Consistent with its corporate mission, our Group works daily to promote inclusion and push the limits of insurance to protect all life courses.

We design and manage products and services that foster financial and social inclusion, and we make sure they are accessible and relevant, especially for the most vulnerable or inadequately protected.

We seek to reach populations that are far removed from traditional insurance distribution channels. To deliver on our commitment, we partner with diverse ecosystems to create tailored insurance and service coverage.

We are committed to developing a diverse set of distribution methods to improve access to insurance, including digital platforms and alternative outlets. The accessibility of subscription venues is a vital factor, with customers able to take out policies at post offices or through associations.

Engaging with “vulnerable populations”

Our Group defines vulnerable populations as individuals who are more likely to suffer significant harm owing to various factors, such as:

  • age, state of health, one or more physical or mental disabilities,
  • a precarious economic situation,
  • particular exposure to environmental risks, relating in particular to climate change, pollution, ecosystem degradation or natural disasters.

This vulnerability may be structural, linked to permanent personal characteristics, or cyclical, as a result of life events.

It also extends to populations excluded from essential services such as access to insurance, as a result of physical, psychological, financial or social barriers.

Our priority objectives in developing solutions for vulnerable populations are to:

  • Meet the specific needs of target populations,
  • Commit to customer satisfaction, complaint management and customer education,
  • Develop social and societal impact,
  • Innovate in products and services,
  • Promote the value perceived by the customer, including value for money,
  • Acting with our partners.

Learn more : Summary of the Group Inclusive Insurance Policy

Because our commitment to designing inclusive solutions for our policyholders is central to our corporate mission, we plan to increase their number from 17 at mid-2026 to 30 in 2030.
 

Three examples of solutions designed for vulnerable populations

In France

In France, ATD Quart-Monde and CNP Assurances have since 2016 proposed a funeral policy for people living under the poverty line. Developed with the contribution of the people concerned, this policy has made it possible to take into account their real needs and set up a fund to ensure dignified funerals.

In 2024, CNP Assurances made a pioneering move to facilitate access to home or professional loan insurance for women having overcome breast cancer. And in 2025, our Group extended this initiative to men with prostate and testicular cancers.

In Brazil

In Brazil, where the average annual income is around €12,000, the illness or death of a loved one can result in the exclusion of families who are already financially vulnerable. Rapid access to quality care is a daily challenge for millions of Brazilians. 

Owing to their low income, 7 out of 10 Brazilians rely on the public health system, with waiting times potentially leading to a deterioration in their health. 

In response to these challenges, Caixa Vida e Previdencia markets Personal Risk products that protect against risks relating to death and illness.

Mapping of inclusive solutions of the CNP Assurances group

  • Funeral microinsurance available to beneficiaries f the ATD Fourth World non-profit
  • Term creditor personal risk and health icroinsurance distributed to members f the Entrepreneurs de la Cité Foundation
  • Term creditor microinsurance for "Professional oans and personal assistance loans" via the microcredit institution Créa-sol
  • Rental deposit for unpaid rent with the broker Guarantme for low-income groups without guarantors (e.g. certain students)
  • Personal risk insurance for precarious day workers
  • Creditor insurance: measures to facilitate access to it for people with breast, prostate or testicular cancer.

CNP Vita Assicura 

  • Consumer credit insurance for low-income retirees

CNP Seguradora

  • Individual life microinsurance providing Financial protection in the event of death, disability or critical illness
  • Funeral and food assistance to the insured's family in the event of death
  • Microinsurance for individuals and micro-entrepreneurs providing protection against damage to the home
  • Reimbursement insurance covers the value of items stolen or lost from the customer's handbag or credit card

Caixa Vida e Previdencia

  • Microinsurance for death, total disability + Assistance
  • Funeral microinsurance
  • Temporary Accidental Death + Health Assistance & Funeral Assistance

CNP Seguros Holding Brasil

  • Microinsurance providing guarantees for the person and property of the micro-entrepreneur

CNP Assurances Compania de Seguros

  • Temporary death and funeral microinsurance for microentrepreneurs
  • Accidental personal riskmicroinsurance for low-income people