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.
“Unlike many other groups, CNP Assurances has served this market consistently for the past fifty years. Its commitment to providing support is one of the main factors behind our partnership, together with its financial strength and, today, its focus on innovation.”
We invent pathways for customers by listening to them, sometimes by bringing them in to our offices and getting them to interact with our specialists so that together we can design the perfect customer experience.
The name “Filae” as in “filiation”, passing on your capital to your loved ones.
Secretariat and assistance From desktop productivity to the digital world: the pioneers of sharing practices through networking.
Our values as a public-sector organisation and personal insurer inspire our positive solutions and guide our choices, our initiatives and our investments so that we contribute to a more inclusive and sustainable environment.
BIBLIOTHÈQUES SANS FRONTIÈRES facilitates access to information and education, which everyone needs to reach their full potential, with its new Ideas Box, the library for the 21st century. This kit-based mobile media library reaches out to local communities and can be set up in less than twenty minutes to create a 1OO m2 space equipped with tablets, PCs, books and a cinema screen. Then the discoveries can begin. The CNP Assurances Foundation teamed up with Bibliothèques Sans Frontières to jointly create a special health-themed Ideas Box. Building on an initial successful experience in Boulogne-sur-Mer (Hauts-de-France region), the partners launched a second call for projects for local authorities, and Sarcelles (Île-de-France region) was awarded the second health Ideas Box. It encompasses health-related content prepared by the city’s education unit covering sexual and emotional relationships, access to healthcare and drug use prevention initiatives.
“I was blown away by what can be achieved using technology, impressed by the direct human experience I have had, and proud to bring sign language into everyday use at last.” ANNE GROSSETÊTE, LBP PARTNERSHIP, ANGERS
broker partners In a term creditor insurance market under pressure from regulatory developments and the arrival of new providers, CNP Assurances has set its sights on individual term creditor insurance together with leading wholesale brokers – CBP/iAssure, Assuréa and BPSIs. Three partnerships featuring three innovative offerings underpin CNP Assurances’ open model and its goal of reaching 1O% of the individual term creditor insurance market in France(1).
This very healthy ratio reflects the strength of the Group’s balance sheet.
CNP ASSURANCES’ SHARE PRICE PERFORMANCE Dividends reinvested Period from 31 December 2O12 to 31 December 2O18 up 57.8% CAC 4O