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<title>Qui sommes-nous ? - Monceau Assurances</title><link rel="preload" data-rocket-preload as="image" href="https://www.monceauassurances.com/wp-content/uploads/2023/12/Qui-sommes-nous-1.png" fetchpriority="high">
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<meta property="og:description" content="Qui sommes-nous ? Le groupe Monceau Assurances est un ensemble mutualiste qui fédère plusieurs sociétés d’assurance mutuelle, servant plus de 300 000 sociétaires et clients. Présent en France, au Luxembourg et en Belgique, le groupe s’appuie sur 470 collaborateurs et un réseau de 80 agences générales pour offrir des solutions d’assurance adaptées aux besoins de […]" />
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<ul id="menu-menu-principal" class="ue-menu"><li id="menu-item-16" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-16"><a href="#">Je souhaite</a>
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<ul class="sub-menu">
<li id="menu-item-30" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-30"><a href="https://www.monceauassurances.com/assurance-vie/"><img width="300" height="300" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/Assurance-vie-Vfinale_Plan-de-travail-1.svg" class="attachment-medium size-medium" alt="" decoding="async" />Assurance vie →<span class="menu-item-description">Découvrez notre contrat d’épargne</span></a></li>
<li id="menu-item-6138" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-6138"><a href="https://www.monceauassurances.com/performance-des-fonds/"><img width="300" height="300" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/Performance-des-fonds-V01_Plan-de-travail-1.svg" class="attachment-medium size-medium" alt="" decoding="async" />Performance des fonds →<span class="menu-item-description">Suivez la performance de nos supports d’investissement</span></a></li>
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<p>Le <strong>groupe Monceau Assurances</strong> est un ensemble mutualiste qui fédère plusieurs sociétés d’assurance mutuelle, servant plus de <strong>300 000 sociétaires et clients</strong>. Présent en <strong>France, au Luxembourg et en Belgique</strong>, le groupe s’appuie sur <strong>470 collaborateurs</strong> et un réseau de <strong>80 agences générales</strong> pour offrir des solutions d’assurance adaptées aux besoins de ses assurés.</p> </div>
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<h2 class="elementor-heading-title elementor-size-default">L'histoire du groupe Monceau Assurances</h2> </div>
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<div class="monceau-timeline-first-slide" data-hash="2025">
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<div class="monceau-timeline-first-slide-content-date">2025</div>
<div class="monceau-timeline-first-slide-content-text">Monceau Multifonds, contrat d'assurance vie multisupport, obtient pour la première fois un Oscar Gestion de Fortune </div>
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<div class="monceau-timeline-first-slide" data-hash="2024">
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<div class="monceau-timeline-first-slide-content-date">2024</div>
<div class="monceau-timeline-first-slide-content-text">Dynavie récompensé par un Trophée d'Or du Revenu, un Oscar Gestion de Fortune et un grand prix Assurance Vie mention Bien Mieux Vivre Votre Argent</div>
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<div class="monceau-timeline-first-slide" data-hash="2023">
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<div class="monceau-timeline-first-slide-content-date">2023</div>
<div class="monceau-timeline-first-slide-content-text">Challenges et Retraite.com décernent le Label du « Meilleur conseil épargne 2023 » au Groupe dans la catégorie « Assureurs »</div>
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<div class="monceau-timeline-first-slide" data-hash="2022">
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<div class="monceau-timeline-first-slide-content-date">2022</div>
<div class="monceau-timeline-first-slide-content-text">Dynavie distingué par un Trophée d’or du Revenu, un Oscar Gestion de Fortune, un Label d’excellence des Dossiers de l’épargne et une mention bien de Mieux Vivre Votre Argent</div>
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<div class="monceau-timeline-first-slide" data-hash="2021">
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<div class="monceau-timeline-first-slide-content-date">2021</div>
<div class="monceau-timeline-first-slide-content-text">Création d’un nouveau contrat d'assurance vie multisupport en unités de compte, Monceau Multifonds, incluant des fonds immobiliers</div>
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<div class="monceau-timeline-first-slide" data-hash="2020">
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<div class="monceau-timeline-first-slide-content-date">2020</div>
<div class="monceau-timeline-first-slide-content-text">Création de Monceau Retraite, Plan d'Epargne Retraite (PER) en points</div>
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<div class="monceau-timeline-first-slide" data-hash="2017">
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<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">2017</div>
<div class="monceau-timeline-first-slide-content-text">Monceau Assurances crée deux nouveaux contrats multisupports en unités de compte, Dynaxion et Dynalux, qui offrent à la clientèle de nombreux atouts technologiques</div>
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<div class="monceau-timeline-first-slide" data-hash="2015">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2015.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2015.png"></noscript>
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<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">2015</div>
<div class="monceau-timeline-first-slide-content-text">Acquisition de Vitis Life, filiale d'assurance vie luxembourgeoise de la banque KBL epb
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<div class="monceau-timeline-first-slide" data-hash="2012">
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<div class="monceau-timeline-first-slide-content-date">2012</div>
<div class="monceau-timeline-first-slide-content-text">Création de Monceau Euro Risk (réassurance) à Luxembourg
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<div class="monceau-timeline-first-slide" data-hash="2004">
<div class="monceau-timeline-first-slide-img">
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<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">2004</div>
<div class="monceau-timeline-first-slide-content-text">Monceau Générale Assurances (MGA) quitte Blois pour s’installer dans ses nouveaux locaux à Vendôme située dans le Loir-et-Cher</div>
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</div>
<div class="monceau-timeline-first-slide" data-hash="2002">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2002.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2002.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">2002</div>
<div class="monceau-timeline-first-slide-content-text">Création de Monceau Retraite & Épargne (MR&É), société anonyme dédiée à
l’assurance vie et à la retraite
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="2001">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2001-1.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/2001-1.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">2001</div>
<div class="monceau-timeline-first-slide-content-text">Création de Monceau Générale Assurances (MGA) par transfert du portefeuille de contrats de la Mutuelle Générale d’Assurance
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1998">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1998.jpg"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1998.jpg"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1998</div>
<div class="monceau-timeline-first-slide-content-text">Pour succéder au régime complémentaire de retraite (RCR), Monceau Assurances crée le Fonds Acti Retraite et le Fonrea, des contrats adaptés à la situation personnelle de chacun</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1997">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1997.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1997.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1997</div>
<div class="monceau-timeline-first-slide-content-text">Création du contrat multisupport Dynavie, contrat ayant obtenu le trophée de la meilleure performance sur 20 ans de 2017 à 2021 (Le Revenu)</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1994">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1994-1.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1994-1.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1994</div>
<div class="monceau-timeline-first-slide-content-text">MGA (Mutuelle Générale d’assurances),
née de la fusion de la Mutuelle de Loir-et-Cher, de la Mer et de la Mutuelle de Lyon, rejoint Monceau Assurances
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1992">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1992-1.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1992-1.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1992</div>
<div class="monceau-timeline-first-slide-content-text">Les deux entités fusionnent pour donner naissance à Capma & Capmi, aujourd’hui société d’assurance
mutuelle vie labellisée Monceau Assurances
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1991">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1991.jpg"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1991.jpg"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1991</div>
<div class="monceau-timeline-first-slide-content-text">Création du Carnet Multi Épargne, contrat
multisupport pour lequel aujourd’hui plus d’un milliard d’euros d’encours sont gérés</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1976">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1976.jpg"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/12/1976.jpg"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1976</div>
<div class="monceau-timeline-first-slide-content-text">Naissance de la Caisse d’Assurance et de Prévoyance Mutuelle Interprofessionnelle (Capmi)
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1969">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1969.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1969.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1969</div>
<div class="monceau-timeline-first-slide-content-text">Création du Carnet d’Épargne, contrat à taux majoré d’une durée de 10 ans, réservé à ses adhérents au régime de retraite et qui gère encore plus de 450 millions d’euros d’encours
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1962">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1962.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1962.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1962</div>
<div class="monceau-timeline-first-slide-content-text">Installation rue de Monceau à Paris</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1955">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1955.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1955.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1955</div>
<div class="monceau-timeline-first-slide-content-text">Naissance de la Caisse d’Assurance et de Prévoyance Mutuelle Agricole (Capma) à Alger
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1907">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1907.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1907.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1907</div>
<div class="monceau-timeline-first-slide-content-text">Naissance de la Caisse Centrale de la Mutualité Agricole d’Afrique du Nord
</div>
</div>
</div>
<div class="monceau-timeline-first-slide" data-hash="1821">
<div class="monceau-timeline-first-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1821.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2023/11/1821.png"></noscript>
</div>
<div class="monceau-timeline-first-content">
<div class="monceau-timeline-first-slide-content-date">1821</div>
<div class="monceau-timeline-first-slide-content-text">Création de la Mutuelle de Loir-et-Cher</div>
</div>
</div>
</div>
<div class="monceau-timeline-second" id="sync2">
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2025">2025</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2024">2024</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2023">2023</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2022">2022</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2021">2021</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2020">2020</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2017">2017</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2015">2015</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2012">2012</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2004">2004</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2002">2002</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#2001">2001</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1998">1998</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1997">1997</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1994">1994</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1992">1992</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1991">1991</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1976">1976</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1969">1969</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1962">1962</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1955">1955</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1907">1907</a>
</div>
<div class="monceau-timeline-second">
<a class="monceau-timeline-second-date" href="#1821">1821</a>
</div>
</div>
</div>
<!-- end Monceau Timeline --> </div>
</div>
</div>
</div>
<div class="elementor-element elementor-element-cfe9749 e-flex e-con-boxed e-con e-parent" data-id="cfe9749" data-element_type="container" data-settings="{"background_background":"classic"}">
<div class="e-con-inner">
<div class="elementor-element elementor-element-42135b7 elementor-widget elementor-widget-heading" data-id="42135b7" data-element_type="widget" data-widget_type="heading.default">
<div class="elementor-widget-container">
<h2 class="elementor-heading-title elementor-size-default">Notre raison d'être</h2> </div>
</div>
</div>
</div>
<div class="elementor-element elementor-element-26ae40a e-flex e-con-boxed e-con e-parent" data-id="26ae40a" data-element_type="container" data-settings="{"background_background":"classic"}">
<div class="e-con-inner">
<div class="elementor-element elementor-element-2f93e66 e-con-full e-flex e-con e-child" data-id="2f93e66" data-element_type="container">
<div class="elementor-element elementor-element-0973940 e-con-full e-flex e-con e-child" data-id="0973940" data-element_type="container">
<div class="elementor-element elementor-element-b50ba74 elementor-widget elementor-widget-text-editor" data-id="b50ba74" data-element_type="widget" data-widget_type="text-editor.default">
<div class="elementor-widget-container">
<p>Dans une société où priment souvent l’individualisme et l’immédiateté, Monceau Assurances donne tout son sens, toute sa valeur, toute sa force au collectif, au savoir-faire et au temps long, en vous plaçant au cœur de sa mission d’assureur mutualiste.</p> </div>
</div>
<div class="elementor-element elementor-element-1c2ac87 elementor-widget elementor-widget-heading" data-id="1c2ac87" data-element_type="widget" data-widget_type="heading.default">
<div class="elementor-widget-container">
<div class="elementor-heading-title elementor-size-default">Notre promesse</div> </div>
</div>
<div class="elementor-element elementor-element-b60d1cf elementor-widget elementor-widget-text-editor" data-id="b60d1cf" data-element_type="widget" data-widget_type="text-editor.default">
<div class="elementor-widget-container">
<h5>Entre nous, un engagement, un accompagnement, un chemin partagé, durablement.</h5> </div>
</div>
</div>
</div>
<div class="elementor-element elementor-element-3df52c0 e-con-full e-flex e-con e-child" data-id="3df52c0" data-element_type="container">
<div class="elementor-element elementor-element-514a983 elementor-widget elementor-widget-image" data-id="514a983" data-element_type="widget" data-widget_type="image.default">
<div class="elementor-widget-container">
<img fetchpriority="high" decoding="async" width="724" height="483" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20724%20483'%3E%3C/svg%3E" class="attachment-large size-large wp-image-10831" alt="" data-lazy-srcset="https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601.jpg 724w, https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601-300x200.jpg 300w" data-lazy-sizes="(max-width: 724px) 100vw, 724px" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601.jpg" /><noscript><img fetchpriority="high" decoding="async" width="724" height="483" src="https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601.jpg" class="attachment-large size-large wp-image-10831" alt="" srcset="https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601.jpg 724w, https://www.monceauassurances.com/wp-content/uploads/2025/01/iStock-1724593601-300x200.jpg 300w" sizes="(max-width: 724px) 100vw, 724px" /></noscript> </div>
</div>
</div>
</div>
</div>
<div class="elementor-element elementor-element-9f61b39 e-flex e-con-boxed e-con e-parent" data-id="9f61b39" data-element_type="container" data-settings="{"background_background":"classic"}">
<div class="e-con-inner">
<div class="elementor-element elementor-element-5594e63 e-con-full e-flex e-con e-child" data-id="5594e63" data-element_type="container">
<div class="elementor-element elementor-element-2ce7db0 elementor-widget elementor-widget-heading" data-id="2ce7db0" data-element_type="widget" data-widget_type="heading.default">
<div class="elementor-widget-container">
<h2 class="elementor-heading-title elementor-size-default">Une diversification géographique</h2> </div>
</div>
<div class="elementor-element elementor-element-918f09d elementor-widget elementor-widget-text-editor" data-id="918f09d" data-element_type="widget" data-widget_type="text-editor.default">
<div class="elementor-widget-container">
<p>Monceau Assurances s’appuie sur plus de 440 collaborateurs répartis sur toute la France et à l’étranger, et sur ses sites d’exploitation de Paris, Vendôme, Luxembourg et Namur, qui distribuent ses contrats d’assurance vie, de retraite et toute la gamme assurance de dommages, par l’intermédiaire d’un réseau salarié privilégié et exclusif (9 délégations et un réseau de conseillers patrimoniaux sur l’ensemble du territoire), mais également via un réseau d’agents généraux, Monceau Assur’agence, au travers de près de 80 points de vente.</p> </div>
</div>
</div>
<div class="elementor-element elementor-element-a032011 elementor-widget elementor-widget-ucaddon_monceau_implantation" data-id="a032011" data-element_type="widget" data-widget_type="ucaddon_monceau_implantation.default">
<div class="elementor-widget-container">
<!-- start Monceau Implantation -->
<div class="monceau-implantation">
<div class="monceau-implantation-slider owl-carousel owl-theme">
<div class="monceau-implantation-slide" id="uc_monceau_implantation_elementor_a032011_item1">
<div class="monceau-implantation-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-3-site-dexploitation-V04.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-3-site-dexploitation-V04.png"></noscript>
</div>
<div class="monceau-implantation-slide-content">
<div class="monceau-implantation-slide-title">4 sites d'exploitation</div>
<div class="monceau-implantation-slide-texte">Monceau Assurances et ses mutuelles associées sont implantées en France (Paris et Vendôme), au Luxembourg et en Belgique.</div>
</div>
</div>
<div class="monceau-implantation-slide" id="uc_monceau_implantation_elementor_a032011_item2">
<div class="monceau-implantation-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-440-collaborateur-V04.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-440-collaborateur-V04.png"></noscript>
</div>
<div class="monceau-implantation-slide-content">
<div class="monceau-implantation-slide-title">440 collaborateurs</div>
<div class="monceau-implantation-slide-texte">Monceau Assurances attache une grande importance aux compétences et au savoir-faire de ses collaborateurs. Le groupe s’appuie sur des experts pour répondre aux besoins de ses sociétaires et clients afin de leur apporter des conseils personnalisés dans de très nombreux domaines : épargne, fiscalité, succession, gestion de patrimoine, retraite et toute la gamme assurance de dommages (auto, habitation, risques professionnels…). </div>
</div>
</div>
<div class="monceau-implantation-slide" id="uc_monceau_implantation_elementor_a032011_item3">
<div class="monceau-implantation-slide-img">
<img decoding="async" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%200%200'%3E%3C/svg%3E" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-9-delegations-V04.png"><noscript><img decoding="async" src="https://www.monceauassurances.com/wp-content/uploads/2024/01/Carte-France-9-delegations-V04.png"></noscript>
</div>
<div class="monceau-implantation-slide-content">
<div class="monceau-implantation-slide-title">9 délégations régionales</div>
<div class="monceau-implantation-slide-texte">La Fédération nationale des groupements de retraite et prévoyance (Fngrp), dont le siège social est à Paris, regroupe toutes les activités des Opérations Vie et le réseau commercial salarié présent sur toute la France. Ce réseau distribue des régimes de retraites en points et des contrats d’assurance vie à travers Capma & Capmi.
Forte d’une présence très développée au niveau local et attachée au développement de la vie mutualiste, GIE du groupe spécialisé dans la gestion et la distribution de produits d’assurances de personnes, la Fngrp sait s’appuyer sur ses collaborateurs et les structures associatives locales de pour permettre d’élargir son sociétariat et de diffuser ses produits.
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<div class="monceau-implantation-slide-title">80 agences générales</div>
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Monceau Assur’agence est le réseau commun d’agents généraux qui distribue les contrats des sociétés Monceau Générale Assurances (MGA), spécialisée en assurance de dommages et responsabilité civile, et Monceau Retraite & Epargne (MR&E), dédiée à l’assurance vie et la retraite.
Les agences générales déclinent des solutions pour tous les besoins en assurance pour les particuliers, les professionnels (commerçants, artisans, agriculteurs) et les petites et moyennes entreprises. Au quotidien, nos 80 agences générales implantées en région Centre, sur l’Ouest et le Sud-Ouest, en Rhône Alpes, Paca et le Nord, exercent leur métier autour de 6 engagements que sont la Proximité, l’Ecoute, l’Efficacité, la Compétitivité, la Qualité, et les Services.</div>
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<div class="monceau-implantation-slide-title">1 réseau de Conseil Patrimonial</div>
<div class="monceau-implantation-slide-texte">Monceau Patrimoine Conseil (MPC), société de gestion patrimoniale de Monceau Assurances, créée en 2018, s’appuie sur l’expertise de ses ingénieurs et conseillers patrimoniaux salariés et des outils adaptés à la gestion de patrimoine pour accompagner une clientèle avertie en lui donnant accès à des solutions d’épargne haut de gamme sophistiquées et sur-mesure.</div>
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<h2 class="elementor-heading-title elementor-size-default">Une gamme qui couvre tous les besoins en assurance</h2> </div>
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<p>Monceau Assurances a récemment regroupé plusieurs de ses entités dans une <strong>Société de Groupe d’Assurance Mutuelle (SGAM)</strong>, autorisée par l’ACPR en décembre 2024. Cette structure vise à renforcer les liens entre ses principales entités, notamment <strong>Capma & Capmi</strong>, et la <strong>Mutuelle Centrale de Réassurance (MCR)</strong>, permettant un accroissement des synergies et une solidité financière accrue.</p><p>Grâce à son <strong>organisation mutualiste moderne</strong>, son <strong>ancrage territorial</strong> et la <strong>diversification de ses métiers</strong>, Monceau Assurances continue d’évoluer pour répondre aux <strong>défis du secteur</strong> tout en préservant ses <strong>valeurs fondamentales</strong>.</p> </div>
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<div class="elementor-heading-title elementor-size-default">En France</div> </div>
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<p>Monceau Assurances propose une gamme diversifiée de produits d’assurance :</p><ul><li><strong style="background-color: transparent;">Assurance vie, épargne et retraite</strong><span style="background-color: transparent;"> : portée par </span><strong style="background-color: transparent;">Capma & Capmi et MRE</strong><span style="background-color: transparent;">, cette activité inclut des </span><strong style="background-color: transparent;">contrats de rente viagère</strong><span style="background-color: transparent;">, des </span><strong style="background-color: transparent;">régimes de retraite en points gérés par capitalisation</strong><span style="background-color: transparent;">, ainsi qu’une gamme de </span><strong style="background-color: transparent;">produits d’assurance vie et d’épargne</strong><span style="background-color: transparent;">, dont certains sont régulièrement primés.</span></li><li><strong>Assurances de dommages (IARD)</strong> : proposées par <strong>Monceau Générale Assurances (MGA)</strong>, ces assurances couvrent les domaines de <strong>l’automobile, de l’habitation, de la santé, de la protection juridique et des accidents de la vie</strong>.</li><li><strong>Réassurance</strong> : assurée par la <strong>Mutuelle Centrale de Réassurance (MCR)</strong>, cette activité permet de diversifier les risques du groupe et de fédérer des mutuelles associées.</li></ul> </div>
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<div class="elementor-heading-title elementor-size-default">Présence internationale</div> </div>
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<p>Au-delà de la France, Monceau Assurances est présent au <strong>Luxembourg</strong> au travers de plusieurs structures, dont <strong>Vitis Life</strong>, spécialisée dans les <strong>solutions patrimoniales haut de gamme en assurance vie</strong>. En <strong>Belgique</strong>, le groupe est représenté par <strong>Aedes</strong>, un <strong>intermédiaire d’assurance</strong>, qui distribue des produits d’assurance non-vie à des<strong> courtiers indépendants</strong>.</p> </div>
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<h2 class="elementor-heading-title elementor-size-default">Un niveau de fonds propres exceptionnel</h2> </div>
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<div class="elementor-heading-title elementor-size-default">Une structure financière très solide
et renforcée d’année en année</div> </div>
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<p>Le groupe gère aujourd’hui près de <strong>11 milliards d’euros d’actifs</strong> et dispose de <strong>fonds propres solides</strong>, reflétant une <strong>structure financière robuste</strong>. Cette solidité financière permet à Monceau Assurances de continuer à <strong>innover et à servir ses sociétaires</strong> et clients avec des solutions adaptées à leurs besoins.</p>
<p>Les fonds propres représentent plus d’un quart, (28 %) des provisions techniques nettes de réassurance et hors provisions en unités de compte. Ce ratio, exceptionnellement élevé dans notre secteur professionnel, confirme la qualité et la solidité du bilan combiné de Monceau Assurances.</p> </div>
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<div class="elementor-heading-title elementor-size-default">milliard d’euros de fonds propres comptables</div> </div>
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<div class="elementor-heading-title elementor-size-default">11</div> </div>
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<div class="elementor-heading-title elementor-size-default">milliards d’euros d’actifs gérés</div> </div>
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<img decoding="async" width="513" height="573" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20513%20573'%3E%3C/svg%3E" class="attachment-large size-large wp-image-3028" alt="" data-lazy-srcset="https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres.png 513w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres-269x300.png 269w" data-lazy-sizes="(max-width: 513px) 100vw, 513px" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres.png" /><noscript><img decoding="async" width="513" height="573" src="https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres.png" class="attachment-large size-large wp-image-3028" alt="" srcset="https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres.png 513w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Un-niveau-de-fonds-propres-269x300.png 269w" sizes="(max-width: 513px) 100vw, 513px" /></noscript> </div>
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<h2 class="elementor-heading-title elementor-size-default">Immobilier : une valorisation du patrimoine<br /> à long terme
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<img decoding="async" width="791" height="665" src="data:image/svg+xml,%3Csvg%20xmlns='http://www.w3.org/2000/svg'%20viewBox='0%200%20791%20665'%3E%3C/svg%3E" class="attachment-large size-large wp-image-2977" alt="" data-lazy-srcset="https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais.png 791w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais-300x252.png 300w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais-768x646.png 768w" data-lazy-sizes="(max-width: 791px) 100vw, 791px" data-lazy-src="https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais.png" /><noscript><img loading="lazy" decoding="async" width="791" height="665" src="https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais.png" class="attachment-large size-large wp-image-2977" alt="" srcset="https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais.png 791w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais-300x252.png 300w, https://www.monceauassurances.com/wp-content/uploads/2023/12/Rue-de-Calais-768x646.png 768w" sizes="(max-width: 791px) 100vw, 791px" /></noscript> </div>
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<p>Capma & Capmi s’appuie sur deux Sociétés Civiles Immobilières (SCI), Monceau Investissements Immobiliers (MII) et la Société Civile Centrale Monceau (SCCM), dont le patrimoine est constitué principalement d’immeubles de bureaux (98 % du patrimoine), répartis géographiquement en trois parts relativement équivalentes entre Paris, l’Ile-de France, et autres régions.</p><p>Avec pour mission de servir des performances les plus régulières possibles sur les produits d’épargne et d’offrir un potentiel de revalorisation à long terme pour optimiser les rentes servies aux souscripteurs de contrats de retraite, le patrimoine immobilier est conçu et géré pour constituer un rempart contre l’inflation. A long terme, le rendement et la valorisation d’un patrimoine de bureaux apparaissent comme plus sécurisés, moins sensibles aux aléas économiques et réglementaires.</p><p> </p> </div>
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<div class="elementor-heading-title elementor-size-default">SCCM, le placement immobilier privilégié de la retraite du groupe</div> </div>
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<p>Support immobilier de la retraite des sociétés vie du groupe, SCCM investit dans des immeubles avec des perspectives de valorisation à long terme plutôt que le dégagement de revenus courants plus immédiats.</p><p>Le patrimoine compte 33 adresses, pour une surface totale de 100.018 m2.</p><ul><li>21 immeubles à Paris (dont deux immeubles d’habitation), pour une surface totale de 60.359 m2.</li><li>2 immeubles en région parisienne, pour une surface totale de 9.090 m2.</li><li>10 immeubles de bureaux en Province et dans les départements ultra-marins, pour une surface totale de 30.569 m2.</li></ul> </div>
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<div class="elementor-heading-title elementor-size-default">MII, le support immobilier des unités de compte en assurance vie</div> </div>
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<p>En adéquation avec la stratégie poursuivie, qui privilégie la recherche de revenus à distribuer aux sociétaires fidèles, et malgré les fortes tensions du marché immobilier qui ont conduit MII à aménager sa politique d’investissement en intégrant des éléments de patrimoine à fort potentiel de valorisation (Quartier Central des Affaires parisien), le patrimoine reste essentiellement constitué de locaux à usage de bureaux, majoritairement situés dans les grandes métropoles régionales et dans les première et seconde couronnes parisiennes.</p><p>Le patrimoine compte 39 biens, pour une surface totale de 170.116 m2.</p><ul><li>10 immeubles à Paris, pour une surface totale de 29.033 m2.</li><li>11 immeubles en région parisienne, pour une surface totale de 74.175 m2.</li><li>18 immeubles en Province (dont une résidence pour Seniors), pour une surface totale de 66.908 m2.</li></ul> </div>
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<p>Plus d’informations sur : <a href="https://www.monceaupatrimoineimmobilier.com/">monceaupatrimoineimmobilier.com</a></p> </div>
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<div class="elementor-element elementor-element-f3a94f9 e-flex e-con-boxed e-con e-child" data-id="f3a94f9" data-element_type="container">
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<div class="elementor-element elementor-element-16673a6 elementor-widget elementor-widget-heading" data-id="16673a6" data-element_type="widget" data-widget_type="heading.default">
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<div class="elementor-heading-title elementor-size-default">72</div> </div>
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<div class="elementor-element elementor-element-833fbec elementor-widget elementor-widget-heading" data-id="833fbec" data-element_type="widget" data-widget_type="heading.default">
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<div class="elementor-heading-title elementor-size-default">immeubles</div> </div>
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<div class="elementor-element elementor-element-7eb1a73 elementor-widget elementor-widget-heading" data-id="7eb1a73" data-element_type="widget" data-widget_type="heading.default">
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<div class="elementor-heading-title elementor-size-default">1,921</div> </div>
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<div class="elementor-heading-title elementor-size-default">milliard d'euros</div> </div>
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<div class="elementor-element elementor-element-d7b9a61 e-flex e-con-boxed e-con e-child" data-id="d7b9a61" data-element_type="container">
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<div class="elementor-element elementor-element-4ca0fab elementor-widget elementor-widget-heading" data-id="4ca0fab" data-element_type="widget" data-widget_type="heading.default">
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<div class="elementor-heading-title elementor-size-default">270 134</div> </div>
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<div class="elementor-heading-title elementor-size-default">mètres carrés</div> </div>
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<h2 class="elementor-heading-title elementor-size-default">Une politique financière innovante</h2> </div>
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<div class="elementor-heading-title elementor-size-default">Les lignes directrices de la politique financière constantes depuis des années</div> </div>
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<p>Les fondements des décisions prises demeurent la recherche de rendements stables et adossés à des actifs sûrs, la protection contre une hausse des taux nominaux, la préservation des passifs contre une résurgence de l’inflation et la diversification sur des actifs réels qui ne comportent pas de risque de crédit.</p><p>Avec une telle politique d’investissements, laissant une large place aux actions et aux actifs immobiliers, maintenir le taux de couverture de la marge de solvabilité à un niveau raisonnable suppose donc de détenir des fonds propres suffisants.</p> </div>
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<div class="elementor-heading-title elementor-size-default">Optimiser les performances des supports</div> </div>
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<p>La politique financière menée au cours des dix dernières années, qui donne aux investissements immobiliers et aux actions une grande importance dans les portefeuilles répond à l’objectif premier d’optimiser les performances des supports.</p><p>Dans un contexte de grande faiblesse des taux d’intérêt à long terme, cette politique a permis de forger des profils de portefeuilles atypiques au regard de ceux des autres opérateurs et d’enregistrer des performances de qualité, qui ont bénéficié aux adhérents des régimes de retraite, aux titulaires des contrats d’assurance vie en euros et qui ont bonifié les comptes sociaux des entreprises et les comptes combinés.</p><p>Une telle composition des portefeuilles est la seule qui permette de répondre à l’objectif de rendement à long terme, tant pour servir les sociétaires que pour conforter la marge de solvabilité.</p> </div>
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}else{
g_objOpenBurgerIcon.removeClass(g_classActive);
g_objCloseBurgerIcon.addClass(g_classActive);
g_objBurger.addClass(g_classActive);
}
}
function onKeyDown(e){
//only on desktop
if(g_isResponsiveViewport.matches == true)
return(true);
//listen only after 'tab' key
if(e.keyCode != 9)
return(true);
//find all 'li' tags
var objItems = g_objMenu.find('li');
//set small timeout, so current menu item was mark as focused and triggered
setTimeout(function(){
//look after all menu 'li' tags
objItems.each(function(){
var objItem = jQuery(this);
//if link not focused - skip
if(objItem.find(linkSelector).is(':focus') == false)
return(true);
var objLink = objItem.find(linkSelector);
var objSubMenu = objLink.next();
//remove active class from others menu items except parent ones
var objMenuLinksParent = objLink.parents(subMenuSelector).prev();
var objMenuLinksNotParents = g_objMenu.find('.ue-menu '+menuItemSelector+' '+subMenuSelector+' a').not(objMenuLinksParent);
var objParentsMenuitems = objItem.parents(menuItemSelector);
var objMenuItemsNotParents = objItems.not(objParentsMenuitems);
var objFirstLevelMenuLinks = jQuery('.ue-nav-menu .ue-menu > li '+linkSelector+'');
var isFocusedFirstLevelActiveChildrenLinks = objFirstLevelMenuLinks.next().find('li '+linkSelector).is(':focus');
//if there is no expanded menu items inside first level menu items then remove active class
if(isFocusedFirstLevelActiveChildrenLinks == false)
objFirstLevelMenuLinks.removeClass(g_classActive);
objMenuLinksNotParents.removeClass(g_classActive);
objMenuItemsNotParents.removeClass(g_classActive);
setDisactiveIcon(objMenuLinksNotParents);
//add active class and use css to open sub menu
objItem.addClass(g_classActive);
objLink.addClass(g_classActive);
var objParentMenuItemNum = objLink.parents(menuItemSelector).length;
if(objParentMenuItemNum > 1)
setActiveIcon(objLink);
});
},50)
}
/**
* close menu on body click
*/
function onBodyClick(e){
if(g_isResponsiveViewport.matches == true)
return(true);
var objTarget = jQuery(e.target);
var objTargetParents = objTarget.parents();
if(objTargetParents.hasClass('ue-nav-menu'))
return(true);
g_objMenuItems.removeClass(g_classActive);
g_objMenuLinks.removeClass(g_classActive);
setDisactiveIcon(g_objMenuLinks);
}
setFirstLevelIcons();
setIcons();
initResponsiveMode();
setHoverEffects();
//init events
jQuery(window).on('resize', initResponsiveMode);
g_objMenuLinks.on('click', onMenuLinkClick);
g_objBurger.on('click', onBurgerClick);
if(g_objMenuInnerItems){
g_objMenuInnerItems.on('mouseover', onMenuInnerItemMouseover);
g_objMenuInnerItems.on('mouseleave', onMenuInnerItemMouseLeave);
}
if(g_objMenuItems){
g_objMenuItems.on('mouseover', onMenuItemMouseover);
g_objMenuItems.on('mouseleave', onMenuItemMouseLeave);
}
jQuery(document).on('keydown', onKeyDown);
jQuery('body').on('click', function(e){
onBodyClick(e);
});
});
/* Monceau Timeline scripts: */
(function($) {
$(document).ready(function() {
var sync1 = $("#sync1");
var sync2 = $("#sync2");
var slidesPerPage = 21; //globaly define number of elements per page
var syncedSecondary = true;
sync1.owlCarousel({
items : 1,
slideSpeed : 2000,
nav: true,
autoplay: false,
dots: true,
loop: false,
autoWidth: true,
merge: true,
responsiveRefreshRate : 200,
URLhashListener:true,
responsive : {
1024 : {
nav: false,
}
}
})
})
})( jQuery );
/* Monceau Implantation scripts: */
(function($) {
$(document).ready(function() {
var implant = $(".monceau-implantation-slider");
if($(window).width() >= 1024) {
implant.removeClass('owl-carousel');
}
if($(window).width() < 1024) {
implant.owlCarousel({
items : 1,
slideSpeed : 2000,
nav: false,
autoplay: false,
dots: true,
loop: false,
merge: true,
responsiveRefreshRate : 200,
URLhashListener:true,
})
}
$('.monceau-implantation-slider .monceau-implantation-slide:not(:first)').addClass('toggled');
$('.monceau-implantation-slide').on("click", function() {
var el = $(this);
$('.monceau-inplantation-desktop-img').removeClass('active');
$('.monceau-implantation-slider .monceau-implantation-slide').each(function(){
if($(this).is(el)) {
$(this).find(".monceau-implantation-slide-texte").slideDown();
if($(this).hasClass("toggled")) {
$(this).toggleClass('toggled');
}
}
else {
$(this).find('.monceau-implantation-slide-texte').slideUp();
if(!$(this).hasClass("toggled")) {
$(this).toggleClass('toggled');
}
}
})
console.log(attr);
})
})
})( jQuery );
</script>
<a id="pojo-a11y-skip-content" class="pojo-skip-link pojo-skip-content" tabindex="1" accesskey="s" href="#content">Aller au contenu principal</a>
<nav id="pojo-a11y-toolbar" class="pojo-a11y-toolbar-right pojo-a11y-" role="navigation">
<div class="pojo-a11y-toolbar-toggle">
<a class="pojo-a11y-toolbar-link pojo-a11y-toolbar-toggle-link" href="javascript:void(0);" title="Outils d’accessibilité" role="button">
<span class="pojo-sr-only sr-only">Ouvrir la barre d’outils</span>
<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 100 100" fill="currentColor" width="1em">
<title>Outils d’accessibilité</title>
<path d="M50 .8c5.7 0 10.4 4.7 10.4 10.4S55.7 21.6 50 21.6s-10.4-4.7-10.4-10.4S44.3.8 50 .8zM92.2 32l-21.9 2.3c-2.6.3-4.6 2.5-4.6 5.2V94c0 2.9-2.3 5.2-5.2 5.2H60c-2.7 0-4.9-2.1-5.2-4.7l-2.2-24.7c-.1-1.5-1.4-2.5-2.8-2.4-1.3.1-2.2 1.1-2.4 2.4l-2.2 24.7c-.2 2.7-2.5 4.7-5.2 4.7h-.5c-2.9 0-5.2-2.3-5.2-5.2V39.4c0-2.7-2-4.9-4.6-5.2L7.8 32c-2.6-.3-4.6-2.5-4.6-5.2v-.5c0-2.6 2.1-4.7 4.7-4.7h.5c19.3 1.8 33.2 2.8 41.7 2.8s22.4-.9 41.7-2.8c2.6-.2 4.9 1.6 5.2 4.3v1c-.1 2.6-2.1 4.8-4.8 5.1z"/> </svg>
</a>
</div>
<div class="pojo-a11y-toolbar-overlay">
<div class="pojo-a11y-toolbar-inner">
<p class="pojo-a11y-toolbar-title">Outils d’accessibilité</p>
<ul class="pojo-a11y-toolbar-items pojo-a11y-tools">
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-resize-font pojo-a11y-btn-resize-plus" data-action="resize-plus" data-action-group="resize" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Augmenter le texte</title><path fill="currentColor" d="M256 200v16c0 4.25-3.75 8-8 8h-56v56c0 4.25-3.75 8-8 8h-16c-4.25 0-8-3.75-8-8v-56h-56c-4.25 0-8-3.75-8-8v-16c0-4.25 3.75-8 8-8h56v-56c0-4.25 3.75-8 8-8h16c4.25 0 8 3.75 8 8v56h56c4.25 0 8 3.75 8 8zM288 208c0-61.75-50.25-112-112-112s-112 50.25-112 112 50.25 112 112 112 112-50.25 112-112zM416 416c0 17.75-14.25 32-32 32-8.5 0-16.75-3.5-22.5-9.5l-85.75-85.5c-29.25 20.25-64.25 31-99.75 31-97.25 0-176-78.75-176-176s78.75-176 176-176 176 78.75 176 176c0 35.5-10.75 70.5-31 99.75l85.75 85.75c5.75 5.75 9.25 14 9.25 22.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Augmenter le texte</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-resize-font pojo-a11y-btn-resize-minus" data-action="resize-minus" data-action-group="resize" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Diminuer le texte</title><path fill="currentColor" d="M256 200v16c0 4.25-3.75 8-8 8h-144c-4.25 0-8-3.75-8-8v-16c0-4.25 3.75-8 8-8h144c4.25 0 8 3.75 8 8zM288 208c0-61.75-50.25-112-112-112s-112 50.25-112 112 50.25 112 112 112 112-50.25 112-112zM416 416c0 17.75-14.25 32-32 32-8.5 0-16.75-3.5-22.5-9.5l-85.75-85.5c-29.25 20.25-64.25 31-99.75 31-97.25 0-176-78.75-176-176s78.75-176 176-176 176 78.75 176 176c0 35.5-10.75 70.5-31 99.75l85.75 85.75c5.75 5.75 9.25 14 9.25 22.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Diminuer le texte</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-grayscale" data-action="grayscale" data-action-group="schema" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Niveaux de gris</title><path fill="currentColor" d="M15.75 384h-15.75v-352h15.75v352zM31.5 383.75h-8v-351.75h8v351.75zM55 383.75h-7.75v-351.75h7.75v351.75zM94.25 383.75h-7.75v-351.75h7.75v351.75zM133.5 383.75h-15.5v-351.75h15.5v351.75zM165 383.75h-7.75v-351.75h7.75v351.75zM180.75 383.75h-7.75v-351.75h7.75v351.75zM196.5 383.75h-7.75v-351.75h7.75v351.75zM235.75 383.75h-15.75v-351.75h15.75v351.75zM275 383.75h-15.75v-351.75h15.75v351.75zM306.5 383.75h-15.75v-351.75h15.75v351.75zM338 383.75h-15.75v-351.75h15.75v351.75zM361.5 383.75h-15.75v-351.75h15.75v351.75zM408.75 383.75h-23.5v-351.75h23.5v351.75zM424.5 383.75h-8v-351.75h8v351.75zM448 384h-15.75v-352h15.75v352z"></path></svg></span><span class="pojo-a11y-toolbar-text">Niveaux de gris</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-high-contrast" data-action="high-contrast" data-action-group="schema" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Haut contraste</title><path fill="currentColor" d="M192 360v-272c-75 0-136 61-136 136s61 136 136 136zM384 224c0 106-86 192-192 192s-192-86-192-192 86-192 192-192 192 86 192 192z"></path></svg></span><span class="pojo-a11y-toolbar-text">Haut contraste</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-negative-contrast" data-action="negative-contrast" data-action-group="schema" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Contraste négatif</title><path fill="currentColor" d="M416 240c-23.75-36.75-56.25-68.25-95.25-88.25 10 17 15.25 36.5 15.25 56.25 0 61.75-50.25 112-112 112s-112-50.25-112-112c0-19.75 5.25-39.25 15.25-56.25-39 20-71.5 51.5-95.25 88.25 42.75 66 111.75 112 192 112s149.25-46 192-112zM236 144c0-6.5-5.5-12-12-12-41.75 0-76 34.25-76 76 0 6.5 5.5 12 12 12s12-5.5 12-12c0-28.5 23.5-52 52-52 6.5 0 12-5.5 12-12zM448 240c0 6.25-2 12-5 17.25-46 75.75-130.25 126.75-219 126.75s-173-51.25-219-126.75c-3-5.25-5-11-5-17.25s2-12 5-17.25c46-75.5 130.25-126.75 219-126.75s173 51.25 219 126.75c3 5.25 5 11 5 17.25z"></path></svg></span><span class="pojo-a11y-toolbar-text">Contraste négatif</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-background-group pojo-a11y-btn-light-background" data-action="light-background" data-action-group="schema" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Arrière-plan clair</title><path fill="currentColor" d="M184 144c0 4.25-3.75 8-8 8s-8-3.75-8-8c0-17.25-26.75-24-40-24-4.25 0-8-3.75-8-8s3.75-8 8-8c23.25 0 56 12.25 56 40zM224 144c0-50-50.75-80-96-80s-96 30-96 80c0 16 6.5 32.75 17 45 4.75 5.5 10.25 10.75 15.25 16.5 17.75 21.25 32.75 46.25 35.25 74.5h57c2.5-28.25 17.5-53.25 35.25-74.5 5-5.75 10.5-11 15.25-16.5 10.5-12.25 17-29 17-45zM256 144c0 25.75-8.5 48-25.75 67s-40 45.75-42 72.5c7.25 4.25 11.75 12.25 11.75 20.5 0 6-2.25 11.75-6.25 16 4 4.25 6.25 10 6.25 16 0 8.25-4.25 15.75-11.25 20.25 2 3.5 3.25 7.75 3.25 11.75 0 16.25-12.75 24-27.25 24-6.5 14.5-21 24-36.75 24s-30.25-9.5-36.75-24c-14.5 0-27.25-7.75-27.25-24 0-4 1.25-8.25 3.25-11.75-7-4.5-11.25-12-11.25-20.25 0-6 2.25-11.75 6.25-16-4-4.25-6.25-10-6.25-16 0-8.25 4.5-16.25 11.75-20.5-2-26.75-24.75-53.5-42-72.5s-25.75-41.25-25.75-67c0-68 64.75-112 128-112s128 44 128 112z"></path></svg></span><span class="pojo-a11y-toolbar-text">Arrière-plan clair</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-links-underline" data-action="links-underline" data-action-group="toggle" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Liens soulignés</title><path fill="currentColor" d="M364 304c0-6.5-2.5-12.5-7-17l-52-52c-4.5-4.5-10.75-7-17-7-7.25 0-13 2.75-18 8 8.25 8.25 18 15.25 18 28 0 13.25-10.75 24-24 24-12.75 0-19.75-9.75-28-18-5.25 5-8.25 10.75-8.25 18.25 0 6.25 2.5 12.5 7 17l51.5 51.75c4.5 4.5 10.75 6.75 17 6.75s12.5-2.25 17-6.5l36.75-36.5c4.5-4.5 7-10.5 7-16.75zM188.25 127.75c0-6.25-2.5-12.5-7-17l-51.5-51.75c-4.5-4.5-10.75-7-17-7s-12.5 2.5-17 6.75l-36.75 36.5c-4.5 4.5-7 10.5-7 16.75 0 6.5 2.5 12.5 7 17l52 52c4.5 4.5 10.75 6.75 17 6.75 7.25 0 13-2.5 18-7.75-8.25-8.25-18-15.25-18-28 0-13.25 10.75-24 24-24 12.75 0 19.75 9.75 28 18 5.25-5 8.25-10.75 8.25-18.25zM412 304c0 19-7.75 37.5-21.25 50.75l-36.75 36.5c-13.5 13.5-31.75 20.75-50.75 20.75-19.25 0-37.5-7.5-51-21.25l-51.5-51.75c-13.5-13.5-20.75-31.75-20.75-50.75 0-19.75 8-38.5 22-52.25l-22-22c-13.75 14-32.25 22-52 22-19 0-37.5-7.5-51-21l-52-52c-13.75-13.75-21-31.75-21-51 0-19 7.75-37.5 21.25-50.75l36.75-36.5c13.5-13.5 31.75-20.75 50.75-20.75 19.25 0 37.5 7.5 51 21.25l51.5 51.75c13.5 13.5 20.75 31.75 20.75 50.75 0 19.75-8 38.5-22 52.25l22 22c13.75-14 32.25-22 52-22 19 0 37.5 7.5 51 21l52 52c13.75 13.75 21 31.75 21 51z"></path></svg></span><span class="pojo-a11y-toolbar-text">Liens soulignés</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-readable-font" data-action="readable-font" data-action-group="toggle" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Police lisible</title><path fill="currentColor" d="M181.25 139.75l-42.5 112.5c24.75 0.25 49.5 1 74.25 1 4.75 0 9.5-0.25 14.25-0.5-13-38-28.25-76.75-46-113zM0 416l0.5-19.75c23.5-7.25 49-2.25 59.5-29.25l59.25-154 70-181h32c1 1.75 2 3.5 2.75 5.25l51.25 120c18.75 44.25 36 89 55 133 11.25 26 20 52.75 32.5 78.25 1.75 4 5.25 11.5 8.75 14.25 8.25 6.5 31.25 8 43 12.5 0.75 4.75 1.5 9.5 1.5 14.25 0 2.25-0.25 4.25-0.25 6.5-31.75 0-63.5-4-95.25-4-32.75 0-65.5 2.75-98.25 3.75 0-6.5 0.25-13 1-19.5l32.75-7c6.75-1.5 20-3.25 20-12.5 0-9-32.25-83.25-36.25-93.5l-112.5-0.5c-6.5 14.5-31.75 80-31.75 89.5 0 19.25 36.75 20 51 22 0.25 4.75 0.25 9.5 0.25 14.5 0 2.25-0.25 4.5-0.5 6.75-29 0-58.25-5-87.25-5-3.5 0-8.5 1.5-12 2-15.75 2.75-31.25 3.5-47 3.5z"></path></svg></span><span class="pojo-a11y-toolbar-text">Police lisible</span> </a>
</li>
<li class="pojo-a11y-toolbar-item">
<a href="#" class="pojo-a11y-toolbar-link pojo-a11y-btn-reset" data-action="reset" tabindex="-1" role="button">
<span class="pojo-a11y-toolbar-icon"><svg version="1.1" xmlns="http://www.w3.org/2000/svg" width="1em" viewBox="0 0 448 448"><title>Réinitialiser</title><path fill="currentColor" d="M384 224c0 105.75-86.25 192-192 192-57.25 0-111.25-25.25-147.75-69.25-2.5-3.25-2.25-8 0.5-10.75l34.25-34.5c1.75-1.5 4-2.25 6.25-2.25 2.25 0.25 4.5 1.25 5.75 3 24.5 31.75 61.25 49.75 101 49.75 70.5 0 128-57.5 128-128s-57.5-128-128-128c-32.75 0-63.75 12.5-87 34.25l34.25 34.5c4.75 4.5 6 11.5 3.5 17.25-2.5 6-8.25 10-14.75 10h-112c-8.75 0-16-7.25-16-16v-112c0-6.5 4-12.25 10-14.75 5.75-2.5 12.75-1.25 17.25 3.5l32.5 32.25c35.25-33.25 83-53 132.25-53 105.75 0 192 86.25 192 192z"></path></svg></span>
<span class="pojo-a11y-toolbar-text">Réinitialiser</span>
</a>
</li>
</ul>
</div>
</div>
</nav>
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