# UTWIN Assurances

> Wholesale digital broker for borrower protection and health insurance in France

## At a glance

| Field | Value |
| --- | --- |
| Type | Broker |
| Region | EMEA |
| Headquarters | Lyon, France |
| Founded | 2015 |
| Stage | Established |
| Employees | 51-200 |

## Overview

UTWIN Assurances is a wholesale insurance broker (courtier souscripteur grossiste) based in Lyon, France, focused on borrower protection insurance (assurance emprunteur) and supplemental health insurance. The company operates as a B2B distribution intermediary, enabling over 4,000 broker partners across France to quote and place coverage through its proprietary UBOX digital platform.

Founded in 2015 by former April Group executives Patrick Petitjean and Martin Vancostenoble, UTWIN functions as a subsidiary of AssurOne Group. The company's product scope spans two lines: mortgage protection insurance -- serving borrowers who seek coverage outside the bank-bundled default -- and mutuelle sante, a supplemental health insurance product targeting individuals at various life stages.

UTWIN's platform differentiates by the end-to-end digital workflow it provides to broker partners. The UBOX tools eliminate paper-based processes and allow same-day digital subscription. Industry recognitions include the French Customer Service of the Year award (2024) and the Dossiers de l'Epargne Excellence label held continuously since 2019.

## Notable customers

- Insurance distribution \(independent brokers\)
- Mortgage and real estate advisory \(via broker partners\)
- Health and benefits advisory

## Links

- Website: <https://www.utwin.fr>
- Directory profile: <https://insurtechlist.com/companies/utwin/>
- Youtube: <https://www.youtube.com/channel/UCU7LZOXzINXOLTRi7GAkf4g>
- Facebook: <https://www.facebook.com/utwinassuranceemprunteur/>
- Linkedin: <https://www.linkedin.com/company/utwin-assurances>
- Broker portal: <https://espacecourtier.utwin.fr>

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*Last updated: 2026\-07\-04*