We are the number one of the Creditor Protection Insurance market with strong positions in savings and protection insurance in 30 countries in Europe, Asia and Latin America. 


The insurance partner: a unique model

Because the combination of diversified expertise and perspectives is a source of innovation, we have established a unique since our founding as the insurance partner. We offer products adapted to the needs of our partners around the world in a variety of sectors : banking, credit companies, automakers, retailers, telecoms... all around the world.

30 countries
500 distribution partners
+ 8,000 employees worldwide
30,3 bn gross written premiums in 2023
255 bn assets under management in 2023
Leader worldwide in creditor insurance. Diversified activites and distribution. 76% savings and 24% protection

Protection & Savings

Thanks to our solutions, our policyholders are able to protect themselves and their families against life contingencies such as accidents, illness, death and job loss. We have also integrated diverse savings solutions into our range to enable individuals to prepare for retirement and protect their family.

Expertise  that benefits everyone


Our teams have in-depth knowledge of our distribution partners’ industries, contributing actuarial and data science to provide our partners with solutions that are targeted, innovative and relevant.

In a rapidly changing world (consumption habits, demographic trends, digitalisation, etc.), where new uses and expectations are continually emerging, we persue ongoing transformation to support our clients with the expertise of a solid company resolutely in phase with its times.

3 major pillars underpin our strategic plan and drive and drive our evolution as a company that is:

  • “Growth”: strengthen Savings & Protection businesses and capture new growth opportunities

  • "Technology": leverage technology and artificial intelligence to enrich the customer experience 

  • “Sustainability”: amplify positive impact on the environment and on society

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Working for a better society:

As an insurer

We were one of the first insurers to facilitate access to creditor insurance for people with certain pathologies, including asthma and quadriplegia. In addition, we have extended the age limit for our creditor insurance contracts, enabling people of up to 85 to subscribe life insurance.

As an investor

We finance businesses and projects that have a positive social and environmental impact. One of our actions has been to employ a carbon filter in our decision-making process to ensure that we invest in businesses that have demonstrated their commitment to reducing of greenhouse gas emissions

As an employer

Committed to diversity and to gender equality in the workplace, we raise awareness among our managers of the need to combat all forms of discrimination and harassment. We are also taking action to improve well-being at work, with initiatives such as the creation of inspiring open workspaces.

As a corporate citizen

Ethics are at the heart of our mission, especially by respecting the privacy of our customers’ data. We also finance more than 6,000 emergency accommodation units and support over 8,000 vulnerable people through the Hémisphère fund dedicated to providing homes for those in need.

Towards common goals