and optional Voeu Funéraire to enforce the policyholder's funeral wishes. Targeted at individual consumers.
• Mut'Emprunt + Loan protection insurance covering outstanding mortgage or credit repayments in the event of death, disability, or temporary work incapacity, protecting the lender against non-payment. Targeted at individual consumers with mortgages or consumer credit.
• Mut'IJ Salariés Income maintenance insurance for employees covering salary loss from the 4th day of sick leave through to disability, reimbursing actual income loss with no premium loading for risky professions. Targeted at employed individuals.
• Mut'Prevoir Salariés Flat-rate daily indemnity insurance for employees covering sick leave from day 16 to day 90, with hospital accident daily allowance and accidental death capital. Targeted at employed individuals.
• Mut'Dépendance Dependency insurance paying an equipment capital upon loss of autonomy recognition followed by a monthly annuity (€304 to €1,829 range), with fixed premiums and a 20% couple discount. Targeted at individual consumers concerned about long-term care.
• Mut'Epargne + Savings insurance combining Livret A simplicity with assurance-vie tax advantages, offering monthly deposits from €20, single payments up to €100,000, and 2022 yield of 1.16% with 0.40% management fees. Targeted at individual consumers seeking tax-advantaged savings.
• SERENYS Prévoyance Standardized group provident insurance for companies covering work stoppage (with three franchise options), invalidity, and death, with options for non-executive and executive tiers, education annuity, and no health questionnaire for groups of 6+ employees. Targeted at companies seeking standard employee benefits packages.
• Contrats personnalisés (Customized Enterprise Contracts) Customized tailor-made group provident insurance for companies with 10 or more employees, adapting coverage precisely to specific business risks. Targeted at medium and large enterprises with unique benefit requirements.
• Prev'Accident Entreprises Business accident insurance covering accidental death, AVC-related death, accident hospitalization allowances, and home/vehicle adaptation expenses, with no health questionnaire, no age limit, no minimum headcount, and no waiting period. Targeted at enterprises seeking accident coverage for employees.
• Offres CCN (Collective Agreement Sectoral Offers) Collective agreement-specific provident insurance products adapted to 16 industry sectors (including HCR, Transports Routiers, SYNTEC, Métallurgie, ALISFA, Agro Alimentaire, Animation ECLAT, Automobile, Coiffure, wines and spirits, and engineering consultancies) meeting specific branch risk requirements. Targeted at companies operating under specific CCNs.
• Mut'IJ Professionnels indépendants Income maintenance and death insurance for self-employed professionals covering back pain and depression from day one, with no premium loadings or exclusions for high-risk occupations, and premium exemption after 90 days of sick leave. Targeted at independent professionals (craftspeople, traders, liberal professions).
• Mut'Prevoir Professionnels indépendants Pack combining daily indemnity and accident coverage for self-employed professionals, offering a daily indemnity from day 16 (or day 7 for hospitalization), 60-day hospital accident allowance, and accidental death capital with four benefit tiers. Targeted at independent professionals seeking packaged protection.
• Label Mut'territoriaux Labeled individual provident insurance for public service employees covering temporary and permanent incapacity with daily indemnities (90–95% of net salary), invalidity annuity, optional death capital, and education annuity. Targeted at territorial public sector employees.
• Garantie décès Fonction publique Death insurance for public service employees paying a €25,000 capital and a €2,500/year education annuity per child up to age 18 (or 26 for continued studies), with no sports risk exclusions. Targeted at public service employees.
• Garantie individuelle agents hospitaliers Individual provident insurance for hospital public service employees covering work stoppage at 95% of net salary, invalidity from first category, and death/invalidity capital equal to 100% of annual gross salary. Targeted at hospital public agents affiliated with CGOS.
• Service Appels d'offres (Public Tender Response Service) Public procurement and participation convention response service that detects opportunities, assembles bid files with partner mutuals, and manages approximately 100 responses per year with a ~20% award rate, generating 3,000+ new adhesions per year. Targeted at territorial and hospital public sector bodies via partner mutuals.
• Mut&Prev (Workplace Prevention Service) Tailored workplace prevention service for businesses covering risk analysis, awareness campaigns, and employee support programs as part of group provident coverage. Targeted at enterprises seeking integrated prevention alongside prévoyance benefits.
• Mut&Psy (Psychological Support Service) Psychological support service offering up to 12 consultations per year, fully covered with no out-of-pocket costs and guaranteed confidentiality for policyholders. Targeted at policyholders across individual and enterprise products.

Quantifiable outcome

• 480,000 total policyholders served through partner network
• +3 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles4 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.

• Agence LUCIEminorOthers · 30 January 2026The leading French RSE certification and community organization that awarded the LUCIE Progress label and hosts the LUCIE community of over 1,400 organizations committed to sustainable development.
• Origine France GarantieminorOthers · 1 January 2024Independent certification body that awarded the company the Service France Garanti certification, recognizing that 100% of its workforce and operations are based in France.
• Groupe Entis (UMG Entis Les Mutuelles de l'Etre)coreStrategic or Co-development PartnerThe company is a founding member of Groupe Entis (Union Mutualiste de Groupe), a mutual insurance group providing financial solidarity and shared services with other member entities. The company actively participates in the deployment of Entis Services (UGM), whose service offerings are available to all member mutuals regardless of size. The Groupe provides institutional support, shared infrastructure, and collective bargaining power.
• Mutuelles Santé Partenaires (Partner Health Mutuals)coreChannel Partner/ Reseller/ DistributorApproximately 60 health mutual insurers across France, Réunion, and French Antilles distribute the company's prévoyance products to their members under white-label arrangements. The multi-detention model (selling both health and prévoyance through the same mutual) serves as a key retention and development lever for partner mutuals. Five new partner mutuals joined in 2024.
• MFPrécautionminorStrategic or Co-development PartnerPartnership with MFPrécaution (presented by Philippe Antoine, President of MFPRECAUTION) to offer the Mut'Précaution mutualist guarantee solution for public sector employees. This replaces traditional bank mortgage or guarantee for purchasing primary residence, offered in partnership with certain banks.
• Mountain PathminorStrategic or Co-development PartnerPartner for collaborative design fiction workshop at the 2023 Journée Prévoyance, helping partner mutuals visualize future scenarios where events dramatically changed organizational environments.
• CCN Sectoral Branches (ALISFA, Agro Alimentaire, Animation ECLAT, Automobile, Coiffure, HCR, Métallurgie, SYNTEC, Transports Routiers, etc.)minorChannel Partner/ Reseller/ Distributor16 sectoral collective agreement (CCN) niches for which the company has developed tailored prévoyance products. These include ALISFA (social link sector), agro-food industries, entertainment/animation, automobile, hairdressing, hotels-restaurants-cafés, metallurgy, engineering consultancies, road transport, wines and spirits, and others.

Scale indicators7 records

Direct peers

• Klesia: French group protection specialist focused on prévoyance, health, and retirement for companies and professionals. Directly comparable to MGP's group prévoyance B2B2C model through partner mutuals and enterprise distribution.
• Henner: French prévoyance and health specialist for groups and individuals, with strong positions in CCN-driven collective coverage. Closely mirrors MGP's CCN and group prévoyance offerings.

Broad incumbents

• AG2R La Mondiale: Leading French insurance group for prévoyance, savings, and retirement with a broad multi-line portfolio and extensive group/enterprise distribution. Overlaps with MGP's prévoyance product set across individuals, enterprises, and public-sector segments.
• Malakoff Humanis: Major French group protection player offering prévoyance, health, and savings to enterprises and professionals. Comparable to MGP's enterprise CCN offers and SERENYS-style group prévoyance products.
• Covéa (MAAF, MMA, GMF): Large French mutual insurance group offering multi-line coverage including prévoyance through its affiliated brands. Comparable as a broad incumbent with mutual heritage that intersects MGP's territory.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole group offering life, death, loan protection, and prévoyance products distributed through Crédit Agricole's bank network. Comparable on the loan protection (Mut'Emprunt+) and life/savings product lines.
• CNP Assurances: Major French life and personal risk insurer with strong public-sector and group prévoyance distribution. Comparable on the death, dependency, and public-sector prévoyance product lines.
• AXA France: Large multi-line French insurer with broad prévoyance and group benefits offerings. Comparable on enterprise and individual prévoyance product categories but with very different scale and channel mix.
• Allianz France: Major multi-line French insurer with significant group life, health, and prévoyance offerings distributed through broker and partner channels. Comparable on enterprise prévoyance and CCN-style group coverage.

Others

• Vyv (Groupe Vyv): Leading French mutual health group that both competes and partners in the prévoyance ecosystem. Relevant as an ecosystem participant whose member mutuals are potential distribution partners for MGP-style white-label prévoyance.

Market position

Strengths5 records

Weaknesses4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/la-mutuelle-g%C3%A9n%C3%A9rale-de-pr%C3%A9voyance/posts/?feedView=all

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Mutuelle Générale de Prévoyance