Who are we?
We are the number one of the Creditor Protection Insurance market with strong positions in savings and protection insurance in 30 countries in Europe, Asia and Latin America.
Thanks to our solutions, our policyholders are able to protect themselves and their families against life contingencies such as accidents, illness, death and job loss. We have also integrated diverse savings solutions into our range to enable individuals to prepare for retirement and protect their family.
Find out how BNP Paribas Cardif is reinventing insurance to make it more accessible in an ever-changing world.
Our key figures
30 Countries
500 Distribution partners
9000 Employees worldwide
287 Bn€ Assets under management
36.4 Bn€ Gross written premiums in 2024
50 Years Of renown experience & expertise
The insurance partner: a unique model
Our product and service offerings are marketed through distribution partners such as banks and credit organisations, car manufacturers, telecommunications companies, mass distribution players and through a network of wealth management advisors (FMAs) and brokers.
Our teams have in-depth knowledge of our distribution partners’ industries, contributing actuarial and data science to provide our partners with solutions that are targeted, innovative and relevant.
- In France, creditor insurance policies are accessible to people living with HIV who are on treatment, without any premium surcharge or exclusions. Eligibility applies for people whose viral load is undetectable when they subscribe the insurance coverage and for loans of up to one million euros.
- In Brazil, the general terms and conditions of creditor insurance contracts have been reduced from 20 to 14 pages.
- In France in 2024, more than 99% of the mortgage loan insurance applications received were accepted and gave rise to an insurance proposal, as part of the contract distributed by BNP Paribas branches.
- In Colombia, + 90% of declarations of unemployment or temporary incapacity for work are approved instantly thanks to Artificial Intelligence.
A strategic plan based in 3 major pillars
In a rapidly changing world (consumption habits, demographic trends, digitalisation, etc.), where new uses and expectations are continually emerging, we persue ongoing transformation to support our clients with the expertise of a solid company resolutely in phase with its times.
3 major pillars underpin our strategic plan and drive our evolution as a company:
- Growth : strengthen Savings & Protection businesses and capture new growth opportunities
- Technology : leverage technology and artificial intelligence to enrich customer experience
- Sustainability : amplify positive impact on the environment and on society
2023 Business Report
Discover the new business report that highlights the actions and initiatives led by BNP Paribas Cardif’s teams in 2023 to make insurance always more accessible around the globe.
