Insurer profile
CNP Assurances SA
CNP Assurances SA · France
Overview
CNP Assurances is a leading personal and property insurer in France, Europe and Brazil, wholly owned by La Banque Postale, designing and distributing life insurance, savings, retirement, health, personal risk, loan insurance and property & casualty products through a broad network of banking and institutional partners.
Source14
Products in this market
1
Offer pages
Company details
- Parent group
- La Banque Postale
- Regulator
- Autorité de contrôle prudentiel et de résolution (ACPR) — Prudential Supervision and Resolution Authority
- Phone
- +33 1 42 18 88 88
Products from CNP Assurances SA
Health3
Supplementary Health Insurance (Complémentaire Santé)
Modular supplementary health insurance for individuals and companies reimbursing healthcare costs above the statutory health insurance level, offered by CNP Assurances Protection Sociale.
Personal Risk / Accident Insurance (Prévoyance collective)
Group personal risk solutions covering death, incapacity, disability and dependency for employees and civil servants, distributed through provident institutions and mutual insurers.
Long-term Care / Dependency Insurance (Assurance Dépendance)
Insurance covering the risk of loss of autonomy, providing financial support to policyholders requiring long-term care, offered individually or as part of group schemes.
Life4
Life Insurance (Savings & Capitalisation)
Euro-denominated and multi-vehicle life insurance policies enabling policyholders to build savings, grow capital, plan for retirement and prepare asset transfers.
Death and Disability Cover (Prévoyance)
Personal risk insurance covering death, permanent disability, incapacity to work and dependency, providing capital or income to policyholders or their beneficiaries.
Funeral / Death Benefit Insurance (Assurance Obsèques)
Insurance covering funeral costs and providing a lump-sum benefit to beneficiaries on the death of the policyholder.
Personal Risk Insurance for Self-Employed / TNS (Prévoyance TNS)
Personal risk and income protection solutions for self-employed professionals and business owners against accidents, illness and disability.
Financial3
Retirement Savings Plan (PER – Plan d'Épargne Retraite)
Individual and group retirement savings plans allowing policyholders to build supplementary retirement income with tax advantages.
Loan Insurance (Assurance Emprunteur)
Creditor insurance covering mortgage and personal loan repayments in the event of death, disability, incapacity to work or unemployment, distributed through banking partners; CNP Assurances is France's No. 2 in property loan insurance.
Surety / Real Estate Loan Guarantee (Caution Immobilière)
Surety guarantees for real estate loans in the private market, provided by CNP Caution, replacing the traditional mortgage guarantee.
Regulatory updates
CNP Assurances is supervised by the ACPR (Banque de France group) under Solvency II. The company's 2025 annual results, published 27 February 2026, showed a Group SCR coverage ratio of 256% (+19 points vs 31 December 2024), equity of €22.7 billion (+€1.7 billion) and net contractual service margin of €11.6 billion. The SFCR 2025 reports for CNP Assurances Holding and CNP Assurances SA were approved by the respective boards on 31 March 2026 and filed with the ACPR. CNP Assurances Protection Sociale, a new subsidiary launched in partnership with La Mutuelle Générale at the end of 2024, generated €0.9 billion in premium income in its first year and is licensed by the ACPR. The Group also completed strategic disposals in 2025, including the sale of its 51% stake in CNP UniCredit Vita to UniCredit for €619 million (finalised June 2025) and the 2024 sale of its Greece/Cyprus subsidiary to Hellenic Bank.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from La Banque Postale Assurances IARD for the France market, with online purchase and 24/7 assistance.
Last verified May 12, 2026