Contributing to the public interest
The world is changing, crises are becoming commonplace, inequalities are deepening. CNP Assurances is working to promote equal access to healthcare and to help everyone enjoy greater well-being.
Vulnerabilities have been exacerbated by the economic crisis. At the same time, welfare systems are struggling to keep up with demographic trends. Everyone is facing a more uncertain future, whether they are young or old, rich or poor. There has never been a more pressing need to secure the future. This is the real value of CNP Assurances’s choice to be the insurer for all our futures.
We have had a strong commitment to serving the public interest throughout our 160-year history. Our many years’ experience have helped us to measure risks more accurately and properly calibrate our cover. Our Group’s size and the growing number of insureds has allowed us to pool risks and thus to optimise premiums.
Affordable
All of this has led to our current affordable product offering. In savings, it takes just €30 a month to make plans or start building a pension pot by purchasing a life insurance policy. In personal risk insurance, for just €3 per quarter, it’s possible to obtain a payout of at least €7,500 in the event of an emergency. In Brazil, funeral insurance is available for the equivalent of less than €1 per month, even for people who don’t have a bank account, thanks to the Group’s micro-insurance solutions.
Inclusive
In term creditor insurance, we help as many people as possible to obtain insurance for their home loan. We insure all borrower profiles – standard, senior or high net worth – including people representing an aggravated health risk. In the last five years, the term creditor insurance rejection rate has consistently stood at less than 0.2%.
Useful
Insurers can no longer simply collect premiums, examine claims and pay settlements. There has to be much more to their relationship with policyholders. We’ve been aware of this for a long time. We have pioneered a new generation of insurance products that combine a financial settlement with personalised help, integrated services that offer immediate added-value to policyholders, services that help them overcome life’s hardships and long-term care products that also provide help for carers.
Our protection insurance solutions respond to customers’ major concerns. For example, our renter’s insurance solution covers part of the insured’s rent in the event of unemployment, an accident or illness, while our critical illness cover provides financial support to cancer sufferers and heart attack victims. New services that are currently being tested go even further. For example, fast-track medical appointments, personalised health checks and services to help prevent a loss of autonomy will make policyholders’ everyday lives easier by contributing to their well-being and health at all stages of their lives.
Sustainable
As a responsible insurer, we conduct our business for the long term, efficiently managing not only the risks of our policyholders’ everyday lives but also economic risks. As a responsible corporate citizen, we also seek to reduce our environmental footprint and to support the ecological and energy transition. Our forestry assets (CNP Assurances is the largest private owner of woodland in France with 54,000 hectares of forest) are managed using sustainable techniques, while energy audits of our real estate portfolio carried out in 2014 identified the compliance work to be performed to improve the properties’ energy efficiency in line with the requirements of the Grenelle 1 and 2 Acts.
Charitable
For over 20 years, the CNP Assurances Foundation has been supporting public health. The definition of the Group’s new strategic goals was an opportunity
to revisit the Foundation’s areas of outreach. Its new mission is to promote equal access to healthcare.
To this end, the Foundation will support innovative, socially useful projects in three areas: facilitating access to healthcare, supporting prevention programmes and programmes to promote healthy living, and improving the social determinants of health from infancy. In 2014, the first partnerships were signed, with Agence du Service Civique, which runs France’s civic service programmes, to set up a social innovation project “for and by young people”, and with Alliance des Mécènes pour l’Education, a group of corporate foundations that helps to prevent young people from dropping out of school.
€2,5m in donations paid by Group entities in 2014 to support initiatives in the areas of health, social inclusion and social research
0.2% term creditor insurance rejection rate, unchanged for six years
A civic service to improve healthcare
This is the aim of the partnership between the CNP Assurances Foundation and Agence du Service Civique. Fifty young civic service volunteers aged between 16 and 25 will help raise awareness among vulnerable young people of health issues such as addictive behaviours and the importance of a balanced diet.
The CNP Assurances Foundation is supporting this initiative through a €300,000 grant.
“This first social innovation partnership with the CNP Assurances Foundation is a strong signal for the future of the civic service,” saidFrançois Chérèque, President of Agence du Service Civique.“It ensures that any young person who wishes to undertake civic service can do just that. We aim to increase the number of our volunteers to 150,000 as soon as possible."
Discover eurocroissance in just a couple of minutes
Our on-line module tells you everything you need to know about this new generation life insurance fund, including yield information, information about the capital guarantee, the options available when you purchase the contract and the options if an unforeseen event occurs. As France’s leading personal insurer, CNP Assurances is committed to helping as many people as possible understand the ins and outs of life insurance and boost the performance of their savings.