About us
Who we are
With the founding of ACM Deutschland AG in 2023, the French insurer Assurances du Crédit Mutuel is aiming to expand further on the international level. As a subsidiary of co-operative bank Crédit Mutuel Alliance Fédérale, Assurances du Crédit Mutuel embodies a fair and innovative vision of the insurance business. Assurances du Crédit Mutuel entered the German insurance market in January 2026 with a comprehensive insurance offering.
ACM Deutschland AG develops insurance solutions that are tailored to the specific needs of private individuals and that are distributed, among other things, by partnering with Targobank's banking network.
Our organization
In April 2023, ACM Deutschland AG, a holding company based in Düsseldorf, was founded. In addition, two operating subsidiaries of ACM Deutschland AG, ACM Versicherung AG und ACM Lebensversicherung AG were established for the life and non-life insurance business. Both insurance companies obtained the BaFin license on 27 June 2025 and have been operating under the common brand ACM since 1 July 2025.
Our declared goal is to become an important insurer in Germany. The necessary growth is achieved through qualified teams on site in Germany and with the support of the Group and, if necessary, through partnerships with local actors.
A dedicated team based in Düsseldorf
ACM Deutschland AG is led by an executive committee that relies on the experience of German and French insurance experts. Its members shape the company’s strategic direction.
Executive committee of ACM Deutschland AG
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Mathieu Dehestru
Chairman of the Management Board
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Bianca Hövelmann
Deputy Chairwoman of the Management Board
Legal,compliance and governance -
Cécile Drevelle
Operations and digital
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Dirk Käckenmeister
Finance and actuary
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Bruno Marabelias
Projects, Partnerships and Product Management
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Stefan Mecklenburg
Market management
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Fabrice Stephan
Human resources
Our mission
We accompany our customers and partners on a long-term basis and rethink insurance by providing as many people as possible with easy access to fair, innovative and high-quality products and services.
Our vision
We will become the leading fully integrated bancassurance provider on the German market.
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Diversity
Equal opportunities irrespective of gender, race or sexual orientation
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Ambition
Becoming an important insurer in Germany
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Innovation
Offering a wide range of E-Services
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Ecology
« Entreprise à mission »1
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Solidarity
Protection against risks can only be provided collectively and in solidarity
Our values
In Germany as well as in France, we want to offer insurance solutions based on innovation, solidarity and solidity!
1 The cooperative bank Crédit Mutuel Alliance Fédérale has the status of « Entreprise à mission » in 2020, which leads to special environmental and social commitment. We are committed to the goal of the Paris Climate Agreement and are guided by the UN Sustainable Development Goals (SDGs).
With the introduction of a social dividend in 2023, 15% of the consolidated net result is allocated each year to the financing of projects for the ecological and solidarity-based turnaround. Groupe des Assurances du Crédit Mutuel is a key contributor.
Our partnership with Targobank
Germany is already the second largest market for Crédit Mutuel Alliance Fédérale in the banking sector. Its main activities are consumer credit, asset management, corporate finance and leasing. Targobank is currently the main subsidiary of Crédit Mutuel Alliance Fédérale in Germany.
The insurance products of ACM Deutschland AG are primarily tailored to the needs of private individuals. Thanks to the strategic partnership with Targobank, the insurance solutions have been available on the German market since January 1, 2026.
A multi-channel approach is chosen for sales. Customers have access to the products via bank branches, e.g. Targobank branches, via digital channels (website and smartphone app) and via a telephone platform.
Our parent company, Groupe des Assurances du Crédit Mutuel, the insurance company of Crédit Mutuel Alliance Fédérale
In 1971, co-operative bank Crédit Mutuel invented bancassurance in France: an unprecedented Synergie between banking distribution networks and insurance activities. For more than 50 years, Assurances du Crédit Mutuel has been developing offerings that contribute to the success of Crédit Mutuel Alliance Fédérale. It is now one of the top ten insurers in France. As insurers of individuals, from small and large companies to associations, their insurance solutions are recognized throughout the market.
Assurances du Crédit Mutuel products are distributed in particular through the banking networks of Crédit Mutuel and CIC. In Europe, the insurer has also opened branches in Belgium and Luxembourg.
Crédit Mutuel Alliance Fédérale
Assurances du Crédit Mutuel is the insurance subsidiary of Crédit Mutuel Alliance Fédérale. As a large banking and mutual insurance group, Crédit Mutuel Alliance Fédéraleserves and supports more than 31 million customers worldwide. Their successful business model is reflected in their financial strength.