{"id":17176,"date":"2026-02-20T16:10:24","date_gmt":"2026-02-20T15:10:24","guid":{"rendered":"https:\/\/www.experts-du-patrimoine.fr\/definitions\/ias-insurance-intermediary\/"},"modified":"2026-08-08T10:17:30","modified_gmt":"2026-08-08T09:17:30","slug":"ias-insurance-intermediary","status":"publish","type":"lexique","link":"https:\/\/www.experts-du-patrimoine.fr\/en\/glossary\/ias-insurance-intermediary\/","title":{"rendered":"IAS (Insurance Intermediary)"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">In the field of wealth management, IAS play a central role because many wealth strategies rely on insurance solutions such as:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>life insurance;<\/li>\n\n\n\n<li>protection insurance;<\/li>\n\n\n\n<li>retirement contracts;<\/li>\n\n\n\n<li>borrower insurance;<\/li>\n\n\n\n<li>capitalization contracts.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">The IAS acts as an intermediary between the client and the insurance company.<\/p>\n\n<p class=\"wp-block-paragraph\">This category includes several types of regulated professionals:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/coa-insurance-broker\/\" type=\"lexique\" id=\"11687\">insurance brokers<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/aga-general-insurance-agent\/\" type=\"lexique\" id=\"11685\">general insurance agents<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/ia-insurance-agent\/\" type=\"lexique\" id=\"11694\">insurance agents<\/a>;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/mia-insurance-intermediary-agent\/\" type=\"lexique\" id=\"11692\">agents of insurance intermediaries<\/a>.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">All these stakeholders must comply with a precise regulatory framework.<\/p>\n\n<h2 class=\"wp-block-heading\">What is the role of an IAS in wealth management?<\/h2>\n\n<p class=\"wp-block-paragraph\">In wealth management, the IAS supports individuals and businesses in choosing insurance solutions suited to their wealth objectives.<\/p>\n\n<p class=\"wp-block-paragraph\">They can be involved in a wide range of issues:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>retirement planning;<\/li>\n\n\n\n<li>wealth transfer;<\/li>\n\n\n\n<li>tax optimization;<\/li>\n\n\n\n<li>family protection;<\/li>\n\n\n\n<li>wealth diversification;<\/li>\n\n\n\n<li>estate planning;<\/li>\n\n\n\n<li>additional income.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">With life insurance being one of the French\u2019s favorite investments, the role of IAS is particularly important in wealth management firms.<\/p>\n\n<p class=\"wp-block-paragraph\">The professional generally analyzes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the wealth situation;<\/li>\n\n\n\n<li>the client\u2019s objectives;<\/li>\n\n\n\n<li>their investment horizon;<\/li>\n\n\n\n<li>their risk level;<\/li>\n\n\n\n<li>their protection needs.<\/li>\n<\/ul>\n\n<section class=\"edp-key-figures\">\n\n\t<h2 class=\"edp-key-figures__title\">\n Insurance Intermediaries (IAS) in a few figures\n\t<\/h2>\n\n\t<p class=\"edp-key-figures__content\">\n Insurance Intermediaries (IAS) include brokers, general agents, insurance agents and agents of insurance intermediaries authorized to distribute insurance contracts. As of <strong>December 31, 2024<\/strong>, ORIAS listed <strong>62,110 IAS<\/strong> in France, of which <strong>60.6%<\/strong> operate as legal entities and <strong>39.4%<\/strong> as natural persons. IAS accounted for <strong>74,778 insurance registrations<\/strong>, including <strong>26,953 brokers<\/strong>, <strong>11,882 general agents<\/strong>, <strong>3,233 insurance agents<\/strong> and <strong>29,710 agents of insurance intermediaries<\/strong>. Registration with ORIAS is mandatory to carry out insurance intermediation activities.   \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\/static\/communications\/rapports\/Rapport_annuel_2024.pdf\" 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\/\" target=\"_blank\" rel=\"noopener noreferrer\">\n ACPR &#8211; Banque de France\n\t\t<\/a>\n\n\t<\/div>\n\n<\/section>\n\n<h2 class=\"wp-block-heading\">Which professionals are considered IAS?<\/h2>\n\n<p class=\"wp-block-paragraph\">The term IAS corresponds to an overarching regulatory category.<\/p>\n\n<p class=\"wp-block-paragraph\">Several statuses exist within insurance intermediaries:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>COA (Insurance Broker);<\/li>\n\n\n\n<li>AGA (General Insurance Agent);<\/li>\n\n\n\n<li>MA (Insurance Agent);<\/li>\n\n\n\n<li>MIA (Agent of an Insurance Intermediary).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In practice, many wealth management advisors combine several of these statuses in order to offer a comprehensive wealth offering.<\/p>\n\n<p class=\"wp-block-paragraph\">A CGP can therefore be both:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/categorie\/financial-investment-advisor-cif\/\">CIF<\/a> for financial advice;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/ias-insurance-intermediary\/\" type=\"lexique\" id=\"8801\">IAS<\/a> for insurance distribution;<\/li>\n\n\n\n<li><a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/cobsp-broker-in-banking-transactions-and-payment-services\/\" type=\"lexique\" id=\"11690\">COBSP<\/a> for financing solutions.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Why are IAS essential in wealth management?<\/h2>\n\n<p class=\"wp-block-paragraph\">Insurance is a major component of modern wealth strategies.<\/p>\n\n<p class=\"wp-block-paragraph\">IAS make it possible in particular to implement solutions related to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>building capital;<\/li>\n\n\n\n<li>estate transfer;<\/li>\n\n\n\n<li>retirement planning;<\/li>\n\n\n\n<li>spouse protection;<\/li>\n\n\n\n<li>tax management of wealth;<\/li>\n\n\n\n<li>financial investment via life insurance.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In wealth management firms, IAS status is often an essential foundation for effectively supporting clients.<\/p>\n\n<p class=\"wp-block-paragraph\">It makes it possible to integrate insurance solutions into a holistic wealth approach.<\/p>\n\n<h2 class=\"wp-block-heading\">Do IAS have to be registered with ORIAS?<\/h2>\n\n<p class=\"wp-block-paragraph\">Yes. All insurance intermediaries must be registered with <a href=\"https:\/\/www.experts-du-patrimoine.fr\/en\/lexicon\/orias\/\" type=\"lexique\" id=\"3131\">ORIAS<\/a>. <\/p>\n\n<p class=\"wp-block-paragraph\">This registration makes it possible in particular to verify:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>the professional\u2019s regulatory status;<\/li>\n\n\n\n<li>their authorizations;<\/li>\n\n\n\n<li>the validity of their activity;<\/li>\n\n\n\n<li>certain mandatory guarantees;<\/li>\n\n\n\n<li>their regulatory compliance.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Before any major wealth subscription, <a href=\"https:\/\/www.experts-du-patrimoine.fr\/annuaire-gestion-de-patrimoine\/gestion-de-patrimoine\/comment-verifier-quun-conseiller-en-gestion-de-patrimoine-est-fiable\/\">it is recommended to check the professional\u2019s ORIAS registration<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\">What regulations govern IAS?<\/h2>\n\n<p class=\"wp-block-paragraph\">IAS are subject to the French Insurance Code as well as the European Insurance Distribution Directive (IDD).<\/p>\n\n<p class=\"wp-block-paragraph\">In particular, they must:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>comply with advisory obligations;<\/li>\n\n\n\n<li>analyze the client\u2019s needs;<\/li>\n\n\n\n<li>provide transparent information;<\/li>\n\n\n\n<li>specify their remuneration method;<\/li>\n\n\n\n<li>act in the client\u2019s best interests.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">In the wealth sector, these obligations are particularly important because the products offered can have significant financial and tax consequences over the long term.<\/p>\n\n<h2 class=\"wp-block-heading\">Why use an IAS?<\/h2>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.experts-du-patrimoine.fr\/societes\/\">Using an IAS<\/a> can provide professional support in choosing insurance solutions suited to your wealth strategy.<\/p>\n\n<p class=\"wp-block-paragraph\">In particular, the professional can help to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>choose a life insurance contract;<\/li>\n\n\n\n<li>prepare an estate;<\/li>\n\n\n\n<li>protect your loved ones;<\/li>\n\n\n\n<li>optimize the taxation of your savings;<\/li>\n\n\n\n<li>structure a retirement strategy;<\/li>\n\n\n\n<li>diversify your wealth.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">As part of <a href=\"https:\/\/www.experts-du-patrimoine.fr\/gestion-de-patrimoine\/\">holistic wealth management<\/a>, insurance solutions now play an essential role.<\/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-1779555967083\"><strong class=\"schema-faq-question\">What is an IAS?<\/strong> <p class=\"schema-faq-answer\">An IAS is an Insurance Intermediary. They distribute or advise on insurance contracts for individuals and businesses. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779555986311\"><strong class=\"schema-faq-question\">Which professionals are considered IAS?<\/strong> <p class=\"schema-faq-answer\">Insurance brokers, general agents, agents and agents of insurance intermediaries are part of the IAS category.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779555999628\"><strong class=\"schema-faq-question\">Why are IAS important in wealth management?<\/strong> <p class=\"schema-faq-answer\">Because life insurance and insurance solutions play a central role in wealth strategies.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779556012295\"><strong class=\"schema-faq-question\">Can a wealth management advisor be an IAS?<\/strong> <p class=\"schema-faq-answer\">Yes. Many CGP have IAS status in order to offer life insurance or protection insurance contracts. <\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The term IAS stands for &#8220;Interm\u00e9diaire en Assurances&#8221; (Insurance Intermediary). It refers to all professionals authorized to distribute, offer, or advise on insurance contracts.  <\/p>\n","protected":false},"featured_media":17177,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categorie_lexique":[1400,1399],"class_list":["post-17176","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>IAS: definition and role of the insurance intermediary<\/title>\n<meta name=\"description\" content=\"Find out what an IAS (Insurance Intermediary) is, its role in wealth management, and the regulatory obligations associated with this activity.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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