CERAP, a subsidiary of the Kereis Group (1,700 employees across 7 European countries), and the French insurtech Testamento announce the rollout of a major innovation for the temporary employment sector. Their collaboration has made it possible to implement a unique solution on the French market: a unified and portable beneficiary clause that follows temporary workers throughout their professional careers.
This initiative now covers more than 250,000 temporary workers from temporary employment companies representing several hundred agencies across France.
A structural challenge finally resolved: the mobility of temporary workers
The temporary employment sector presents a unique level of complexity in group protection insurance. By nature, temporary workers frequently change assignments and sometimes employers, and may shift between different risk carriers. Until now, this mobility disrupted the continuity of their protection and multiplied administrative formalities.
The innovation developed by CERAP and Testamento? A unified and portable beneficiary clause, compliant with the guidelines of the two partner insurers, that follows the employee throughout their career as a temporary worker, regardless of their employer or the risk carrier of the CERAP temporary workers’ contract.
A comprehensive technological solution serving the customer experience
The deployment of Testamento Beneficiary is part of a complete digital ecosystem:
A dedicated website with spaces for both companies and temporary workers
A 100% digital beneficiary designation journey, allowing employees to create, view, or modify their beneficiary clause 24/7, with validation of the standard clause without electronic signature for maximum simplicity
A dedicated insured extranet, a secure white-label environment enabling users to manage their clauses independently
A SaaS back office for administrators (Cockpit), enabling platform configuration, automatic generation of HR kits, and instant clause retrieval in the event of a claim
This infrastructure integrates directly with the new information system deployed by CERAP, ensuring full consistency across the ecosystem.
Operational since the end of 2025, the system already covers more than 250,000 temporary workers. Early users confirm the smoothness of the journey, with a completion rate above 80% and an average completion time of under 10 minutes. Deployment to the entire eligible population will continue progressively in 2026, in line with communication campaigns carried out by participating companies.
Benefits for all stakeholders
For temporary workers:
Stronger legal security
Continuity of protection
Greater autonomy in managing their estate planning wishes
For CERAP and participating companies:
Massive reduction in repetitive administrative tasks
Optimal traceability
Guaranteed regulatory compliance
A differentiated customer experience
For insurers:
Reduced risk of unclaimed assets and disputes
Lower claims management costs
Improved portfolio data quality
A strong societal commitment
Beyond the technological innovation, this project reflects a strong societal commitment: offering temporary workers, often more vulnerable to life’s uncertainties, the same level of protection as permanent employees. In a context where labor market precarity is increasing, CERAP and Testamento affirm that the quality of social protection should not depend on job stability.
Bernard Voiseux, CEO of CERAP, states:
“In a sector as mobile as temporary employment, social protection must adapt to professional careers, not the other way around. With Testamento, we have addressed a major technical and regulatory challenge: offering our 250,000 employees each year a solution that follows them throughout their careers, ensuring simplicity, security, and respect for their wishes. This represents a significant step forward for the sector.”
Virgile Delporte, co-founder and CEO of Testamento, adds:
“The CERAP project perfectly illustrates our ability to solve the most complex challenges in the personal insurance market. Building a harmonized beneficiary clause between two insurers, deployable at this scale in an environment where information systems are undergoing major transformation, required deep business, legal, and technical expertise. We are proud to support CERAP in its modernization and to contribute to better protection for tens of thousands of temporary workers.”
Solutions tailored to your challenges
Managing beneficiary clauses has become a key issue for insurers and protection providers, at the intersection of compliance, operational efficiency, and customer experience.
At Testamento, we develop customizable digital solutions designed to adapt to the specific needs of each organization and integrate seamlessly into your existing processes.
Would you like to learn more? Our teams are available to discuss your needs and present the solutions best suited to your organization.
