ASSUREURS CRÉATEURS DE CONFIANCE
Full Year 2019 results Analysts Conference Call Replay
Motor, home, agricultural, services, business, professionnals and local authorities
Individual health, individual protection, life insurance – individual savings/pensions, group insurance
Asset management, property management, employee savings, banking
1 person = 1 voice
In the mutual insurance system, members elect their representatives at the local level, who in turn elect their representatives at the regional and national levels. All major decisions are first considered collectively in general meetings, board meetings, committees and working groups.
• More than 300,000 members participate each year in the general meetings of local mutuals. They approve the accounts, are advised of Groupama’s new offers and services, and are encouraged to make comments and suggestions.
• 33,500 directors are elected to represent the 2,800 local mutuals. The local directors, who are all volunteers, act as the interface between customers and the company in order to improve the quality of offers, services and benefits.
The Groupama Group relies on a network of:
As authorised mutual insurance companies, the regional mutuals’ main aim is to reinsure the local insurance mutuals adhering to its bylaws and to facilitate their operation. They have their own sales networks of employees and handle customer relationship management.
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