Filiassur

Filiassur Insurance Review: A Comprehensive Guide

Overview

Filiassur, established in 2008, stands as a pioneer in France's insurance market. It was the first company to offer a comprehensive range of life insurance products exclusively through distance selling, primarily over the phone [1, 2]. This innovative approach has allowed Filiassur to reach a broader customer base and establish itself as a leader in the sector, known particularly for its user-friendly interface and competitive pricing [1, 2]. The company's success is built on a foundation of providing accessible and affordable life insurance solutions without the need for extensive medical examinations [1, 2]. Beyond its initial offering, Filiassur has expanded its services, showcasing its robust capabilities in the French insurance landscape.

A key milestone in Filiassur's development is the extensive range of powers delegated to it by insurers. This includes comprehensive responsibilities, encompassing product structuring, distribution networks, payment collection procedures, policy management, claims processing, and even compensation handling [1]. This high degree of autonomy demonstrates the significant trust placed in Filiassur by its partner insurers, further solidifying its position within the industry.

Regulatory Compliance and Licenses

Filiassur operates with full regulatory compliance. It is a Simplified Joint-Stock Company (SAS) with a capital of €37,500, registered with the Paris Trade and Companies Register (RCS) under number 498 850 445 [2, 4]. Furthermore, it holds registration with the Orientation and Registry of Insurance Intermediaries (ORIAS) under number 07 031 054 [2, 4]. This dual registration highlights its commitment to transparency and accountability. Importantly, Filiassur operates under the strict supervision of the Prudential Control and Resolution Authority (ACPR) [2, 4], ensuring adherence to the highest standards of financial regulation and consumer protection.

Insurance Products and Services

Main Insurance Products

Filiassur offers a diverse portfolio of insurance products designed to protect individuals against various life events. Their primary focus lies in life insurance, but their offerings extend to several crucial areas [2]. These include hospitalization insurance, providing financial support during medical stays; dependency insurance, addressing the potential costs associated with long-term care; loss of employment insurance, offering a safety net during periods of unemployment; accident insurance, covering unforeseen accidents and their financial ramifications; and, fundamentally, death insurance, providing financial security for beneficiaries [2].

The life insurance policies are particularly noteworthy. They are meticulously designed to mitigate the financial burdens that can arise from various unforeseen circumstances, including hospitalization expenses, accidental injuries, the need for long-term care due to dependency, and ultimately, death [1, 2]. This comprehensive approach reflects Filiassur's commitment to providing holistic financial security.

Additional Services

Beyond its core insurance offerings, Filiassur provides valuable additional services aimed at enhancing the customer experience and providing support throughout the policy lifecycle. These services include dedicated claims assistance, guiding customers through the process and ensuring smooth resolution [2]. They also offer support to clients during challenging times, recognizing the emotional and practical difficulties that can arise when facing unforeseen events. This emphasis on comprehensive customer support further underscores Filiassur's dedication to building strong client relationships.

Premiums and Pricing

Pricing Structure

Filiassur distinguishes itself through its commitment to affordability and competitive pricing. Their premium rates are designed to be accessible without compromising coverage [1, 2]. A key differentiator is their policy of not requiring medical examinations, making insurance more readily available to a wider population [1, 2]. This eliminates a common barrier to entry for many individuals and families seeking affordable insurance solutions.

Discounts and Special Offers

While specific, permanent discounts aren't explicitly detailed in readily available sources, Filiassur consistently employs dynamic pricing strategies. [2] This means customers may encounter promotional deals and limited-time offers [2]. To find the most current information on any special deals, it is advisable to visit the Filiassur website or contact their customer service directly.

Customer Service and Support

Contact Methods

Filiassur prioritizes accessible customer service. They offer multiple convenient contact methods, including telephone support, email communication, and live chat options [4]. This multi-channel approach ensures that customers can choose the communication method best suited to their needs and preferences.

Availability of 24/7 Support and Multilingual Assistance

While Filiassur provides excellent customer service during standard business hours (Monday to Friday, 8:30 AM to 6:30 PM, and Saturdays, 9:00 AM to 2:00 PM) [4], 24/7 support isn't currently advertised. However, they do offer multilingual assistance, catering to a diverse customer base [4]. The availability of multiple languages demonstrates a commitment to inclusivity and accessibility for a broad range of clients.

Pros and Cons of Filiassur Insurance

Pros

Filiassur presents several compelling advantages for potential clients. Its competitive premiums make insurance more accessible to a wider segment of the population [1, 2]. The comprehensive nature of their coverage provides substantial financial protection against a range of life events [1, 2]. Furthermore, the absence of medical examinations simplifies the application process and removes a significant barrier for many individuals seeking life insurance [1, 2]. Finally, Filiassur is known for its excellent claims handling process and prioritization of client satisfaction [2].

Cons

While Filiassur offers many benefits, potential drawbacks should be considered. Information on specific cons is limited in publicly available resources. As with any insurance provider, there may be limitations on specific coverage areas or certain aspects of the administrative processes [1, 2]. Thorough research and a careful review of policy details are essential before committing to any insurance plan.

Conclusion

Filiassur emerges as a reputable and accessible insurance broker specializing in the distance-selling of life insurance. Its focus on affordability, comprehensive coverage, and streamlined processes makes it an attractive option for many. The company’s commitment to client satisfaction and efficient claims handling further solidifies its positive reputation [1, 2].

Filiassur's insurance offerings are particularly well-suited for individuals and families seeking affordable and comprehensive life insurance without the requirement of medical examinations [1, 2]. This makes it a valuable option for those who may otherwise find accessing adequate insurance challenging.

Frequently Asked Questions about Filiassur Insurance

For detailed answers to specific questions about Filiassur's policies, claims procedures, and other aspects of their services, the best resource is the Filiassur website itself [4]. Their website offers a wealth of information, and their dedicated customer service team is readily available to address any inquiries you may have.

Key Points Summary:

• Established in 2008, Filiassur is a leader in distance-selling life insurance.
• Offers competitive premiums and comprehensive coverage with no medical selection required.
• Provides various insurance products, including life, hospitalization, dependency, and accident insurance.
• Offers multiple customer service channels: phone, email, and live chat.
• Operates under strict regulatory compliance with the ACPR and ORIAS.
• Ideal for individuals seeking affordable and accessible life insurance solutions.

References

1. https://www.initiative-finance.com/en/participation/filiassur-2/
2. https://filiassur.fr
3. https://filiassur.fr/question/comment-obtenir-des-informations-sur-mon-contrat/