In the field of wealth management, IAS play a central role because many wealth strategies rely on insurance solutions such as:

• life insurance;
• protection insurance;
• retirement contracts;
• borrower insurance;
• capitalization contracts.

The IAS acts as an intermediary between the client and the insurance company.

This category includes several types of regulated professionals:

• insurance brokers;
• general insurance agents;
• insurance agents;
• agents of insurance intermediaries.

All these stakeholders must comply with a precise regulatory framework.

What is the role of an IAS in wealth management?

In wealth management, the IAS supports individuals and businesses in choosing insurance solutions suited to their wealth objectives.

They can be involved in a wide range of issues:

• retirement planning;
• wealth transfer;
• tax optimization;
• family protection;
• wealth diversification;
• estate planning;
• additional income.

With life insurance being one of the French’s favorite investments, the role of IAS is particularly important in wealth management firms.

The professional generally analyzes:

• the wealth situation;
• the client’s objectives;
• their investment horizon;
• their risk level;
• their protection needs.

Which professionals are considered IAS?

The term IAS corresponds to an overarching regulatory category.

Several statuses exist within insurance intermediaries:

• COA (Insurance Broker);
• AGA (General Insurance Agent);
• MA (Insurance Agent);
• MIA (Agent of an Insurance Intermediary).

In practice, many wealth management advisors combine several of these statuses in order to offer a comprehensive wealth offering.

A CGP can therefore be both:

• CIF for financial advice;
• IAS for insurance distribution;
• COBSP for financing solutions.

Why are IAS essential in wealth management?

Insurance is a major component of modern wealth strategies.

IAS make it possible in particular to implement solutions related to:

• building capital;
• estate transfer;
• retirement planning;
• spouse protection;
• tax management of wealth;
• financial investment via life insurance.

In wealth management firms, IAS status is often an essential foundation for effectively supporting clients.

It makes it possible to integrate insurance solutions into a holistic wealth approach.

Do IAS have to be registered with ORIAS?

Yes. All insurance intermediaries must be registered with ORIAS.

This registration makes it possible in particular to verify:

• the professional’s regulatory status;
• their authorizations;
• the validity of their activity;
• certain mandatory guarantees;
• their regulatory compliance.

Before any major wealth subscription, it is recommended to check the professional’s ORIAS registration.

What regulations govern IAS?

IAS are subject to the French Insurance Code as well as the European Insurance Distribution Directive (IDD).

In particular, they must:

• comply with advisory obligations;
• analyze the client’s needs;
• provide transparent information;
• specify their remuneration method;
• act in the client’s best interests.

In the wealth sector, these obligations are particularly important because the products offered can have significant financial and tax consequences over the long term.

Why use an IAS?

Using an IAS can provide professional support in choosing insurance solutions suited to your wealth strategy.

In particular, the professional can help to:

• choose a life insurance contract;
• prepare an estate;
• protect your loved ones;
• optimize the taxation of your savings;
• structure a retirement strategy;
• diversify your wealth.

As part of holistic wealth management, insurance solutions now play an essential role.

FAQ