Having a positive impact on society and environement

Our mission is to make insurance accessible to the greatest possible number of people. 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.

• 85: the maximum age for subscribing for a death benefit as part of our “Cardif Liberté Emprunteur” loan insurance contract

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

• 88%: rate of immediate acceptance in France for loan insurance thanks to an online questionnaire

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.

• Committed to reach €11,5 billion of green investments at end of 2024€
• 3.7 billion of green investments at end of 2019 (France)
• 100% of direct investment choices made according to ESG criteria
• 30% reduction in energy consumption in our directly-owned properties in France by 2020

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 will be collaborative by 20201,
• 200 people trained in the professions of tomorrow by 2022
• 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.

• Parity between men and women in our Executive Committee and Board of Directors
• Equal pay index: a score of 98 points out of 100 for 2019 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). We take measures to reduce CO2 emissions from our activities. We aim to reduce our CO2 emissions by 10% worldwide by 2020.

• 10,000 new homes financed through the “Fonds de Logement Intermédiaire” (FLI) in France, to allow families to find affordable housing
• 70 social economy companies will have been financed by 2020