With more than 2,000 employees working outside France, the CNP Assurances Group is a major player in insurance in Europe and Latin America.
A strong presence on two continents
Our Group is present in 17 countries in Europe and Latin America where it deploys its unique development model, based on:
- exclusive long-term partnerships with well-established distributor networks,
- the deployment of an open and multi-partner business model, relying on its subsidiaries.
In each of these countries, CNP Assurances adapts its insurance and protection solutions to local economic, social and cultural realities.
CNP Assurances
In France, CNP Assurances is a leading player in personal and property insurance. A full-service insurer, it designs savings, complementary health and provident solutions, loan coverage, and property protection.
More than 350 partners, including La Banque Postale and BPCE, distribute them to as many people as possible. Its subsidiaries, such as CNP Protection sociale and CNP Retraite, and its Amétis network also market its solutions to individuals and/or companies.
CNP Vita Assicura
Italy, the Group's third largest market after France and Brazil, has solid development ambitions through CNP Vita Assicura
This subsidiary distributes personal protection, savings and investment insurance products. It is based on open model distribution agreements concluded with banking partners such as Fineco and Mediobanca.
CNP Santander Insurance
CNP Assurances has signed an exclusive long-term distribution agreement with Santander Insurance SL. This partnership operates in 12 European countries through their joint subsidiary: CNP Santander Insurance.
It offers loan insurance products in particular, designed to alleviate customers' financial difficulties in the event of death, disability or unemployment.
CNP Luxembourg
CNP Luxembourg is a life insurance company created in 2015, and a subsidiary of the CNP Assurances group. It markets a range of life insurance and asset capitalisation offers for individuals and legal entities residing in:
- in Luxembourg,
- in France,
- in Belgium,
- or in Italy.
CNP Assurances has been present in Latin America for more than 30 years, with a first presence in Argentina and then in Brazil in 2001.
The Brazilian market is a priority for our group, which has diversified distribution channels: our "historical" partner Caixa Econômica Federal, more recently Banco de Brasilia, the Brazilian post office Correios, the broker XP, etc.
As the country's third-largest insurer, CNP Assurances has been a pioneer in the microinsurance segment and continues to invest in inclusive products to offer protection tailored to vulnerable populations.
- The Group's subsidiaries in Latin America:
Caixa Vida e Previdência
Caixa Vida e Previdência is a joint venture created in 2021 from CNP Assurances' exclusive partnership with Caixa Econômica Federal, the 2nd largest public bank in Brazil.
It distributes individual and collective retirement products, consumer creditor insurance and personal risk solutions. This subsidiary produces more than 89% of the Group's Brazilian business.
CNP Seguradora
In Brazil, CNP Assurances is also developing its activities in an open model with CNP Seguradora. Created in 2023, this new brand is the result of the acquisition of five insurance companies.
It operates in the protection insurance, capitalization, consórcios and dental insurance segments. It has entered into partnerships with the Brazilian Post Office, financial institutions and brands to distribute its solutions: Correios, XP Investimentos, Banco BRB, Carrefour, etc.
Youse
Launched in 2016, Youse is Brazil's first 100% digital insurance platform. It was born from a joint initiative of CNP Assurances and CAIXA Seguridade, the insurance branch of CAIXA Econômica Federal.
It markets car, home and personal protection insurance solutions to individuals who can customize their contract according to their profile.
With Youse Negócios, it is expanding its scope of development with partnerships signed with brokers and companies on the B2B2C model.
Caixa Consórcio
CAIXA Consórcio is a subsidiary co-owned by CNP Assurances and CAIXA Seguridade. Its portfolio includes real estate consórcios as well as light and heavy vehicle consórcios.
Consórcios insurance is a specific and popular system in Brazil that works as a form of collective savings. It allows its members to take turns acquiring a most often a property or a car, without resorting to a traditional bank loan.
In this way, CAIXA Consórcio offers its customers a planned and interest-free purchase experience.
CNP Seguros
Founded in 1995, the Group's oldest foreign subsidiary has established itself as one of Argentina's leading insurers in life and personal risk insurance. It is co-owned by CNP Assurances and the bank Credicoop.
Its business model is mainly based on alliances with banks and a network of brokers.
CNP Partners
In Southern Europe, the Group is accelerating its development in open model thanks to its subsidiary CNP Partners, which offers its underwriting platform and know-how in Italy, Spain and Portugal. Two product lines have been developed: multi-vehicle asset savings and personal risk/protection.
CNP Assurances
In France, CNP Assurances is a leading player in personal and property insurance. A full-service insurer, it designs savings, complementary health and provident solutions, loan coverage, and property protection.
More than 350 partners, including La Banque Postale and BPCE, distribute them to as many people as possible. Its subsidiaries, such as CNP Protection sociale and CNP Retraite, and its Amétis network also market its solutions to individuals and/or companies.
CNP Santander Insurance
CNP Assurances has signed an exclusive long-term distribution agreement with Santander Insurance SL. This partnership operates in 12 European countries through their joint subsidiary: CNP Santander Insurance.
It offers loan insurance products in particular, designed to alleviate customers' financial difficulties in the event of death, disability or unemployment.
CNP Luxembourg
CNP Luxembourg is a life insurance company created in 2015, and a subsidiary of the CNP Assurances group. It markets a range of life insurance and asset capitalisation offers for individuals and legal entities residing in:
- in Luxembourg,
- in France,
- in Belgium,
- or in Italy.
Caixa Consórcio
CAIXA Consórcio is a subsidiary co-owned by CNP Assurances and CAIXA Seguridade. Its portfolio includes real estate consórcios as well as light and heavy vehicle consórcios.
Consórcios insurance is a specific and popular system in Brazil that works as a form of collective savings. It allows its members to take turns acquiring a most often a property or a car, without resorting to a traditional bank loan.
In this way, CAIXA Consórcio offers its customers a planned and interest-free purchase experience.
Youse
Launched in 2016, Youse is Brazil's first 100% digital insurance platform. It was born from a joint initiative of CNP Assurances and CAIXA Seguridade, the insurance branch of CAIXA Econômica Federal.
It markets car, home and personal protection insurance solutions to individuals who can customize their contract according to their profile.
With Youse Negócios, it is expanding its scope of development with partnerships signed with brokers and companies on the B2B2C model.
CNP Seguradora
In Brazil, CNP Assurances is also developing its activities in an open model with CNP Seguradora. Created in 2023, this new brand is the result of the acquisition of five insurance companies.
It operates in the protection insurance, capitalization, consórcios and dental insurance segments. It has entered into partnerships with the Brazilian Post Office, financial institutions and brands to distribute its solutions: Correios, XP Investimentos, Banco BRB, Carrefour, etc.
Caixa Vida e Previdência
Caixa Vida e Previdência is a joint venture created in 2021 from CNP Assurances' exclusive partnership with Caixa Econômica Federal, the 2nd largest public bank in Brazil.
It distributes individual and collective retirement products, consumer creditor insurance and personal risk solutions. This subsidiary produces more than 89% of the Group's Brazilian business.
CNP Seguros
Founded in 1995, the Group's oldest foreign subsidiary has established itself as one of Argentina's leading insurers in life and personal risk insurance. It is co-owned by CNP Assurances and the bank Credicoop.
Its business model is mainly based on alliances with banks and a network of brokers.
CNP Vita Assicura
Italy, the Group's third largest market after France and Brazil, has solid development ambitions through CNP Vita Assicura
This subsidiary distributes personal protection, savings and investment insurance products. It is based on open model distribution agreements concluded with banking partners such as Fineco and Mediobanca.