Mr McCarten has terminal cancer.

His company, Unite Support Services, was put into liquidation last year with unpaid bills totalling $152,801 to creditors, including at least $100,000 to Inland Revenue.

Mr McCarten said his insurance policy was worth about $230,000 and he had learned only recently that it could be sold off for somebody else to collect on after he died, giving him money in the hand.

“I didn’t know people did that. so I said I must be a prime candidate.”

the National Business Review reported this week that Mr McCarten was considering selling his life insurance policy. the paper learned of its existence in the most recent insolvency report.

Mr McCarten said he was doing other work to pay off the debt, but it would take time.

last September, he was told the cancer had spread to his liver and he had a 0.8% chance of survival. he was given between six weeks and six months to live.

“So if someone wants to buy my life insurance, great. It’s a good investment because my percentages aren’t great. and I don’t want to die with debt, and certainly not to the taxpayer.”

Mr McCarten said he had taken out the policy when he first set up the business, before he was diagnosed with cancer. the main beneficiary was the Unite Union.

after doctors gave him only up to six months to live, he said he had known the insurance policy would cover the debts.

“But I haven’t died yet, against all conventional wisdom.

“It’s black humour, of course, but if I had died, it would be fine. the debts would be paid. There’s something very surreal about it.”

Investment Savings and Insurance Association chief executive Peter Neilson said selling life insurance in such a way was possible, although it was not common. it could happen both in cases of receivership or terminal illness.

the policy would be onsold and the buyer would collect after the person named in the policy died.

“It’s a bit macabre in one sense but basically, it is a way of helping people who are in a difficult position,” Mr Neilson said.

most insurance companies would pay out money in advance in cases of terminal illness, he said, although that depended on the policy.

Mr McCarten said there was provision for his insurance company to pay out early in cases of terminal illness but his cancer had not yet reached stage four, which would trigger that.

he said that when he was first diagnosed with cancer in 2010, he had kept on staff and allowed the bills to rise during his treatment, believing he would return to the business to make up lost ground.

however, the cancer had spread, making that impossible.

Insolvency and Trustee Service spokesman Alastair Stewart said although the company had paid the premiums on the life insurance, the policy was in Mr McCarten’s name so was not a company asset.

he said the liquidator was investigating whether Mr McCarten now owed money to the company for the cost of the premiums.

In order to assess the prices associated with life assurance compare life insurance the very first thing you should do should be to decide on a few top class insurance providers exactly who provde the best policies and also have great popularity available in the market. there are several insurance firms available in the market that claim to be the best. and you need to be determined by the market evaluation whilst choosing the right one particular yourself and your family. though deciding on review life insurance coverage prices, it becomes advisable to take a look at his or her internet websites, give a extensive evaluate their particular provides, the help people give, his or her online privacy policies and learn what precisely they are offering you and your loved ones.

You need to get at the very least several like sites as part of your fretting hand as you compare life insurance want to compare life insurance coverage costs. by applying for your life insurance coverage quotation you can obtain the idea of the amount of coverage specifically you can find on the insurance plus like that it is possible to decide regardless of if the give of the company is good for you or you will need some other internet sites. After getting quotations coming from all the businesses that you have got initially picked you can certainly examine his or her delivers and select the most appropriate one in your case. It is advisable to have at least 5 such websites the most appropriate one for you.

If this forces you to as well mixed up to find the appropriate option for your way of life insurance policy then life insurance quotes online you possibly can use an authority insurance firm. they could aid you in having the best insurance coverage for you personally. The broker will certainly have an understanding of a person’s want to see the particular quotes appropriate for people made available from a variety of insurance households plus make it easier to select the best brand out there with their encounter and data in this particular subject. The employment is usually to work with you review life assurance costs of numerous companies. its objective is to useful funds as well as bring you the very best protection bargain of your industry.

Revenue: €30.0 billionPositive net new money in France in all four QuartersStrong operating momentum (EBIT up 17.4%)Net profit: €872 million, affected by asset impairments in the third QuarterMarket Consistent Embedded value: €20.0 per share

CNP Assurances, the leading personal insurer in France, with operations in the rest of Europe and in South America, has announced its 2011 revenue and earnings.

• Firm business volumes in a difficult environment. CNP Assurances outperformed the Life and Pensions market in France and continued to enjoy strong momentum in Brazil. Revenues were up in the Pensions, Personal Risk and Term Creditor Insurance segments
• Solid growth in operating indicators, lifted by higher technical reserves[1] (up 4.4%) and sound cost discipline (with a 1.8-point improvement in the Group’s cost/income ratio to 37%): net insurance revenue up 12.4% and EBIT up 17.4%.
• Net profit of €872 million (down 17%) after impairment charges of €332 million including the 70% haircut[2] on Greek sovereign debt
• MCEV up 2% to €20.0 per share and APE ratio stable at 12.3%

Gilles Benoist, Chief Executive Officer, said:

“In last year’s adverse environment, CNP Assurances demonstrated its ability to maintain operating performance by controlling costs and adjusting policyholder dividends. this reflects the Group’s prudent management approach and its focus on reducing its exposure to financial risks.”

1. 2011 Business Review[3]

Consolidated revenue amounted to €30.0 billion in 2011, a decline of 7.1% compared with the previous year. this was mainly due to the Savings business, which experienced a 13.4% fall in revenue. By contrast, the Pensions and Personal Risk businesses both enjoyed double-digit growth, with rises of 17.7% and 11.0% respectively. In Pensions, part of the increase was attributable to a major contract in Ireland. Term Creditor Insurance revenues were also up, by nearly 4% or 14.0% excluding the impact of the discontinued partnership with Cofidis.

IFRS French GAAP Revenue % change % change (EURm) 2011 2011 Savings 20,420.0 – 13.4 21,203.2 – 13.1 Pensions 3,720.4 + 17.7 3,817.1 + 12.9 Personal Risk 1,917.5 + 11.0 1,917.5 + 10.9 Term Creditor Insurance 3,140.9 + 3.9 3,140.9 + 3.9 Health Insurance 465.8 – 3.0 466.7 – 2.8 Property & Casualty 340.5 + 1.7 340.5 + 1.7 TOTAL 30,005.1 – 7.1 30,886.0 – 7.4

Although revenue in France was down 9.1% on a French GAAP basis, this was significantly less than the 14.0%[4] fall in the domestic Life and Pensions market in 2011. with its revenue contribution up 13.0%, Brazil confirmed its role as a key driver of business growth for the Group.

IFRS French GAAP Revenue

(EURm) 2011 % change 2011 % change France 23,864.0 – 8.7 23,965.0 – 9.1 Italy (1) 2,062.3 – 22.5 2,346.0 – 20.9 Portugal (2) 224.0 + 2.8 297.2 – 16.3 Brazil (3) 2,764.2 + 13.0 3,177.0 + 12.9 Argentina (3) 31.7 + 84.8 31.7 + 84.8 Spain (4) 397.6 – 32.0 397.6 – 32.0 Cyprus 210.4 + 3.7 220.5 + 7.9 Ireland 449.9 – 449.9 – other (5) 1.0 – 97.2 1.0 – 97.2 Total International 6,141.0 – 0.7 6,920.9 – 1.1 TOTAL 30,005.1 – 7.1 30,886.0 – 7.4 (1) CNP Italia branch, CNP UniCredit Vita and CNP BVP Italy.

(2) CNP BVP Portugal (change in consolidation scope in 2010) (3) Based on exchange rates at 31 December 2011 (4) CNP España branch, CNP Vida and CNP BVP Spain. (5) Cofidis Romania.

Consolidated sales of unit-linked products rose 6.2% in 2011. these products represented just under 10% of Savings/Pensions revenue in France and 18.4% overall.

Average technical reserves excluding deferred participation rose by 4.4%.

Technical reserves at 31 December 2011, including deferred participation, stood at €288.7 billion, an increase of 0.2% after taking into account a deferred participation asset of €621 million.

Net new money came to €4.1 billion.

• France[5]

In 2011, revenue in France declined by 9.1% to €24.0 billion under French GAAP. Over the same period, the domestic Life and Pensions market fell by 14%. as a result, CNP Assurances’s market share rose to 17.4% from 16.8% in 2010, on a new money basis.

The downturn in France was mainly due to the Savings segment, which contracted by 11.7%. By contrast, Term Creditor Insurance was up 3.1% and Personal Risk by a very healthy 11.0% over the twelve-month period.

CNP Assurances’s net new money from the Savings business was a positive €2,641 million in 2011, giving the Group 34.9% of the market. Net money remained positive even in the fourth quarter.

Revenue generated by La Banque Postale totalled €10.2 billion in 2011, down by a slight 4.1% on 2010 in a difficult market environment. Sales of the life insurance offer for more affluent customers continued to grow at a brisk pace, while the shift towards unit-linked products continued, with sales up 20% over the past two years. The Personal Risk business held up well, as did the Term Creditor Insurance business.

The Savings Banks’ contribution to consolidated revenue declined by 16.5% to €8.8 billion.

The proportion of unit-linked sales remained high at 15.6% of the total, supported by the marketing of five unit-linked funds invested in bonds issued by BPCE.

Personal Risk and Term Creditor Insurance revenue increased, led by the new funeral insurance offer for which monthly sales are running at around 1,300 contracts.

CNP Trésor generated revenue for the year of €669 million. The 8.7% decline compared with 2010 was less than the fall in the market and should be set against the high basis of comparison created by two exceptional sales in 2010. Excluding the effect of these contracts, new money was broadly stable in 2011.

D. Financial Institutions

The revenue contribution of the Financial Institutions partnership centre amounted to €1.45 billion, a decline of 4.8% versus 2010 that was mainly due to the loss of the Cofidis contract. Excluding the Cofidis effect, underlying revenue was up 7.3%.

This performance was achieved in a year when the number of real estate transactions declined but interest rates were still low and loan books were stable.

During the year, CNP Assurances consolidated its existing partnerships and strengthened its position as an insurer of loans granted under the “1% logement” government housing scheme, through an agreement with the Sud Est Group, one of the scheme’s administrators.

E. Companies & Local Authorities

Revenues in this segment declined by a modest 2.0% to €1.7 billion. Performances varied, with an increase in employee benefits revenue in the corporate segment but a fairly marked fall in group pensions business due to the high basis of comparison created by the sale of a major contract in 2010.

The Mutual Insurers partnership centre lifted its revenue contribution by 15.4% to €974 million, including €332 million generated by MFPrévoyance.

Several mutual insurers strengthened their ties with CNP Assurances in 2011, particularly in the areas of long-term care insurance and death cover.

• International operations[6]

International revenue remained stable in a year of crisis in Europe, amounting to €6,141 million under IFRS (down 0.7% or 0.3% at constant exchange rates) and €6,921 million under French GAAP (down 1.1%)[7].

Excluding the effect of the discontinued partnership with Cofidis, which represented revenue of €99 million in 2010, international revenue was up 0.8%.

In all, international operations contributed 20% of total Group revenue.

Growth drivers included Caixa Seguros in Brazil, which enjoyed another year of double-digit growth in 2011 with revenue up 13%. Demand in international markets for the products that create the most value was also strong, with Pensions revenue up 38% thanks to the sale of a major group contract in Ireland, Personal Risk revenue up 11% and Term Creditor Insurance up 6.8% (26% excluding the effect of the discontinued Cofidis business). Performance was dragged down by the Savings business, which contracted by 24.5% due mainly to the unfavourable economic environment and competition from bank products in Europe. The proportion of unit-linked sales remained high, with over one in two Savings/Pensions products sold in international markets including a unit-linked formula.

A. Caixa Seguros (Brazil)

The overall insurance market in Brazil continued to expand rapidly in 2011, led by favourable demographic trends and the growing middle class.

For its part, Caixa Seguros reported revenue up 13% in 2011 to €2,764 million (reflecting a 14% increase in local currency). Growth was in the double digits across all business lines except for Property & Casualty (up 1.5%). Savings revenue grew 18%, Pensions business (over 60% of new money) 12.8%, Personal Risk 13.5% and Term Creditor Insurance 25.5%.

B. CNP UniCredit Vita (Italy)

The Italian life insurance market contracted sharply in 2011, due to competition from bank products. Note that bancassurers hold 75% of the life market. CNP UniCredit Vita’s performance was in line with the market trend, with revenue down 31.3% to €1,699 million. Savings business, which accounts for the bulk of revenue, fell by a steep 33.6%.

Highlights of the year included the successful launch of a high-end product in July and healthy growth in term creditor insurance revenue, up 29.5% to €103 million.

C. CNP Barclays Vida y Pensiones (Portugal, Spain and Italy)

CNP BVP operates in the markets of Southern Europe that were particularly badly hit by the crisis. Despite this difficult environment, it reported revenue up 19.6% at €727 million. The main growth driver was Italy, where revenue more than doubled to €297.4 million thanks to the success of BLIP, a new traditional savings product with a unit-linked formula, and expansion of the term creditor insurance business.

D. CNP Marfin Insurance Holding (Cyprus/Greece)

CNP Marfin delivered a resilient performance in last year’s very troubled economic environment. Revenue rose 3.7% to €210 million, of which over 90% was generated in Cyprus. In 2011, CNP Marfin consolidated its leadership of the Cyprus market, with shares of 28.8% in the Life segment and 17% in the Non-Life segment (based on statistics up to end-September). In all, 40% of CNP MIH’s revenue came from the Savings business which enjoyed 6% growth in 2011.

2. 2011 Results

Net insurance revenue rose by 12.4% in 2011 to €3,129 million. The two main drivers of growth were:

• Strong operating momentum. In France, net insurance revenue increased across all main business lines. outside France, Brazil remained a major contributor to net insurance revenue growth, thanks to higher revenues and technical reserves, while in Southern Europe, changes in product mix had a favourable impact.
• Higher net insurance revenue from the own funds portfolio, reflecting the 32.8% growth in revenue generated by increased dividends and improved yields on fixed income investments.

Administrative expenses were up by a modest 1.4% as a result of business growth, particularly in international markets. In France, excluding the effect of the first-time consolidation of MFPrévoyance, administrative expenses were down 1.2%. The cost/income ratio[8] improved by 1.8 points to 42.5%. The ratio for international operations was 29.9%, representing a 4.7-point improvement.

EBIT rose 17.4% to €2,243 million, reflecting the combined effects of higher net insurance revenue and tight cost discipline. All business lines reported gains, with Savings EBIT up 6.7%, Pensions EBIT 3.7 times higher, Personal Risk EBIT up 1.2% and EBIT from own funds portfolios up 48.2%.

Net profit was dampened by impairment charges resulting from deteriorating financial markets-particularly in the third quarter-and the Greek sovereign debt haircut. In all, impairment charges booked by the Group in 2011 totalled €332 million. The Greek sovereign debt portfolio was written down by 70% at 31 December 2011, representing a net loss for shareholders in 2011 of €60 million. In addition, an impairment loss of €75 million was recorded on CNP UniCredit Vita due to financial market conditions in Italy.

CNP Assurances ended the year with consolidated net profit down 17% at €872 million.

The policyholders’ surplus reserve stood at €2,886 million at 31 December 2011, unchanged from the year-earlier figure.

Return on Equity declined to 8.8% from 10.9% in 2010 as a natural result of the decrease in profit.

In light of these results, the Board plans to recommend setting the dividend at €0.77 per share, with a scrip payment option.

2011 Income Statement

% 2011 2010 change EURm EURm Revenue 30,005 32,315 – 7.1% Net insurance revenue 3,129 2,785 + 12.4% – Expenses (886) (874) +1.4% EBIT 2,243 1,911 + 17.4% – Finance costs (150) (95) + 57.8% – Income tax expense (720) (619) + 16.3% – Minority interests (264) (235) + 12.2% Recurring profit before capital gains and losses 1,109 961 + 15.4% Net realised (losses) gains on equities and investment property (144) 106 – fair value adjustments to trading securities (93) 10 – Non-recurring items (1) (27) – Net profit 872 1,050 – 17.0%

3. Embedded value at 31 December 2011

At 31 December 2011, Market Consistent Embedded value (MCEV) amounted to €20.0 per share after dividends. The 2% increase compared with MCEV after dividends at the previous year-end demonstrated the Group’s ability to create value even in a difficult environment.

It reflected a 10% increase in ANAV attributable to the inclusion of profit for the year. VIF was down 21%, due to the decline in net new money, volatile and riskier financial markets.

2011 2010 In EUR per In EUR per share share % change (before (after dividends) dividends) Market Consistent Embedded value 20.0 19.6 +2.0% Adjusted net asset value (ANAV) 15.8 14.4 +10.0% value of In Force Business (VIF) 4.1 5.2 -21.0%

The value of new business (NBV) amounted to €362 million, a decline of 8% that was in line with the reduction in annual premium equivalents (APE), mainly as a result of lower revenues in the French market.

The NBV/APE ratio was stable at 12.3%.

4. Solvency capital

The solvency capital requirement under Solvency I was covered 1.15 times based on Tier 1 capital at 31 December 2011, and 1.35 times including unrealised gains. these figures include the assumption of the scrip dividend payment option.

Premium Income by Partnership Centre

IFRS French GAAP 2011 2010 % 2011 2010 % EURm EURm change EURm EURm Change French Post Office 10,183.1 10,613.1 – 4.1 10,185.8 10,616.6 – 4.1 Savings Banks 8,807.8 10,548.3 – 16.5 8,809.5 10,550.4 – 16.5 CNP Trésor 669.6 733.4 – 8.7 669.6 733.4 – 8.7 Financial Institutions France 1,448.3 1,521.8 – 4.8 1,448.3 1,521.8 – 4.8 Mutual Insurers 974.4 844.5 + 15.4 974.4 844.5 + 15.4 Companies and Local Authorities 1,696.6 1,730.5 – 2.0 1,793.3 1,951.6 – 8.1 others (France) 84.1 137.5 – 38.8 84.1 137.5 – 38.8 TOTAL France 23,864.0 26,129.2 – 8.7 23,965.0 26,355.9 – 9.1 CNP Seguros de Vida (Argentina) (1) 31.7 17.1 + 84.8 31.7 17.1 + 84.8 CNP Vida (Spain) 172.6 242.0 – 28.7 172.6 242.0 – 28.7 Caixa Seguros (Brazil) (1) 2,764.2 2,445.8 + 13.0 3,177.0 2,814.0 + 12.9 CNP UniCredit Vita (Italy) 1,698.8 2,472.9 – 31.3 1,982.5 2,778.5 – 28.6 Marfin Insurance Holdings ltd (Cyprus) 210.4 202.9 + 3.7 220.5 204.4 + 7.9 CNP Europe (Ireland) 449.9 23.4 + 1 821.2 449.9 23.4 +1 821.2 CNP BVP (Portugal – Spain – Italy) (2) 727.1 608.2 + 19.5 800.4 745.7 + 7.3 Financial Institutions outside France (3) 3.5 99.3 – 96.5 3.5 99.3 – 96.5 Branches 82.8 74.3 + 11.4 82.8 74.3 + 11.4 TOTAL International 6,141.0 6,185.9 – 0.7 6,920.9 6,998.8 – 1.1 TOTAL 30,005.1 32,315.1 – 7.1 30,886.0 33,354.7 – 7.4 (1) Average exchange rates Argentina: EUR1 = ARS 5.7091 Brazil: EUR1 = BRL 2.3458 (2) of which CNP BVP Portugal up 23.9%, CNP BVP Spain down 31.3% and CNP BVP Italy up 131.5% under IFRS (2) The business of writing creditor insurance for Cofidis under the EU freedom of services directive was discontinued on 1 January 2011 and the related contracts will generate no further revenues.

Premium Income by Business Segment

IFRS Premium income 2011 Like-for-like (EUR millions) 2011 2010 % change (1) Savings 20,420.0 23,587.3 – 13.4 20,421.5 Pensions 3,720.4 3,160.5 + 17.7 3,735.9 Personal Risk 1,917.5 1,727.7 + 11.0 1,726.0 Creditor Insurance 3,140.9 3,024.5 + 3.9 3,009.7 Health Insurance 465.8 480.3 – 3.0 465.9 Property & Casualty 340.5 334.8 + 1.7 343.1 TOTAL 30,005.1 32,315.1 – 7.1 29,702.0

French GAAP Premium income 2011 Like-for-like (EUR millions) 2011 2010 % change (1) Savings 21,203.2 24,404.5 – 13.1 21,209.0 Pensions 3,817.1 3,381.6 + 12.9 3,832.6 Personal Risk 1,917.5 1,728.9 + 10.9 1,726.0 Creditor Insurance 3,140.9 3,024.5 + 3.9 3,009.7 Health Insurance 466.7 480.3 – 2.8 466.8 Property & Casualty 340.5 334.8 + 1.7 343.1 TOTAL 30,886.0 33,354.7 – 7.4 30,587.1

(1) Average exchange rates for Brazil At 31 December 2011 EUR1 = BRL2.3458 At 31 December 2010 EUR1 = BRL2.3286

Unit-Linked Sales

IFRS French GAAP 2011 2010 % 2011 2010 % EURm EURm change EURm EURm change French Post Office 539.7 507.9 + 6.3 542.3 511.4 + 6.1 Savings Banks 1,271.1 1,392.6 – 8.7 1,272.7 1,394.8 – 8.7 CNP Trésor 22.2 31.8 – 30.0 22.2 31.8 – 30.0 others 5.8 7.5 – 22.9 5.8 7.5 – 22.9 TOTAL individual unit-linked France 1,838.9 1,939.8 – 5.2 1,843.1 1,945.4 – 5.3 Group unit-linked France 24.9 23.3 + 7.0 121.6 244.4 – 50.2 TOTAL France 1,863.8 1,963.1 – 5.1 1,964.8 2,189.8 – 10.3 CNP UniCredit Vita 702.1 316.0 + 122.2 985.9 621.6 + 58.6 Caixa Seguros 1,578.1 1,496.1 + 5.5 1,578.1 1,496.1 + 5.5 CNP Vida 78.3 112.5 – 30.4 78.3 112.5 – 30.4 Marfin Insurance Holdings ltd 68.6 73.5 – 6.6 77.8 73.7 + 5.6 CNP Europe 6.4 23.4 – 72.9 6.4 23.4 – 72.9 CNP BVP (Spain – Portugal – Italy) [(1)] 141.9 196.2 -27.7 215.2 460.0 – 53.2 TOTAL International 2,575.5 2,217.6 + 16.1 2,941.7 2,787.3 + 5.5 TOTAL Unit-linked 4,439.3 4,180.7 + 6.2 4,906.5 4,977.1 – 1.4

(1) of which CNP BVP Spain down 44.9%, CNP BVP Portugal stable and CNP BVP Italy up 8.4%% under IFRS

Premium Income by Insurance Category

IFRS French GAAP 2011 2010 % 2011 2010 %

EURm EURm change EURm EURm change

Individual insurance products 23,390.8 26,515.5 – 11.8 24,174.0 27,332.7 – 11.6 Group insurance products 6,614.3 5,799.7 + 14.0 6,711.9 6,022.0 + 11.5 TOTAL 30,005.1 32,315.1 – 7.1 30,886.0 33,354.7 – 7.4

2011 Premium Income by Country and by Business Segment

Savings Pensions Personal Risk EURm 2011 % chg. 2011 % chg. 2011 % chg. France 18,058.7 -11.7 1,457.7 -4.1 1,439.9 11.0 Italy (1) 1,763.6 -28.4 16.4 -6.2 7.2 -2.4 Portugal (2) 200.0 29.2 0.0 – 0.3 -86.4 Spain (3) 222.0 -33.7 104.1 -10.5 11.4 -22.0 Cyprus 84.3 6.0 0.0 – 31.8 1.9 Ireland 6.4 -72.9 443.6 – 0.0 – others Europe (4) 0.0 – 0.0 – 0.0 – Brazil 81.1 18.0 1,698.6 12.8 419.2 13.5 Argentina 4.0 10.4 0.0 – 7.7 33.2 Sub-total Inter-

national 2,361.3 -24.5 2,262.7 38.0 477.5 11.0 TOTAL 20,420.0 -13.4 3,720.4 17.7 1,917.5 11.0 (1) CNP Italia branch, CNP UniCredit Vita and CNP BVP Italy (2) CNP BVP Portugal (3) CNP España branch, CNP Vida and CNP BVP Spain (4) Cofidis Romania

Creditor Health Property & insurance Insurance Casualty Total EURm 2011 % chg. 2011 % chg. 2011 % chg. 2011 % chg. France 2,465.6 3.1 442.1 -3.8 0.0 – 23,864.0 -8.7 Italy (1) 275.1 59.3 0.0 – 0.0 – 2,062.3 -22.5 Portugal (2) 23.7 -61.1 0.0 – 0.0 – 224.0 2.8 Spain (3) 60.1 -49.4 0.0 – 0.0 – 397.6 -32.0 Cyprus 6.7 -14.5 22.6 8.0 65.0 2.6 210.4 3.7 Ireland 0.0 – 0.0 – 0.0 – 449.9 – others Europe (4) 1.0 -97.2 0.0 – 0.0 – 1.0 -97.2 Brazil 288.8 25.5 1.0 – 275.6 1.5 2,764.2 13.0 Argentina 20.0 157.9 0.0 – 0.0 – 31.7 84.8 Sub-total Inter-

national 675.3 6.8 23.6 12.8 340.5 1.7 6,141.0 -0.7 TOTAL 3,140.9 3.9 465.8 -3.0 340.5 1.7 30,005.1 -7.1 (1) CNP Italia branch, CNP UniCredit Vita and CNP BVP Italy (2) CNP BVP Portugal (3) CNP España branch, CNP Vida and CNP BVP Spain (4) Cofidis Romania

CNP UniCredit Vita Premium Income

EURm IFRS French GAAP % %

MARKET SEGMENT 2011 change 2011 change Savings 1,571.9 -33.6 1,855.6 -30.6 Pensions 16.4 -6.2 16.4 -6.2 Personal Risk 7.2 -2.4 7.2 -2.4 Creditor insurance 103.2 +29.5 103.2 +29.5 TOTAL 1,698.8 -31.3 1,982.5 -28.6

Caixa Seguros Premium Income

BRLm IFRS French GAAP MARKET SEGMENT 2011 % change 2011 % change Savings 190.8 + 19.4 1,159.6 + 14.1 Pensions 3,982.1 + 13.5 3,982.1 + 13.5 Personal Risk 982.9 + 14.2 982.9 + 14.2 Creditor Insurance 679.1 + 27.1 679.1 + 27.1 Property & Casualty 646.9 + 2.5 646.9 + 2.5 Health Insurance 2.5 – 2.5 – TOTAL 6,484.2 + 13.9 7,453.0 + 13.8

CNP BVP Premium Income

EURm IFRS French GAAP MARKET SEGMENT 2011 % change 2011 % change Savings 473.7 + 22.5 547.0 + 4.4 Pensions 93.2 – 16.5 93.2 – 16.5 Personal Risk 11.5 – 14.9 11.5 – 14.9 Creditor Insurance 148.7 + 54.3 148.7 + 54.3 TOTAL 727.1 + 19.6 800.4 + 7.3

2012 Investor Calendar

• First quarter 2012 revenue and profit indicators: Friday, 11 may 2012 at 7:30 am
• Annual General Meeting: Thursday, 7 June 2012 at 2:00 pm at Palais des Congrès in Paris
• First-half 2012 revenue and net profit: Friday, 27 July 2012 at 7:30 am
• Nine-month 2012 revenue and profit indicators: Wednesday, 14 November 2012 at 7:30 am

This press release, as well as the consolidated financial statements, the management report and the embedded value report are available in French and English on the CNP Assurances financial web site, cnp-finances.fr

Disclaimer: some of the statements contained in this press release may be forward-looking statements referring to projections, future events, trends or objectives that, by their very nature, involve inherent risks and uncertainties. Actual results could differ materially from those currently anticipated in such statements by reason of factors such as changes in general economic conditions and conditions in the financial markets, legal or regulatory decisions or changes, changes in the frequency and amount of insured claims, particularly as a result of changes in mortality and morbidity rates, changes in surrender rates, interest rates, foreign exchange rates, the competitive environment, the policies of foreign central banks or governments, legal proceedings, the effects of acquisitions and the integration of newly-acquired businesses, and general factors affecting competition.

Further information regarding factors which may cause results to differ materially from those projected in forward-looking statements is included in CNP Assurances’ filings with the Autorité des Marchés Financiers. CNP Assurances does not undertake to update any forward-looking statements presented herein to take into account any new information, future event or other factors.

1. Average technical reserves (excluding deferred participation)

2. Impact of Greek debt impairment charges on the income statement: €60 million net of tax and policyholder participation.

3. unless otherwise stated, all data is presented on an IFRS basis.

4. Source: FFSA statistics, January 2012

5. see also the analyses in the Appendix

6. see also the analyses in the Appendix

7. Differences in revenue between French GAAP and IFRS are due to the fact that for investment contracts without DPF, only the loading is recognized in revenue in the IFRS accounts, in accordance with IAS 39. The main countries affected by the application of IAS 39 are Italy and Portugal.

8. Ratio of administrative expenses to net insurance

Press RelationsFlorence de Montmarin+33(0)1-42-18-86-51Tamara Bernard+33(0)-1-42-18-86-19e-mail :

Investor and Analyst RelationsJim Root+33(0)1-42-18-71-89Annabelle Beugin-Soulon+33(0)1-42-18-83-66Jean-Yves Icole+33(0)1-42-18-94-93E-mail :

SOURCE CNP Assurances

Perhaps a husband died, and his wife and children now have no income and are left with a mortgage, car payments, education funds, and countless other financial burdens. if he had compared term life insurance prices and found a policy that fit his budget, his family would be taken care of.

Maybe the husband isn’t the breadwinner of the family, which is something that is more and more common these days. it becomes very important for the wife to have an insurance policy as well. even if she isn’t the primary source of income, she will still be leaving behind costs when she dies. Regardless of her burial and memorial plans, they all come at a cost, and as unexpected as death is, the financial portion of it is even more unexpected.

Term life insurance prices are becoming more affordable as time goes along. No matter your budget or needs, you can find a nice fit for what you want, or need, to spend. now is the time to research and purchase, prices are at a recent low.

Even if you are older, have medical problems, or other conditions that may hinder your ability to find an affordable insurance policy. You can even find policies that don’t require a medical exam. even if your policy does require a medical exam, they are easier than ever. Most of the time the examiner comes to your home a performs the exam, at a time that’s convenient for you.

All of this information will come when comparing term life insurance prices to find your ideal policy. Death is a stressful time in a person’s life, obviously for the person who died, but more importantly for their loved ones that are left behind. Compare prices now to invest in their future.

As the economy has had its struggles, prices in various goods and services have fluctuated. Term life insurance prices are one thing that has gone down. it is more affordable than ever to purchase a policy. Regardless of if you need 2,000 dollars to just cover a cremation to one million dollars to cover your home, child’s education, car pay offs, an elaborate funeral and burial, and other expenses; there is a policy to fit your needs and your monthly budget.

There are so many unexpected moments in life, don’t let losing someone do double the damage. Research term life insurance prices now and choose the perfect policy for your needs, don’t let a financial burden take you by surprise.

The developers of the internet deserved the gratitude of the people of today. no one can deny the fact that it has been of great help to almost all industries including insurance. it has made the transactions simpler, not to mention faster. You can get life insurance quote on line, saving you all the time, money and effort that you have to set aside in the event that there is a need to go to offices of different insurance firms. of all the policies that have been offered, it is most likely the term insurance that is least expensive. this is the first and foremost the reason why it is on top of the list of people who have limited purchasing power.

The instant term life insurance quotes can be sent to your mobile on a daily basis. that means you can now compare daily and get the best quote. Life can be tough balancing routine expenses and mortgage but ignoring insurance is not a wise decision. Term life allows you to get simple insurance which has no cash accruals. but you have the assurance of safety and security that will be so helpful for you to decide on the future needs of your family. Nothing may go wrong and the sum assured will come to you at the right time when you want to fund something very important.

Life insurance is so very important:

1. There are different plans that will fit your needs from universal life insurance to term life policies. 2. It puts your worries about the financial security of your family at rest. 3. Low cost term plans fits any budget as it’s really affordable. 4. The money can be set aside for significant expenditures like your kids’ education or payment of the mortgage. 5. Payment modes are made simpler

Insurance plans teach you not only regarding your finances but what is more important as well. You will not earn much in permanent policies compared with other money-generating investments but you will be able to secure the financial comfort of the people who matter most by owning a plan. some policies such as term plans may not even accrue cash over time but you can count on it particularly on your short-term needs. if you would only think of their welfare, you will realize that you have never paid for something more worthwhile. Remember that you will not need it only if you have such deep pockets.

The agents at the insurance company understand your need to compare quotes. this is a common way you can save money. the life insurance quote on line helps you know the premium amount. While you want to maximize your savings with low expenses, you must make it a point to avail of a low cost and get the best insurance scheme for your family. Money is important and hence you must save it in the best possible way. it is wonderful that term life has the dual benefit of a cost saving scheme and it will also give you the assurance of security. After saving on so many things you have the privilege of saving money on insurance too. Click on the calculator to find the premium.

Safety for your family especially after you are not there is so very important. there could be so many mandatory expenses and other life style needs which may have to be compromised if there are no funds left in an event when you are not there. that is really a sad situation! but with term life, you can shop for a small and simple scheme and get the instant term life insurance quotes which will help you so much. a good scheme can give you a good night’s sleep! You have always been responsible to provide the very best to your family. Look up for quotes continuously so that you arrive at the low priced quote that fits so perfectly in your small budget.

Article by David Livingston of EQuote, who is a specialist in everything life insurance. For more information on term life insurance for seniors and seguro de vida usa, visit his site today.

When you request for a life insurance quote on line for a term insurance policy, you must first compare these quotes that will provide the rates from different companies. you must give top priority to the needs of your family when requesting term insurance quotes. So, do not only look for low rates. this may result in you not getting enough coverage for your future family needs. Compare your term insurance quotes based on coverage, reputation of the company, customer reviews and such.  getting affordable insurance is important and getting it from a good insurance company is also equally important.

So, when you request for cheap term life insurance quotes either from online sources or through insurance agents, you will receive a list of the various types of plans available. Understand each plan. this will help you decide which the best one for your family is. some of the types of term life insurance available are:

The decreasing term insurance as the name suggests offers decreasing death benefit that will result in cheaper premiums the longer the policy is valid.  this is useful to pay off mortgage loans, business loans or credit card payments.  Guaranteed term is also known as no medical term life insurance where an applicant is eligible for coverage even without a medical certificate.  while this provides guaranteed coverage, it has certain limitations like a death benefit cap of $50,000 and claims not being paid if the policyholder dies within 2 years of purchasing the policy.   

Level term is the most popular of all term insurance plans. It can be taken for fixed periods ranging from 5-30 years. The premiums will remain constant throughout the term even if the policyholder’s medical condition changes for the worse.  ROP or return of premium insurance refunds all premiums plus interest at the end of the term if the holder is still alive. this is a great benefit for when term life insurance was first introduced. Policyholders were not eligible for any premium returns if they outlived the term.

Instant term life is useful for those who are busy and do not find time to visit insurance offices or appear for lengthy medical tests. It provides short term coverage for small amounts of less than $50,000 cheaply and quickly. Renewable term insurance means that a person can renew the policy when the current term expires. Since all term insurance rates are based on the age and health of a person, renewing a term insurance will almost certainly result in increased rates.

Renewable term insurance offers policyholders the right to renew a policy without the need to undergo another medical examination.  this means the policy can be renewed at not such high rates as one would have to if they undergo a medical exam. Convertible term insurance gives the holder the right to convert to a universal or whole life insurance once the current term is over.  this is useful for those who are more financially secure later in life and prefer to choose an insurance that offers an investment option.

Your insurance needs are originally calculated based on your perceived future needs.  If you take a long term policy, your needs can automatically change over time.  an adjustable term life insurance provides you the option of changing premiums or death benefits over time.  you can either increase or decrease your coverage and therefore your insurance rates will also increase or decrease.  this really depends on your expenses in new additions to the family, income fluctuations, performance of your business, illnesses that result in increased medical bills and such. Study all these term insurance plans, compare quotes and you will get a good policy with adequate coverage for the family.

Article by David Livingston of EQuote. For more information on whole life vs term insurance and life insurance no medical exam, visit his site today.

Incoming Search Terms:

• life insurance article

Personal demographics

When you apply for life quotes you will be asked about things like your age and gender and personal habits. The older you are the more at risk you are for passing away. If you smoke, you are endangering your health and increasing your risk profile. Men tend to be regarded as higher risk then women for some reason, you will have to ask the actuaries and statisticians about that one. so, a young, female non smoker will pay a lot less than an older, male smoker when it comes to the same amount of life insurance.

Some diseases show a genetic predisposition. If there have been people in your close family diagnosed with cancer, diabetes, heart conditions and a wide range of other conditions you are going to be viewed as a much higher risk investment than someone without those conditions in their family history. there is not much you can do about these, but you have to disclose them if you know about them so that you do not engage in insurance fraud.

Hobbies and regular activities

Some hobbies are regarded as being very high risk. they will generally be ones that risk your life whenever you take part in them. If you do things like sky diving and bridge jumping you are going to pay a great deal more than if you do not take part in activities like these. This is something that you can do something about. All you have to do is stop doing things like this or have death as a result of an accident involving this kind of activity excluded from your life insurance policy when you apply for life quotes.

Personal medical history

You will be asked a lot of questions about your medical history when you apply for life quotes. This is to help the insurance company determine how at risk you are for passing away as a result of certain conditions. You are obliged to disclose everything that you are aware of. each condition will increase your risk profile, but a failure to disclose would be fraud.

As you can see, there are a lot of things that have an effect on your life quotes. The more you are able to lower your personal risk profile the better. there are of course some factors that you can influence and some that you are not able to change in any way whatsoever. In the end, you will get the life quotes that you will get and you will have to choose the one that suits your budget best given the risk profile that you have.

A single source that offers competitive deals

Life insurance comparison quotes provide a list of recommended insurance companies that can be relied upon to make an informed decision. from the list, you will discover different companies catering for different needs and clients. The good thing is that these quotes can be accessed online by answering a number of easy questions including the state of residence, date of birth, height, weight and gender. Furthermore, the quotes can be obtained free without having to sign up or taking any obligation.

The comparison can help you save on money. They have been compiled from leading companies, all competing to offer customers an affordable insurance coverage. using the insurance quotes comparison, you will be in a position to shop from the best the industry has to offer, in a matter of seconds. you will overcome the mistake of relying on a single quote to make a serious decision pertaining to life and the future. Through the insurance quotes comparison, you will discover an affordable policy that suits your needs.

Many people miss the chance for finding an insurance that fits their needs because the process can prove complicated and time consuming. therefore, the quotescan help save your time without having to hassle going through all the companies, websites and agents available in the industry to find the perfect deal. The comparison quotes offer a reliable source through which you can shop and find quotes.

The life insurance quotes comparison caters for both low and high budget consumers. you will be in a position to compare prices and features, in order to locate a cover that suits you. in case you are looking for a proper policy that has a modest premium, then the insurance quotes comparison can give you the help you need. If you are seeking for high premiums that cater for a multimillion- dollar benefit the insurance quotes comparison can facilitate the process.

Furthermore, the quotes offer numerous options. Typically, the young and healthy receive more options. Nevertheless, for the elderly who are often denied numerous opportunities can use the available comparison quotes.

Why am I obtaining Life Insurance Coverage? – Which is the primary query which should be responded to. do I must include a home financing? do I would like to supply salary for our family? do I would like to dietary supplement my retirement life? the reasons tend to be more crucial compared to the fees for the reason that motives allow you to design your selection.

What kind of insurance coverage do you want? – Knowing the causes that you will be generating a a life insurance policy acquire then you could decide what sort of life insurance to buy. Term insurance policy covers short-term wants whilst long term life insurance coverage presents positive aspects for lifelong.

It’s simple to continue to search for prices once you have solved both these vitally important queries. It will benefit you to practice a simple way of checking your insurance cover demands so that you can look for a lot and the right form of life insurance. nothing is wrong with shopping online or utilising an insurance professional to work with you. the most memorable term life insurance buy that you previously make is one that was designed to fit your needs and also to what you can do to repay.

Filed under: Uncategorized

Like this post? Subscribe to my RSS feed and get loads more!

Getting these quotations will require you to provide personal information in order to proceed with the calculations. Most of us know that these average cost or price differs from many different factors. What these life insurance companies to arrive the average price is to take all the average premiums based on the number of years, the amount of policy coverage and type of insuring. With so many factors affecting the calculation of your average premiums, you have to learn how they arrive at those numbers.

The life insurance price or cost may differ and some of the reason why they differ is your age and gender, location, and the number of times you pay your premiums. It is very true that the frequency of premium payments can really determine what it will cost you. some people who have extra money can pay yearly and they can get a discount on this, thus lowering their premium payments. this in way will affect the average price if you just looking at the averages. While location may not play a big factor in life insurance policies , it does for auto insurance.
The main big factors that affect life insurance are your age and your health. So if you plan on getting some quotations you will need to provide your age, gender, complete address, including your email address. your home phone and cell number should also be part of your personal information to be given. You may also need to give them the type of occupation that you have. this is vital in their calculations because your work environment can play a role in determining if you are a high risk or not.

On the health issue, you will be asked to answer the question if you have smoke in the last twelve months or not. Smokers may have to pay higher premium and this can affect the calculation of the average premiums you have to pay. there are also questions about more serious illnesses and disease. You will be asked if you have been ever treated or have heart disease, cancer, diabetes, epilepsy, high cholesterol, hypertension or high blood pressure, anxiety and depression. some insurers may ask more than what is listed so you should be prepared for more questions regarding your health.

Another issue that comes into play in the estimate of the average price of life insurance is legal infractions or convictions. if you are convicted of drunk driving or driving under the influence of drug or alcohol, this can sky rocket your premiums. thus this will affect the estimated average premiums. So all this factors may contribute to how much your life insurance cost.

Understanding what is the average price of life insurance is not really that difficult but you need to provide those information. All these factors listed above should affect the average price of getting insured. through life insurance quotes online , you may find it easier to get your queries answered. Remember that these are just estimates and they are not your final cost or premiums. These are not concrete values and prices but estimates which you can use to make a better decision and sound judgment when making your policy coverage purchase.