Having a positive impact on society and environement

 

Our mission is to make insurance more accessible. We do this by extending the risks covered by our guarantees, writing our contractual documents in a language that everyone can easily understand, and developing personalised assistance and prevention services. Our distribution partners continually help us day after day to design new offers aligned with current needs, and to improve the customer experience thanks to a more fluid insurance process.

• 100% online policy subscription with no medical formalities for loans up to one million euros for our “Cardif Libertés Emprunteur” loan insurance contract

• 80% of customers who select "Cardif Libertés Emprunteur" receiv an immediate decision online

• 10,000 simplified contractual documents in three years in our 33 host countries

 

 

We play an active role in developing green bonds, which make it possible to finance projects with high environmental value. Since 2008, we have applied environmental, social and governance criteria in our investment choices. Among our many actions in favour of the energy transition, we have introduced a carbon filter into our decision-making process to ensure that we are investing in companies that demonstrate a commitment to reducing greenhouse gas emissions.

• Impact investments in 2021 totalled €1.5 billion

• 100% of direct investment choices made according to ESG criteria

 

We comply with European regulation (EU) 2019/2088 called “Sustainable Finance Disclosure” (SFDR) which introduces new disclosure requirements in terms of sustainability both at the level of our legal entity Cardif Assurance Vie and at the level of investment products. 

Find out more about Cardif Assurance Vie disclosure commitments in terms of sustainability.

Discover our Responsible Investment Strategy 2020 (LTE Report) in interactive version.

 

 

 

Because taking care of society means taking care of people, we promote well-being at work, particularly by designing our offices as open, inspiring spaces. To engage with the rapidly changing insurance market, we have a vast training programme focusing on innovation to help our people prepare for the professions of tomorrow.

• 40% of the space available for our employees

• 2000 employees acquired new skills to prepare for the jobs of tomorrow as part of the Skill up program

• In order to people trained in the professions of tomorrow by 2022 To achieve optimal work/life balance, we help our caregivers employees with a personalized support 

 

 

 

We have also taken strong measures to improve gender equality, and we raise awareness among our managers of the need to combat all forms of discrimination and harassment in order to promote a caring professional environment. We want every individual to be able to express themselves and develop their skills without restrictions due to gender, age, origin, sexual orientation or disability.

• 9 women and 10 men are composing our Executive Committee and Board of Directors

• Equal pay index: a score of 87 points out of 100 for 2021 in France

• Presentations for managers in France on the topic of diversity

 

 

 

Our responsibility is not limited to our business or to our own interests. It also extends to our commitments to the community.

We adopt ethical behaviour that that we intend to be exemplary. We ensure, for example, that all our employees have been trained in data protection.

We support general interest projects and encourage skills sponsorship, particularly in the areas of financial education and improving the employability of young people (benefiting 3,400 young people). 

Our responsible real estate strategy is based on two pillars, the first, environmental, aims to reduce the energy consumption and carbon footprint of buildings. The second pillar, social, aims to facilitate access to housing:

• 20,000 new homes financed through the “Fonds de Logement Intermédiaire” (FLI) in France, to allow families to find affordable housing