Zeroing in on market expectations
Changes in the loan insurance regulations have made it easier for policyholders to switch providers and thus stimulated competition, putting rates under pressure. With greater freedom to terminate their policies, policyholders have an incentive to compare products. CNP Assurances and Natixis Assurances turned to the You&Us community to shore up their portfolio of collective policies and underpin risk-sharing, the cornerstone of insurance for all. A group of 33 consumers, selected on account of their diverse profiles, explored potential tweaks to existing solutions and tested new types of cover. This successful co-design approach has helped shape the term creditor insurance of the future.
“You&Us is an effective, agile solution, and I believe it is a real asset for CNP Assurances. It helped us recruit very rapidly a panel of customers representative of the populations of our Caisses d’Épargne and Banques Populaires networks. By listening to these customers, we were able to confirm certain points, discount certain options and make a decision between two different ways of presenting products.”
Thierry Mirande,
Head of partnership development Natixis Assurances
You&Us, authentically customer-centric
Launched in 2017, the You&Us community has 300 active members representing three generations of the French population - baby boomers, and generations X and Y. Whether existing or prospective customers, they have all volunteered to evaluate innovations, test out cover and tools, online or at the Group’s headquarters among staff, and reinvent personal insurance with CNP Assurances and its partners.