Florence Lustman re-elected as President of France Assureurs, she commits to strengthening presence on the ground and in Brussels.

Florence Lustman was re-elected unanimously as President of France Assureurs at the General Assembly held in June 2025. This renewal at the helm of the federation represents a strong milestone for the insurance sector in France, committed to maintaining significant momentum in an increasingly demanding economic and regulatory context. With her experience, Florence Lustman demonstrates a renewed commitment to expanding the presence of insurers both on the national level and within European institutions in Brussels. This dual focus aims to ensure greater leadership for France Assureurs in shaping regulatory policies while strengthening close ties with local stakeholders. In a landscape marked by rapid changes, heightened expectations for corporate social responsibility, and digitalization challenges, her presidency is a foundational element for the years to come.

The federation aims to support an adapted strategy that combines increased representativity, sustainable growth, and continuous innovation. Aware of the challenges involved, Florence Lustman relies on a collegial governance led by her vice-presidents Guillaume Borie, Thierry Martel, and Philippe Perret to drive concrete actions. This collaborative approach seeks to address especially European regulatory evolutions, which are now central concerns for French insurance companies. In this regard, strengthening insurers’ voices in Brussels appears as a key issue that the president intends to pursue with determination. Additionally, field presence must also be intensified to better understand and respond to the specific needs of consumers and professionals on the ground.

This dynamic of action aligns with the goal of making France Assureurs an essential interlocutor in the market, capable of anticipating profound changes in the insurance economy. With a sector currently undergoing full transformation—shifting from traditional offerings to models incorporating multi-assistance, capitalization, and digital solutions—the federation must stand out for its adaptability and responsiveness. Florence Lustman thus responds to members’ expectations by proposing a clear, ambitious roadmap focused on pragmatic and measurable objectives. It should be noted that this re-election reinforces leadership stability and guarantees the continuation of a coherent strategic vision for the benefit of the entire sector.

Florence Lustman: extension of a structuring leadership as President of France Assureurs

The re-election of Florence Lustman as President of France Assureurs illustrates a strong choice by the federation’s members, who rely on proven leadership to guide the insurance sector into a new phase of development. Since assuming this role, she has successfully promoted a tradition of constructive dialogue among insurers, regulators, and stakeholders, based on transparency and professional rigor. This continuity at the federation’s head provides valuable stability at a time when economic and regulatory volatility demands agile and solid governance.

Florence Lustman’s international experience is a significant asset, especially her ability to effectively represent the interests of French insurers within European institutions in Brussels. She was notably a founding member of CEIOPS, now EIOPA, which gives her an in-depth understanding of European insurance supervision mechanisms. This expertise enables France Assureurs to credibly influence the development of standards and regulations, thereby protecting sector interests and enhancing consumer trust.

Among notable achievements of her presidency is the strengthening of social and institutional dialogue, fostering cohesion between public and private actors. Today, the federation plays a central role in facilitating debates on social protection policies, risk prevention, and the development of responsible and inclusive products. It also works to help companies adapt to ever-evolving rules, such as the Solvency II directive, and to new requirements linked to ecological transition. These advances are already in place and reflect decisive actions led by clear leadership.

• Institutionalization of enhanced representation with EIOPA and European authorities 🌍
• Development of initiatives to integrate CSR into insurance practices ♻️
• Promotion of better training for professionals within the network of agents and brokers 📚
• Coordination with social partners to support market evolution in insurance 👔
• Encouragement of digital innovation and customer data security 🔐

Aspects of Leadership	Actions Taken	Impact
European representation	Active participation in regulatory negotiations in Brussels	Better consideration of French specifics
Social dialogue	Regular consultations with unions and sector partners	Relation stability in professional relationships
Ecological transition	Definition of recommendations for insurers	Inclusion of environmental criteria in products

Enhancing France Assureurs’ presence on the ground: a strategic priority

In an environment where proximity to consumers and professionals is a key success factor, Florence Lustman centers her program on significantly strengthening France Assureurs’ on-the-ground presence. The federation aims, in particular, to improve understanding of local needs, which will allow tailoring insurance offerings to highly diverse realities.

This approach relies on active engagement from general agents, brokers, and the entire sales network. The goal is to gather expectations and issues faced by clients to foster constructive dialogue with federation decision-makers. Additionally, the federation relies on targeted information campaigns to improve awareness of insurance products and their benefits.

Another aspect of this strengthening concerns training and supporting professionals in the field. In a context where standards are rapidly evolving, it is crucial that actors have the tools and skills necessary to best advise insured clients. Initiatives have been launched in collaboration with specialized platforms and training organizations, such as Planète CSCA, an initiative aimed at modernizing the approach of general agents regarding customer relations (more information).

• Regional deployment of field working groups 💼
• Implementation of ongoing training for brokers and general agents 🎓
• Awareness campaigns on multi-assistance for expanded customer coverage 🔧 (more details on multi-assistance)
• Personalized monitoring of regulatory developments with field support ⚖️
• Strengthening of digital tools aimed at customer relations 📱

Field Initiatives	Description	Expected Results
Regional working groups	Regular meetings with local actors to identify needs	Insurance offer better adapted to local specifics
Field training	Diploma modules and practical sessions for agents/brokers	Professionals better informed and more effective
Digital tools	Dedicated mobile applications for simplified contract management	Enhanced customer experience and increased loyalty

Strengthened presence in Brussels: a strategic importance for France Assureurs

Florence Lustman places particular emphasis on France Assureurs’ strengthened presence within European institutions based in Brussels. This initiative aims to ensure that emerging regulations—often criticized for their complexity or rigor—are developed with consideration of the realities of the French market. This effort is part of an environment where Europe is deploying an ambitious regulatory agenda, involving initiatives relating to solvency, consumer protection, and sustainability.

The increasing regulatory emphasis on environmental standards in the sector requires heightened vigilance. France Assureurs seeks to influence discussions so that insurers can incorporate these requirements into their practices without hampering competitiveness. The federation promotes a balanced approach combining economic efficiency with societal responsibility. Florence Lustman’s re-election guarantees continuity of a proactive diplomacy adopted towards European decision-makers, already yielding tangible results such as the gradual adaptation of European rules to specific French conditions.

• Prolonged participation in European insurance working groups ⚙️
• Strengthening teams dedicated to regulatory monitoring in Brussels 🏛️
• Development of partnerships with other European federations for shared positions 🤝
• Organization of conferences and seminars to promote the voice of French insurers 🎤
• Monitoring European initiatives on capitalization and multi-assistance (useful link)

Actions in Brussels	Objectives	Benefits for French insurers
Enhanced regulatory monitoring	Anticipate and influence European texts	Better protection against costly measures
Dialogue with other federations	Develop shared positions	Increased bargaining power
Organizing events	Raise visibility of French actors	Increased credibility and political influence

Florence Lustman’s commitment to responsible and innovative insurance

One of the pillars of Florence Lustman’s renewed presidency is a focus on responsible insurance that combines technological innovation with respect for social and environmental issues. In a sector where digitalization is transforming client relationships, the challenge is to offer tailored solutions while ensuring security and transparency.

Under her leadership, France Assureurs commits to promoting the development of insurance products that incorporate ESG criteria (environmental, social, and governance), which have become essential standards. This positioning aligns with the growing expectations of consumers, particularly younger generations, who prioritize responsible services. Simultaneously, the federation supports innovation efforts around multi-assistance, enabling comprehensive and proactive responses to insured needs—whether individuals or professionals (more information here).

Initiatives also extend to digitalization of underwriting, automated claims management, and cybersecurity. These aim for clearer objectives: increased efficiency, cost reduction, and enhanced customer relations. This responsible innovation model is highlighted as a key long-term competitiveness factor capable of reinforcing market confidence.

• Promotion of ESG criteria in insurance offers 🌱
• Encouragement of multi-assistance for comprehensive coverage 🔄
• Improvement of digital tools to streamline customer journeys 📲
• Strengthening of cybersecurity measures 🔒
• Facilitation of debates on responsible governance and inclusivity ⚖️

Commitments	Concrete Actions	Expected Benefits
Sustainable insurance	Integration of ESG criteria into contracts	Customer loyalty among those sensitive to these themes
Digital innovation	Development of advanced applications and digital systems	Time savings and better customer management
Multi-assistance	Integrated solutions for individuals and professionals	Increased reactivity and service optimization

Strategic alliances and strengthened partnerships under Florence Lustman’s presidency

A key aspect of the renewed mandate is to strengthen and expand France Assureurs’ strategic alliances. Florence Lustman develops this approach to unify actors beyond traditional borders, fostering synergies that enhance the sector’s overall competitiveness.

This strategy notably involves close collaboration with actors such as brokers, general agents, and entities related to capitalization and asset management. Building on these partnerships, France Assureurs can promote more diverse offers aligned with the expectations of different customer groups. These alliances also help address regulatory challenges through a strong and unified voice.

A tangible step has been the integration of support programs for capitalization development, a growth driver valued by the federation and highlighted in recent analyses (read the analysis). Furthermore, strengthened ties with brokers’ unions, notably through the president of the CSCA brokers’ union (more information), reflect a clear desire for sectoral cohesion.

• Enhancement of cooperation with brokers and general agents 🤝
• Deepening partnerships with capitalization and asset management players 💰
• Active participation in joint training and certification projects 📖
• Support for initiatives related to ecological and social transition 🌿
• Dissemination of sectoral SWOT analyses to better anticipate risks 📊 (example of SWOT analysis)

Partnership Areas	Actions Taken	Objectives
Broking and general agents	Joint training programs and regular exchanges	Enhancement of advisory quality
Capitalization and asset management	Promotion of long-term savings and dedicated products	Market share growth
Ecological transition	Awareness campaigns and financial incentives	Compliance with sustainable development goals

Economic and social impacts during Florence Lustman’s term

Florence Lustman’s leadership is accompanied by a keen awareness of the economic and social impacts generated by the federation. In a context marked by global economic instability, the federation works to maintain a balance between company profitability and insured protection. Emphasis is placed on the essential role played by the sector in stabilizing household and business finances.

On the social front, France Assureurs’ actions focus on inclusion and solidarity support. The federation advocates for simplifying offers, increasing accessibility of insurance products to all populations, and developing mechanisms to prevent exclusion. At the same time, promoting better risk prevention helps reduce vulnerability and claims costs.

It is also important to note that this delicate balance between economic performance and social responsibility is a central topic in Brussels, demonstrating the relevance and consistency of Florence Lustman’s strategy. A major challenge for the federation remains the adaptation to various emerging risks, such as climate change and cybercrime.

• Support for employment retention in the insurance sector 👷‍♂️
• Promotion of accessible products for vulnerable populations 🏘️
• Development of targeted prevention campaigns against major risks 🔥
• Participation in improving social protection through collective initiatives 🤲
• Ongoing monitoring of the impact of technological and ecological transformations 🌐

Domains of Influence	Initiatives	Benefits to Society
Employment	Continuing education programs and career security	Loyalty development and skill enhancement
Accessibility	Simplified offers and adapted pricing	Better coverage for at-risk populations
Prevention	Information campaigns and alert systems	Fewer claims and lower costs

Challenges to be addressed in the insurance sector under the presidency of Florence Lustman

As Florence Lustman begins a new term as President of France Assureurs, the sector faces numerous challenges. Among these, regulatory complexity is often highlighted, testing the ability of companies to adapt quickly. The risk of exceeding constraints, especially related to Solvency II and ESG standards, requires ongoing corrective measures.

Additionally, emerging risks such as cybercrime demand increased responsiveness and the continuous development of suitable solutions, both in prevention and claims management. Population aging, diversification of insurance needs, and the necessity for broader coverage also call for a revision of traditional models.

For this reason, the federation, led by Florence Lustman, works to strengthen dialogue with authorities, support innovation, and encourage coordinated action that anticipates changes. Enhancing field presence and Brussels engagement thus appears as a strategic response to these issues, enabling both capturing market realities and influencing European sector policies.

• Managing regulatory complexity and continuous adaptation ⚖️
• Developing solutions against cyber risks 🛡️
• Responding to demographic changes and new social expectations 👥
• Promoting digitalization while ensuring data security 🔍
• Strengthening coordination among sector actors and authorities 🤝

Challenges	Threats	Planned Actions
Regulatory complexity	High compliance costs	Regulatory monitoring and strengthened dialogue with Brussels
Cybercrime	Increase in attacks and claims	Technological innovation and training

Future outlook and strategic plan under Florence Lustman’s leadership

The renewed term ushers in a new phase of action focused on adapting to profound changes in the insurance sector. Florence Lustman’s ambitions include closely monitoring results to ensure tangible progress and the effective internalization of developments by France Assureurs’ members.

The strategic plan notably involves increased efforts in:

• Strengthening on-the-ground presence with a focus on customer relations 🤝
• Enhancing representation within European and international bodies 🌍
• Accelerating digital and ecological transformation 📈
• Supporting innovation in insurance products and services 💡
• Implementing training programs tailored to new challenges 🎓

These orientations balance pragmatism and ambition, considering the global economic context and French specificities. They also demonstrate a desire to position France Assureurs as a key actor, capable of anticipating upheavals while ensuring the security and quality of services for insured clients. Collaboration with key actors—agents, brokers, regulators—is central to this strategy.

Strategic axes	Objectives	Monitoring indicators
On-the-ground presence	Improve customer satisfaction and adaptability	Satisfaction indicators and number of regional actions
European representation	Influence policies and regulations	Number of contributions and events in Brussels
Digital transformation	Increase the use of digital tools	Adoption rate of digital solutions

FAQ about the renewal of France Assureurs’ presidency

Who is Florence Lustman and what is her background in the insurance sector?

Florence Lustman is a recognized figure in the insurance sector, having led several regulatory agencies and federations, including the Insurance Control Commission and the Alzheimer Plan. Her extensive governance experience ensures expert leadership of France Assureurs.

What are the main challenges currently facing France Assureurs?

Regulatory complexity, the rise of cyber risks, demographic changes, and ecological transition are among the major issues. The federation is working on ongoing adaptation and negotiation to ensure sector competitiveness.

How does Florence Lustman plan to strengthen France Assureurs’ field presence?

By developing regional initiatives, training agents and brokers, and improving digital tools to enhance client relations, the president aims for better proximity and more tailored offerings.

What strategy is in place for representation in Brussels?

Enhanced presence with dedicated teams, European partnerships, and active participation in working groups enable influencing regulations and defending French interests effectively.

What commitments are made regarding innovation and corporate social responsibility?

France Assureurs promotes digitalization, data security, and integration of ESG criteria in its offerings, while supporting multi-assistance as a comprehensive solution for insured clients.