{"id":9796,"date":"2026-03-31T16:43:30","date_gmt":"2026-03-31T14:43:30","guid":{"rendered":"https:\/\/aam-asso.fr\/our-history"},"modified":"2026-07-06T11:56:06","modified_gmt":"2026-07-06T09:56:06","slug":"our-history","status":"publish","type":"page","link":"https:\/\/aam-asso.fr\/en\/our-history","title":{"rendered":"Our History"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9796\" class=\"elementor elementor-9796 elementor-5421\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e14b0c e-flex e-con-boxed e-con e-parent\" data-id=\"8e14b0c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-35ef579 e-con e-atomic-element e-div-block-base e-35ef579-1287fb4 \" data-id=\"35ef579\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"35ef579\" data-e-type=\"e-div-block\" data-id=\"35ef579\">\n    \t\t<div class=\"elementor-element elementor-element-92257c1 elementor-widget elementor-widget-text-editor\" data-id=\"92257c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>An association founded to bring together mutual aid organizations<\/h2><p>The AAM\u2014Association of Mutual Insurers\u2014was founded in 2016, driven by the desire to bring together as many mutual insurers as possible under a common voice. In an increasingly complex regulatory environment and a rapidly changing industry, it had become crucial to unite this community to strengthen its influence and visibility. <\/p><p>The goal is clear: <strong>to enable mutual insurers to play a full role in the sector\u2019s representative bodies by speaking with consistency, unity, and strength.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<a href=\"https:\/\/aam-asso.fr\/partager-nos-valeurs-manifeste-engagements\" target=\"_self\" class=\"btn-bleu-fonce btn e-6946df4-b135675 e-button-base\" data-interaction-id=\"6946df4\" data-e-type=\"widget\" data-id=\"6946df4\">\n\t\tDiscover the Values of Mutualism\n\t<\/a>\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1c1a1a4 e-con e-atomic-element e-div-block-base \" data-id=\"1c1a1a4\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"1c1a1a4\" data-e-type=\"e-div-block\" data-id=\"1c1a1a4\">\n    \t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-72c4ada-928253a\" data-interaction-id=\"72c4ada\" data-e-type=\"widget\" data-id=\"72c4ada\" id=\"9794\" src=\"https:\/\/aam-asso.fr\/wp-content\/uploads\/2026\/04\/photo-reunion-aam.webp\" width=\"712\" height=\"448\" srcset=\"\" alt=\"\"\/>\t\t\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-37ad657c e-flex e-con-boxed e-con e-parent\" data-id=\"37ad657c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7a167047 e-flex e-con-boxed e-con e-child\" data-id=\"7a167047\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4dc54bbf elementor-widget elementor-widget-text-editor\" data-id=\"4dc54bbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>AAM and <span class=\"souligne-voix\">France Assureurs<\/span>:<br\/>A Shared Destiny<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b243adc e-con e-atomic-element e-flexbox-base e-b243adc-0026d46 \" data-id=\"b243adc\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b243adc\" data-e-type=\"e-flexbox\" data-id=\"b243adc\">\n    <div class=\"elementor-element elementor-element-d7094dc e-con e-atomic-element e-div-block-base \" data-id=\"d7094dc\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"d7094dc\" data-e-type=\"e-div-block\" data-id=\"d7094dc\">\n    \t\t<div class=\"elementor-element elementor-element-20dea065 elementor-widget elementor-widget-text-editor\" data-id=\"20dea065\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"h4 paragtrait\">A Strategic Alliance<\/h3><p>The Association of Mutual Insurers was founded on May 18, 2016, enabling this segment of the insurance industry to exert its full influence within the French Insurance Federation, which was established in July 2016 and became <a href=\"https:\/\/www.franceassureurs.fr\/\" target=\"_blank\" rel=\"noopener\">France Assureurs<\/a> in 2022.<\/p><p>This creation is the culmination of a movement initiated by:<\/p><ul><li><strong>GEMA<\/strong> (Association of Mutual Insurance Companies),<\/li><li>The <strong>FFSAM <\/strong>(French Federation of Mutual Insurance Companies),<\/li><\/ul><p>Both are eager to create a unified federation bringing together all insurers subject to the Insurance Code, including mutual insurance companies.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-1564911 e-con e-atomic-element e-div-block-base \" data-id=\"1564911\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"1564911\" data-e-type=\"e-div-block\" data-id=\"1564911\">\n    \t\t<div class=\"elementor-element elementor-element-01e4c8d elementor-widget elementor-widget-text-editor\" data-id=\"01e4c8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"h4 paragtrait\">Simplifying the Professional Landscape<\/h3><p>France Assureurs now brings together the three categories of insurers subject to the Insurance Code, namely:<\/p><ul><li>the <strong>AAM<\/strong>, which represents virtually all mutual insurers in France,<\/li><li>the <strong>G11<\/strong>\u2014the French association of \u201cbank-insurers,\u201d<\/li><li>the <strong>FFSAA <\/strong>\u2013 French Federation of Public Limited Insurance Companies.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<a href=\"https:\/\/aam-asso.fr\/lassurance-en-france-decryptee-comprendre-les-acteurs-de-lassurance\" target=\"_self\" class=\"btn btn-vert-fonce e-button-base\" data-interaction-id=\"2e48d27d\" data-e-type=\"widget\" data-id=\"2e48d27d\">\n\t\tLearn more about our role within France Assureurs\n\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7418189 e-flex e-con-boxed e-con e-parent\" data-id=\"7418189\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-957f4bb elementor-widget elementor-widget-text-editor\" data-id=\"957f4bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>The Urgency of <span class=\"souligne-bleum\">Coming Together<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5caf86a e-flex e-con-boxed e-con e-child\" data-id=\"5caf86a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e966541 elementor-widget elementor-widget-text-editor\" data-id=\"e966541\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The AAM\u2019s founding charter outlines its guiding principles. The AAM was founded on the belief that mutual insurers uphold values, governance practices, and a unique perspective that are distinct to them, while remaining consistent with the principles that govern the insurance industry. <\/p><p>Given the fragmentation of representative bodies, as well as the flood of regulations at the national, European, and international levels and the wide-ranging changes facing the insurance industry, it became essential to create a<strong>n entity dedicated to mutual insurance companies<\/strong>\u2014one capable of representing them, supporting them, and promoting their business model and unique characteristics.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<a href=\"https:\/\/aam-asso.fr\/agir-ensemble-nos-missions-et-champs-daction\" target=\"_self\" class=\"btn btn-bleu-fonce e-button-base\" data-interaction-id=\"419fcca\" data-e-type=\"widget\" data-id=\"419fcca\">\n\t\t<strong>Discover Our Missions<\/strong>\n\t<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-84e129c e-flex e-con-boxed e-con e-parent\" data-id=\"84e129c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-50546f5 e-con e-atomic-element e-div-block-base \" data-id=\"50546f5\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"50546f5\" data-e-type=\"e-div-block\" data-id=\"50546f5\">\n    \t\t\t<img decoding=\"async\" class=\"e-image-base e-081e314-09b1601\" data-interaction-id=\"081e314\" data-e-type=\"widget\" data-id=\"081e314\"  id=\"9795\" src=\"https:\/\/aam-asso.fr\/wp-content\/uploads\/2026\/04\/photo-president-AAM.jpg\" width=\"708\" height=\"450\" srcset=\"\" alt=\"Photo of the AAM President\"\/>\t\t\t\t\t<p class=\"e-ec9ec8a-be4adca e-paragraph-base\" data-interaction-id=\"ec9ec8a\" data-e-type=\"widget\" data-id=\"ec9ec8a\">Thierry Martel, President of the AAM<\/p>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-aa598de e-con e-atomic-element e-div-block-base e-aa598de-658cc36 \" data-id=\"aa598de\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"aa598de\" data-e-type=\"e-div-block\" data-id=\"aa598de\">\n    \t\t<div class=\"elementor-element elementor-element-cd78122 elementor-widget elementor-widget-text-editor\" data-id=\"cd78122\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>The AAM&#8217;s <span class=\"souligne-fushia\">Institutional <\/span>Influence<\/h2><p>Addressing today\u2019s challenges requires fostering an ongoing dialogue to bridge the various perspectives within the mutual insurance sector. The AAM plays this strategic role while maintaining an ongoing exchange with France Assureurs. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5b9328 e-con e-atomic-element e-div-block-base e-b5b9328-c5d41ba bg-degradfushia \" data-id=\"b5b9328\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"b5b9328\" data-e-type=\"e-div-block\" data-id=\"b5b9328\">\n    \t\t<div class=\"elementor-element elementor-element-50d932b elementor-widget elementor-widget-text-editor\" data-id=\"50d932b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong class=\"biggest\">This weight is concrete:<\/strong><\/p><p><span class=\"big\">Of the <strong>23 members of the Executive Board of France Assureurs, 9 are from the AAM.<\/strong><\/span><\/p><p>This presence reflects the importance of mutual insurers in the sector\u2019s governance and in decisions that shape the industry.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-236a878 e-flex e-con-boxed e-con e-parent\" data-id=\"236a878\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f1181c elementor-widget elementor-widget-text-editor\" data-id=\"2f1181c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2>Mutual insurance:<br\/><span class=\"souligne-bleum pb-3\">a recognized model<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69fbb3d e-con e-atomic-element e-flexbox-base e-69fbb3d-d431931 \" data-id=\"69fbb3d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"69fbb3d\" data-e-type=\"e-flexbox\" data-id=\"69fbb3d\">\n    <div class=\"elementor-element elementor-element-61db8c1 e-con e-atomic-element e-div-block-base e-61db8c1-88688f8 \" data-id=\"61db8c1\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"61db8c1\" data-e-type=\"e-div-block\" data-id=\"61db8c1\">\n    \t\t<div class=\"elementor-element elementor-element-fce60dd elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"fce60dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" viewBox=\"0 0 56 56\" fill=\"none\"><path d=\"M0 10C0 4.47715 4.47715 0 10 0H46C51.5229 0 56 4.47715 56 10V46C56 51.5229 51.5228 56 46 56H10C4.47715 56 0 51.5228 0 46V10Z\" fill=\"#C9DEFF\"><\/path><path d=\"M32.6666 38.5V36.1667C32.6666 34.929 32.1749 33.742 31.2998 32.8668C30.4246 31.9917 29.2376 31.5 27.9999 31.5H20.9999C19.7622 31.5 18.5753 31.9917 17.7001 32.8668C16.8249 33.742 16.3333 34.929 16.3333 36.1667V38.5M39.6666 38.5V36.1667C39.6658 35.1327 39.3217 34.1282 38.6882 33.311C38.0547 32.4938 37.1677 31.9102 36.1666 31.6517M32.6666 17.6517C33.6704 17.9087 34.5601 18.4925 35.1955 19.311C35.8309 20.1296 36.1757 21.1363 36.1757 22.1725C36.1757 23.2087 35.8309 24.2154 35.1955 25.034C34.5601 25.8525 33.6704 26.4363 32.6666 26.6933M29.1666 22.1667C29.1666 24.744 27.0772 26.8333 24.4999 26.8333C21.9226 26.8333 19.8333 24.744 19.8333 22.1667C19.8333 19.5893 21.9226 17.5 24.4999 17.5C27.0772 17.5 29.1666 19.5893 29.1666 22.1667Z\" stroke=\"#045C90\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA model based on cohesion\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThe mutual insurance company is based on:\n<ul class=\"liste-none\">\n<li>\u2022 solidarity in the face of risks,<\/li>\n<li>\u2022 long-term management,<\/li>\n<li>\u2022 decisions made without pressure from shareholders,<\/li>\n<li>\u2022 the long-term protection of members.<\/li>\n<\/ul>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30443f0 elementor-widget elementor-widget-text-editor\" data-id=\"30443f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u201cThe primary economic characteristic of mutual insurance is that it has no shareholders to compensate.\u201d<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-416d603 e-con e-atomic-element e-div-block-base e-416d603-5f9d9c3 \" data-id=\"416d603\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"416d603\" data-e-type=\"e-div-block\" data-id=\"416d603\">\n    \t\t<div class=\"elementor-element elementor-element-3e7c84f elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"3e7c84f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" viewBox=\"0 0 56 56\" fill=\"none\"><path d=\"M0 10C0 4.47715 4.47715 0 10 0H46C51.5229 0 56 4.47715 56 10V46C56 51.5229 51.5228 56 46 56H10C4.47715 56 0 51.5228 0 46V10Z\" fill=\"#E6FECD\"><\/path><path d=\"M35.0001 16.3333H21.0001C19.7114 16.3333 18.6667 17.3779 18.6667 18.6666V37.3333C18.6667 38.6219 19.7114 39.6666 21.0001 39.6666H35.0001C36.2887 39.6666 37.3334 38.6219 37.3334 37.3333V18.6666C37.3334 17.3779 36.2887 16.3333 35.0001 16.3333Z\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M24.5 39.6667V35H31.5V39.6667\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M23.3333 21H23.3449\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M32.6667 21H32.6784\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28 21H28.0117\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28 25.6667H28.0117\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M28 30.3333H28.0117\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M32.6667 25.6667H32.6784\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M32.6667 30.3333H32.6784\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M23.3333 25.6667H23.3449\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M23.3333 30.3333H23.3449\" stroke=\"#384E19\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA powerful model in France\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e3e10b elementor-widget elementor-widget-text-editor\" data-id=\"8e3e10b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>For example, mutual insurance companies hold:<br\/><strong>46% of the French market for personal property and casualty insurance.<\/strong><\/p><p>Their democratic governance (\u201cone member, one vote\u201d) appeals to the French and Europeans, who value transparency, community engagement, and purpose.<\/p><p>The AAM thus positions itself as <strong>the natural partner of mutual insurance companies,<\/strong> capable of:<\/p><ul><li>to bring them together and promote their interests,<\/li><li>build relationships to foster synergies,<\/li><li>give new energy to their initiatives.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-b40dedd e-con e-atomic-element e-div-block-base e-b40dedd-20d9acb \" data-id=\"b40dedd\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"b40dedd\" data-e-type=\"e-div-block\" data-id=\"b40dedd\">\n    \t\t<div class=\"elementor-element elementor-element-2849ce8 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2849ce8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"56\" height=\"56\" viewBox=\"0 0 56 56\" fill=\"none\"><path d=\"M0 10C0 4.47715 4.47715 0 10 0H46C51.5229 0 56 4.47715 56 10V46C56 51.5229 51.5228 56 46 56H10C4.47715 56 0 51.5228 0 46V10Z\" fill=\"#BD325A\" fill-opacity=\"0.2\"><\/path><path d=\"M27.9999 39.6666C34.4432 39.6666 39.6666 34.4432 39.6666 27.9999C39.6666 21.5566 34.4432 16.3333 27.9999 16.3333C21.5566 16.3333 16.3333 21.5566 16.3333 27.9999C16.3333 34.4432 21.5566 39.6666 27.9999 39.6666Z\" stroke=\"#962B4A\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M27.9999 16.3333C25.0042 19.4788 23.3333 23.6561 23.3333 27.9999C23.3333 32.3437 25.0042 36.5211 27.9999 39.6666C30.9956 36.5211 32.6666 32.3437 32.6666 27.9999C32.6666 23.6561 30.9956 19.4788 27.9999 16.3333Z\" stroke=\"#962B4A\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><path d=\"M16.3333 28H39.6666\" stroke=\"#962B4A\" stroke-width=\"2.33333\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConfirmed Global Leadership\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52a164c elementor-widget elementor-widget-text-editor\" data-id=\"52a164c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>According to the ICMIF (International Cooperative and Mutual Insurance Federation), of which the AAM is a member, mutual and cooperative insurance companies are experiencing remarkable growth.<\/p><p><strong>The numbers speak for themselves:<\/strong><\/p><p>France is the <strong>world&#8217;s third-largest market:<\/strong> mutual insurers account for 54.96% of the French market share.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f012d5c e-con e-atomic-element e-flexbox-base e-f012d5c-b652847 \" data-id=\"f012d5c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f012d5c\" data-e-type=\"e-flexbox\" data-id=\"f012d5c\">\n    \t\t<div class=\"elementor-element elementor-element-4a4e1c8 elementor-widget elementor-widget-heading\" data-id=\"4a4e1c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">France<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d669ef4 elementor-widget elementor-widget-heading\" data-id=\"d669ef4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">54,96%<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-c05e0ae e-con e-atomic-element e-flexbox-base e-c05e0ae-15346df \" data-id=\"c05e0ae\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c05e0ae\" data-e-type=\"e-flexbox\" data-id=\"c05e0ae\">\n    \t\t<div class=\"elementor-element elementor-element-961d2e8 elementor-widget elementor-widget-heading\" data-id=\"961d2e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">United States<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6fd3aef elementor-widget elementor-widget-heading\" data-id=\"6fd3aef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">41,8%<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-d03afb9 e-con e-atomic-element e-flexbox-base e-d03afb9-af0854e \" data-id=\"d03afb9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d03afb9\" data-e-type=\"e-flexbox\" data-id=\"d03afb9\">\n    \t\t<div class=\"elementor-element elementor-element-4d49fb5 elementor-widget elementor-widget-heading\" data-id=\"4d49fb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Japon<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494fe44 elementor-widget elementor-widget-heading\" data-id=\"494fe44\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">38,92%<\/div>\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<div class=\"elementor-element elementor-element-425025d elementor-widget elementor-widget-text-editor\" data-id=\"425025d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>A rapidly growing model<\/strong><\/p><p>Globally, the market share of mutual and cooperative insurance in 2022 was 26.3%, with growth of nearly 42% between 2012 and 2022.<br\/>Europe accounts for <strong>nearly one-third<\/strong> of this global market (32.96%).<\/p><p>This trend confirms the validity of a model that combines stability, economic performance, and social responsibility.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\n<\/div>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>An association founded to bring together mutual aid organizations The AAM\u2014Association of Mutual Insurers\u2014was founded in 2016, driven by the desire to bring together as many mutual insurers as possible under a common voice. In an increasingly complex regulatory environment and a rapidly changing industry, it had become crucial to unite this community to strengthen<\/p>\n","protected":false},"author":987,"featured_media":0,"parent":0,"menu_order":11,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-9796","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Our History | AAM, founded in 2016 to bring together mutual insurers<\/title>\n<meta name=\"description\" content=\"Founded in 2016 at the initiative of GEMA and FFSAM, the AAM brings together mutual insurers to exert influence in national and European forums. 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