Question n°1

Antonello Cabras
Manager of Lello,
Italian bar
Lyons, France

We’re familiar with your TV ads and we all like the music, but where can we find CNP Assurances products?

Answer

You can find them at large banks such as La Banque Postale, the Caisses d’Epargne and many financial institutions in France, and at the contact points and sales outlets of Banco Santander in Europe and of Caixa Econômica Federal in Brazil. Our made-to-measure solutions for professionals are distributed by a number of mutual and provident institutions and by our Amétis employees network. Companies and local authorities also offer our insurance policies to their employees or officials through collective agreements. Historically, multipartnership has been CNP Assurances’ business model. The Group designs solutions to protect people and entrusts their distribution to partners with point of sale networks, and who share its values. Finally, throughout the lifetime of the contract, CNP Assurances develops its relationship with its insured, on a daily basis. CNP Assurances has been an insurer, co-insurer and reinsurer for 160 years, and plays a central role in people’s day-to-day lives. It is also one of the leading personal risk insurers in France, the 4th largest in Europe and the 5th largest in Brazil.

Present on 2 continents and  in 17 countries

Distribution of our partners’ points of sale

  • 140,000 in Europe
  • 60,000 in Latin America​

Marie-Odile Risbec
Support manager, insured and Banque Postale network

CNP Assurances does not market the products, but designs and manages the contracts throughout their lifetime, from the inception of the insurance to all the acts of management required to help people get on with their lives: unexpected life events, completion of a project, conveyance of  property. We answer letters, e-mails and telephone calls from our insured, via our dedicated platforms, and this enables us to get to know them well. Customers are increasingly canny when it comes to finance and monitor closely how their money is doing. They want to be able to check online the value of their unit-linked contracts, for example. Computers add to their demands in terms of information and responsiveness, but what they appreciate most is human contact.

1.3 million telephone calls from our insured were dealt with in Franc in 2015

The vitality of our multi-partner model

Personal risk and protection, health, term creditor insurance, savings and pensions, the solutions of CNP Assurances are distributed by many partners including large banking networks, such as La Banque Postale and the Caisses d’Epargne, and for loan insurance, 315 financial institutions in France. The company’s wealth management services are provided by about twenty partners, from private banks to family offices and major wealth management companies.
In Europe, Santander Finance distributes CNP Assurances’ consumer loan insurance and personal risk and protection solutions via 120,000 points of contact.
In pensions, personal risk and protection and health, CNP Assurances provides made-to-measure collective solutions. Thus, it indirectly protects the members of more than a hundred mutual companies and provident institutions, the employees of 4,600 businesses and the officials of 20,000_local authorities. The new partnership signed at the end of 2015 with AG2R La Mondiale, in order to create a leading player in additional pension savings, proves the vitality of the CNP Assurances multipartnership model.

100% online term creditor insurance with its two leading online banking

Our multi-channel approach brings us closer to our insured

Throughout the lifetime of the contract, CNP Assurances is at the insured’s side. As a pioneer in loan insurance with its two 100% online banking partners, the company is also committed to the fight for the “right to be forgotten” for loan applicants that have suffered a serious health problem. The number of insurance policies that it refuses (0.2%) is also one of the lowest on the market. In personal risk and protection, dedicated teams organised by each partner manage claims in as short a time as possible. In life insurance, support services for the insured answer their questions and assist them throughout the lifetime of the contract. A dedicated service based in Angers searches for the beneficiaries of unclaimed life insurance contracts with the help of professional investigators. The Amétis commercial network of 250 advisers employed by CNP Assurances was deployed this year to help business leaders with the distribution of additional health insurance for SME customers of the BPCE Group networks (Banques Populaires and Caisses d’Epargne).
The increasing speed of digitisation brings CNP Assurances ever closer to its end customers, the insured. Its digital platform, Lyfe, is the development of an innovative concept of services made available to its partners and customers for their members, insured, and employees, so that everyone can take control of their own health, with personalised health coaching, fast and efficient arrangement of medical appointments, etc. This is proof that CNP Assurances responds to the multiple changes affecting the life of its insured.