{"id":17109,"date":"2026-04-12T13:29:22","date_gmt":"2026-04-12T12:29:22","guid":{"rendered":"https:\/\/www.experts-du-patrimoine.fr\/definitions\/mia-insurance-intermediary-agent\/"},"modified":"2026-08-08T10:12:10","modified_gmt":"2026-08-08T09:12:10","slug":"mia-insurance-intermediary-agent","status":"publish","type":"lexique","link":"https:\/\/www.experts-du-patrimoine.fr\/en\/glossary\/mia-insurance-intermediary-agent\/","title":{"rendered":"MIA (Insurance Intermediary Agent)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/www.experts-du-patrimoine.fr\/gestion-de-patrimoine\/\">the wealth management sector<\/a>, this status is regularly used by wealth management advisors, business providers or commercial networks wishing to offer life insurance, protection or savings solutions without directly holding independent broker status.<\/p>\n\n<p class=\"wp-block-paragraph\">The MIA therefore intervenes in an intermediation chain. They act under the responsibility of the intermediary who grants them the mandate. <\/p>\n\n<section class=\"edp-key-figures\">\n\n\t<h2 class=\"edp-key-figures__title\">\n The Insurance Intermediary Agent (MIA) in figures\n\t<\/h2>\n\n\t<p class=\"edp-key-figures__content\">\n The Insurance Intermediary Agent (MIA) operates on behalf of a broker or another insurance intermediary, without being directly mandated by an insurance company. Their <strong>ORIAS registration is mandatory<\/strong>. As of <strong>December 31, 2024<\/strong>, France had <strong>29,928 MIAs<\/strong>, representing an increase of <strong>19.8%<\/strong> in one year. MIAs now account for more than <strong>41% of insurance registrations<\/strong> with ORIAS, making them the leading category of insurance intermediaries in France. Approximately <strong>88%<\/strong> of them operate on behalf of an insurance broker.     \n\t<\/p>\n\n\t<div class=\"edp-key-figures__sources\">\n\n\t\t<span class=\"edp-key-figures__sources-label\">\n  Sources:\n\t\t<\/span>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.orias.fr\/home\/communications\" target=\"_blank\" rel=\"noopener noreferrer\">\n  ORIAS 2024 Annual Report\n\t\t<\/a>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/www.orias.fr\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n  ORIAS\n\t\t<\/a>\n\n\t\t<a class=\"edp-key-figures__source\" href=\"https:\/\/acpr.banque-france.fr\/fr\/professionnels\/lacpr-vous-accompagne\/intermediaires\/intermediaires-dassurance\" target=\"_blank\" rel=\"noopener noreferrer\">\n  ACPR\n\t\t<\/a>\n\n\t<\/div>\n\n<\/section>\n\n<h2 class=\"wp-block-heading\">What is the role of an MIA in wealth management?<\/h2>\n\n<p class=\"wp-block-paragraph\">In the wealth management world, the insurance intermediary agent participates in the marketing of insurance products used in wealth strategies.<\/p>\n\n<p class=\"wp-block-paragraph\">They can notably support clients with:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>life insurance;<\/li>\n\n\n\n<li>retirement planning;<\/li>\n\n\n\n<li>protection and insurance;<\/li>\n\n\n\n<li>estate planning;<\/li>\n\n\n\n<li>financial savings;<\/li>\n\n\n\n<li>spousal protection;<\/li>\n\n\n\n<li>capital building.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The MIA can present contracts, explain how they work and support the client in the subscription process. However, their level of autonomy depends on the mandate entrusted to them. <\/p>\n\n<p class=\"wp-block-paragraph\">In many <a href=\"https:\/\/www.experts-du-patrimoine.fr\/gestion-de-patrimoine\/\">wealth management<\/a> firms, this status allows certain advisors to practice under the regulatory supervision of a broker or a main structure that is already registered.<\/p>\n\n<h2 class=\"wp-block-heading\">What is the difference between an MIA and an insurance broker?<\/h2>\n\n<p class=\"wp-block-paragraph\">The main difference lies in the level of independence.<\/p>\n\n<p class=\"wp-block-paragraph\">The insurance broker generally acts independently and can select contracts from different insurance companies according to the client&#8217;s needs.<\/p>\n\n<p class=\"wp-block-paragraph\">The MIA, on the other hand, acts on behalf of another intermediary. They therefore depend on the framework set by their principal. <\/p>\n\n<p class=\"wp-block-paragraph\">In the field of wealth management, some professionals start under the MIA status before obtaining their own registration as a broker or independent wealth management advisor.<\/p>\n\n<h2 class=\"wp-block-heading\">Is the MIA registered with ORIAS?<\/h2>\n\n<p class=\"wp-block-paragraph\">Yes. The insurance intermediary agent must be registered with <a href=\"https:\/\/www.experts-du-patrimoine.fr\/definitions\/orias\/\" type=\"lexique\" id=\"3131\">ORIAS<\/a> to legally carry out their activity. <\/p>\n\n<p class=\"wp-block-paragraph\">ORIAS is the official register listing professionals authorized to operate in the insurance, banking and finance sectors.<\/p>\n\n<p class=\"wp-block-paragraph\">This registration notably allows for the verification of:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the professional&#8217;s legal existence;<\/li>\n\n\n\n<li>their regulatory status;<\/li>\n\n\n\n<li>their authorizations;<\/li>\n\n\n\n<li>the name of their principal;<\/li>\n\n\n\n<li>their administrative compliance.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In the wealth management sector, checking a professional&#8217;s ORIAS registration is an important reflex before subscribing to any financial or insurance product.<\/p>\n\n<h2 class=\"wp-block-heading\">How to check the ORIAS registration of an MIA?<\/h2>\n\n<p class=\"wp-block-paragraph\">It is possible to consult the official ORIAS register free of charge to verify if a professional is properly authorized to practice.<\/p>\n\n<p class=\"wp-block-paragraph\">The register allows you to find:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the ORIAS number;<\/li>\n\n\n\n<li>the type of authorization;<\/li>\n\n\n\n<li>the regulatory category;<\/li>\n\n\n\n<li>the identity of the principal;<\/li>\n\n\n\n<li>the validity status of the registration.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">This verification is particularly useful in wealth management, where clients may be required to subscribe to products involving a significant portion of their savings or assets.<\/p>\n\n<h2 class=\"wp-block-heading\">Why is the MIA status common among CGPs?<\/h2>\n\n<p class=\"wp-block-paragraph\">In wealth management, professionals often combine several regulatory statuses to offer comprehensive support.<\/p>\n\n<p class=\"wp-block-paragraph\">A wealth management advisor can thus be a:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>financial investment advisor (<a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/categorie\/financial-investment-advisor-cif\/\">CIF<\/a>);<\/li>\n\n\n\n<li>insurance intermediary agent (<a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/mia-insurance-intermediary-agent\/\" type=\"lexique\" id=\"11692\">MIA<\/a>);<\/li>\n\n\n\n<li>banking operations and payment services intermediary (<a href=\"https:\/\/www.experts-du-patrimoine.fr\/definitions\/iobsp\/\" type=\"lexique\" id=\"3133\">IOBSP<\/a>);<\/li>\n\n\n\n<li>real estate agent.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The MIA status notably allows certain firms or independent professionals to access life insurance or protection solutions without immediately having a full brokerage structure.<\/p>\n\n<p class=\"wp-block-paragraph\">It is therefore a very common status in wealth distribution networks.<\/p>\n\n<h2 class=\"wp-block-heading\">What regulation governs MIAs?<\/h2>\n\n<p class=\"wp-block-paragraph\">Insurance intermediary agents are subject to the Insurance Code as well as European rules related to the Insurance Distribution Directive (IDD).<\/p>\n\n<p class=\"wp-block-paragraph\">They must notably:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>comply with information obligations;<\/li>\n\n\n\n<li>act within the framework of the entrusted mandate;<\/li>\n\n\n\n<li>have a valid ORIAS registration;<\/li>\n\n\n\n<li>comply with advice and transparency rules.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">These obligations aim to secure the distribution of financial and insurance products in a highly regulated environment.<\/p>\n\n<h1 class=\"wp-block-heading\">FAQ<\/h1>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779550938891\"><strong class=\"schema-faq-question\">What is an MIA?<\/strong> <p class=\"schema-faq-answer\">An MIA is an insurance intermediary agent. They distribute insurance products on behalf of another intermediary, such as an insurance broker. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779550981648\"><strong class=\"schema-faq-question\">Can an MIA offer life insurance contracts?<\/strong> <p class=\"schema-faq-answer\">Yes. Within the framework of their mandate, they can offer life insurance contracts, protection solutions or other wealth management solutions. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779550995685\"><strong class=\"schema-faq-question\">Must an MIA be registered with ORIAS?<\/strong> <p class=\"schema-faq-answer\">Yes. ORIAS registration is mandatory to legally carry out this activity. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779551010031\"><strong class=\"schema-faq-question\">What is the difference between an MIA and a broker?<\/strong> <p class=\"schema-faq-answer\">The broker acts more independently. The MIA operates under the responsibility of another intermediary who entrusts them with a mandate. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779551030646\"><strong class=\"schema-faq-question\">Why is this status common in wealth management?<\/strong> <p class=\"schema-faq-answer\">Because it allows wealth management advisors to distribute insurance solutions without immediately having an independent brokerage structure.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>An insurance intermediary agent (MIA) is a professional who carries out insurance distribution activities on behalf of another insurance intermediary, such as a broker or a main insurance agent.<\/p>\n","protected":false},"featured_media":17110,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categorie_lexique":[1400,1399],"class_list":["post-17109","lexique","type-lexique","status-publish","format-standard","has-post-thumbnail","hentry","categorie_lexique-regulation","categorie_lexique-statuses-regimes-and-stakeholders"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MIA: definition, role and ORIAS registration in insurance<\/title>\n<meta name=\"description\" content=\"Discover the role of the insurance intermediary agent (MIA), how it works, its regulatory obligations and its importance in wealth management.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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