Abeille Assurances — Paris-headquartered French life-insurance arm of Aema Groupe (rebranded from Aviva France in 2021); ACPR-supervised underwriter of EUR 71bn in assurance-vie and retirement contracts.
- Scale
- EUR 71bn AUM (FR)
- Wrappers
- Vie + PER
- Connection
- Read-only
Funds en euros sleeve
The capital-protected sleeve (Abeille Avenir, Eurossima) reads into Bank AI with current value, cumulative gross interest and net of UC fees, in your home currency.
Unites de compte allocations
Equity, bond and ESG unites de compte are surfaced as separate sub-positions so allocation maths is honest about the protected vs. at-risk split.
PER (Plan d'Epargne Retraite)
Abeille Retraite Plurielle balances are tagged separately from assurance-vie so liquidity and tax treatment are never conflated.
Versements and rachats
Recurring versements and any partial rachats are tagged with cumulative cost basis so dollar-cost-averaged return and the audit trail per disposal are preserved.
- Abeille Avenir (assurance-vie multi-supports)
- Abeille Capi (capitalisation)
- Abeille Retraite Plurielle (PER)
- Funds en euros AFER Eurossima
- Unites de compte ESG
- Headquarters
- Paris, France
- Founded
- 2021 (rebrand of Aviva France)
- Parent group
- Aema Groupe
- Regulator
- ACPR
- What is my total assurance-vie balance across Abeille and my other contracts?
- How much did I contribute to my Abeille PER year-to-date?
- What is the funds en euros vs. unites de compte split on my Abeille contract?
- Show me my Abeille fees and rendement servi over the last 5 years.
- Provider
Afer
France's largest assurance-vie association; 780k+ members, EUR 56bn outstanding, surfaced read-only in Bank AI.
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AG2R La Mondiale
French mutualist insurance group; EUR 130bn AUM, strong PER / Madelin / Article 83 franchise, surfaced read-only in Bank AI.
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Allianz
Munich-HQ global insurer (XETRA: ALV); EUR 760bn AUM across DE/FR/IT/ES, surfaced read-only in Bank AI.
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Amundi
Europe's largest asset manager (Credit Agricole); EUR 2.2tn AUM, PER / ETFs / mandates surfaced read-only in Bank AI.
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Does Bank AI place arbitrages on my Abeille contract?
No. Bank AI is read-only by design. We surface positions, the funds en euros vs. unites de compte split, contributions and rachats so you can see the picture, but every arbitrage continues to happen via Abeille Assurances or your distributor. We never move member funds.
How does Bank AI connect to Abeille Assurances?
Bank AI connects via licensed open-banking and aggregation partners that hold the AISP / DSP2 permissions needed to read assurance-vie and PER positions. Read-only access is enforced — there is no contractual sleeve where Bank AI can move funds.
Is Abeille Assurances regulated?
Yes. Abeille Assurances Vie is supervised by the ACPR (Autorite de controle prudentiel et de resolution) and underwrites contracts under the French Code des assurances. Bank AI is NOT an underwriter; the contractual sleeve and member fund custody remain with Abeille.
Are my PER contributions tracked separately?
Yes. Abeille Retraite Plurielle balances are tagged separately from assurance-vie because liquidity and tax treatment differ — PER is locked until retirement (with limited exit conditions), and contributions can be deductible from taxable income subject to PER caps.
Does Bank AI calculate French tax (PFU / PFL / IFI)?
No. Bank AI surfaces the disposals, contributions and gains that drive the calculation but the filing itself (PFU 30 percent, PFL on rachats above 8 years, IFI on real-estate UCs) is best handled by your accountant or via Abeille's annual statement (IFU).
Is my Abeille data sent outside the EU?
No. Bank AI processes member data in EU regions by default, with AES-256 encryption and EU-region key management. Abeille remains the underwriter and custodian of the contractual sleeve.
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