Crédit Agricole Assurances Launches Oriance, a New Life Insurance Contract
Crédit Agricole Assurances introduces Oriance, a natively digital life insurance offering designed to simplify access to savings and retirement planning. Available since February 23, 2026, this solution targets the entire individual client base of the Regional Banks.
Introduction of Oriance
Oriance is structured around two plans — Essential starting at €300 and Premium starting at €5,000 — providing access to major asset classes from euro funds to unit-linked accounts. The contract offers a fully digital subscription path, mobile first, accessible via the Ma Banque app or the online client area, while still retaining the option of in-branch support from advisors at the Regional Banks. Clients can choose between fully autonomous management or advisor support according to their needs. This offer replaces the Prédissime 9 Series 2 and Floriane 2 contracts, which were closed to new subscribers in the first quarter of 2026.
Pricing and Investment Universe
Oriance features harmonized pricing with management fees capped at 0.80% maximum excluding mandate for arbitration, with free and unlimited arbitrations. Entry fees are set at 0% for any operation carried out in selfcare until December 31, 2026. The investment universe includes nearly 50 unit-linked supports for the Essential formula and about 150 for the Premium formula, enriched with new Amundi supports including ETFs, non-listed asset funds, and a responsible range. Three management modes are offered: free management, advised management, or arbitration mandate delegating selection and arbitration to Amundi experts.
