Protect - To be a responsible insurer
Protecting our clients from risk is a core commitment. We mobilise all our expertises to anticipate, assess, and manage risks effectively, and to provide tailored,high-performance protection solutions that meet the evolving needs of our policyholders.
As a responsible insurer, our mission is to support our clients at every stage of their lives by providing tailored, high-performing, and accessible insurance solutions. We work every day to deliver long-term protection by combining innovation and proximity, placing customer satisfaction at the heart of our strategy. Because each situation is unique, we offer a comprehensive range of solutions tailored to individual needs – whether to prepare for the future, secure one’s assets, or deal with life’s uncertainties.
This year again, in savings life insurance, the remuneration of our euro-funds was highly competitive. Following a significant increase of 114 basis points in 2023, we maintained in 2024 average profit-sharing rate of 3.31%, while preserving a solid reserve level of 6%. We offer a broad and diversified range of euro funds and unit-linked supports, suited to various needs and investment horizons. We have notably developed strong expertise and a dedicated range of solutions in real assets (infrastructure, private equity, and private debt). Since 2019, over 1 billion euros in private unit-linked assets have been raised.
We offer an omnichannel model combining online services, telephone support, and/or assistance in bank branches, with solutions that are easily accessible, with 24/7 access offers and innovative features. Clients can manage their portfolios independently – executing arbitrage operations or making payments entirely online – and access their personalised euro fund profit-sharing rate.
More than 135,000 individual clients from SG bank have already adopted the online service “Mon Compagnon Retraite” to help them plan their retirement in a personalised way.
In protection, we offer accessible, simple solutions tailored to our policyholders’ needs, while ensuring support from our experts in the event of a claim or unexpected situation. Our digital services enhance this closeness by streamlining contract management and offering optimised subscription journeys through our full omnichannel experience.
In 2024, 18% of car and home insurance contracts were sold online and 26% were subscribed via our Customer Relationship Centers.
Finally, we aim to optimise resource use and promote the circular economy. Thus, in 2024, 47% of material damage claims in car insurance involved the use of repaired parts, and 13.3% used parts from the circular economy.
Customer satisfaction is at the core of our development strategy. To make claim declarations easier, we have deployed digital journeys. Our commitment also translates into strengthened prevention initiatives and close, personalised support – particularly during climate-related events – ensuring local presence and client-focused service.
Finally, the increased use of data and the accelerated deployment of artificial intelligence solutions are creating new opportunities. By promoting automation and the continuous optimisation of our processes, we are enhancing the customer experience – both in savings life insurance and protection – and improving the experience of our employees.
Being a responsible insurer means being a partner who protects, supports, and anticipates the needs of its clients.
Find out our concrete actions in Milestones