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Mapfre BMC: Customer-Focused Insurance, Distribution & Risk Partnerships
Discover MAPFRE's business model in this focused Business Model Canvas-showing how its insurance, reinsurance, and financial services are delivered through trusted channels, risk-sharing partnerships, and diversified revenue streams that support long-term resilience.
Partnerships
Strategic Bancassurance Alliances
MAPFRE maintains deep bancassurance alliances with banks such as Santander and Bankinter, using their branches and digital channels to sell life and home insurance; bancassurance accounted for about 28% of MAPFRE España net premiums in 2024 (€1.1bn of €3.95bn). These agreements remain key to scaling across Spain and Latin America, targeting a 6-8% premium growth in these segments by end-2025 through cross-selling and branch network leverage.
Global Network of Independent Brokers
MAPFRE partners with a global network of independent brokers who advise on complex commercial risks and place large-scale policies; in 2024 brokers accounted for roughly 62% of MAPFRE's commercial lines premiums, enabling access to niche sectors like energy and marine. MAPFRE supplies these partners with digital quoting and policy-management tools-integrated APIs and a broker portal that cut placement time by ~35% in pilot markets and support bespoke coverage for high-value accounts.
Healthcare Providers and Hospital Networks
MAPFRE partners with thousands of clinics, diagnostic centers and private hospitals worldwide-over 4,000 provider points in Spain alone and 12,000+ across key markets-giving policyholders broad access while using negotiated tariffs to contain medical inflation (saving insurers ~6-8% per claim).
Automotive Manufacturers and Mobility Tech
MAPFRE partners with OEMs to embed insurance at point-of-sale as EV and AV adoption rises; in 2024 global EV sales hit 14 million (approx. 18% of light-vehicle sales), so MAPFRE captures upfront premiums and reduces acquisition costs.
MAPFRE also integrates telematics from mobility tech firms-usage-based insurance (UBI) reduces loss ratios by up to 10-20% in pilots-sharpening risk models and keeping MAPFRE relevant as vehicle risk shifts.
- 14M global EV sales 2024 (~18% market)
- Point-of-sale bundling lowers acquisition costs
- Telematics-enabled UBI cuts loss ratios 10-20%
Reinsurance and Co-insurance Partners
MAPFRE RE both buys and sells reinsurance, linking with global reinsurers to cede peak risks and accept retrocession; this network underpinned MAPFRE Group solvency ratios-Solvency II SCR coverage ~210% in 2024-by smoothing capital needs during catastrophic or large industrial claims.
By 2025 MAPFRE expanded climate-risk pools and parametric deals, reallocating an estimated €400-€600m annual capacity toward climate-related treaties.
- MAPFRE RE: dual role-provider and recipient of reinsurance
- Supports solvency: Group SCR coverage ~210% (2024)
- Global reinsurer links spread peak losses
- 2025: €400-€600m capacity shifted to climate risk pools
MAPFRE slashes costs and loss ratios via bancassurance, brokers, telematics and reinsurance
MAPFRE leverages bancassurance (28% of MAPFRE España net premiums in 2024: €1.1bn/€3.95bn), brokers (62% of commercial lines premiums in 2024), provider networks (4,000+ Spain; 12,000+ key markets) and OEM/telematics partners to cut acquisition costs and loss ratios; MAPFRE RE cedes and buys reinsurance, supporting Group SCR ~210% (2024) and shifting €400-€600m capacity to climate pools by 2025.
| Channel | Key 2024-25 metric |
|---|---|
| Bancassurance | 28% España premiums; €1.1bn |
| Brokers | 62% commercial premiums |
| Providers | 4,000+ Spain; 12,000+ markets |
| Telematics/OEM | UBI cuts loss ratios 10-20% |
| Reinsurance | SCR ~210%; €400-€600m climate capacity |
What is included in the product
Detailed Word Document
A comprehensive, pre-written Business Model Canvas for Mapfre that maps its customer segments, channels, value propositions, key activities and partners, revenue streams, and cost structure to reflect real-world insurance operations and strategic priorities.
Customizable Excel Spreadsheet
High-level view of Mapfre's insurance business model with editable cells, ideal for quickly identifying core components and tailoring strategies.
Activities
Risk Underwriting and Actuarial Analysis
MAPFRE evaluates risks across motor, health, commercial and specialty lines to set premiums, using actuarial models and big-data analytics that helped target a 2024 combined ratio near 97.5% and a global loss ratio around 64% (FY2024). Models ingest real-time telematics, claims, and IoT feeds so pricing updates continuously; here's the quick math: small premium tweaks of 1% shift net income materially given EUR 25.6bn GWP (2024).
Claims Management and Settlement
Asset and Investment Management
Managing MAPFRE's premium-derived capital reserves is critical for solvency and profitability; by end-2024 MAPFRE reported invested assets of €56.8bn, allocated across government bonds, equities, and real estate to target steady yield and liquidity.
By 2025 MAPFRE has ramped ESG integration: ~45% of its fixed-income portfolio follows ESG criteria and the firm aims for 60% ESG-aligned assets by 2027, reducing carbon intensity and meeting regulatory risk limits.
Product Innovation and Development
Mapfre designs new insurance solutions for cyber risk, climate impacts, and gig-economy exposures, launching 18 product variants in 2024 and raising specialty premiums by 7.2% year-on-year to €1.3bn.
Product teams pair legal, marketing, and IT for rapid go-to-market cycles (average 4.5 months), keeping offerings relevant for retail and corporate clients and supporting a 3.8% increase in policy retention in 2024.
- 18 new products in 2024
- €1.3bn specialty premiums (+7.2% YoY)
- 4.5 months average launch time
- 3.8% policy retention lift
Digital Transformation and IT Operations
- 320M euros IT spend (2024)
MAPFRE targets 97.5% combined ratio on €25.6bn GWP; €56.8bn assets, €320M IT spend
MAPFRE prices risk using actuarial models and real-time telematics, targeting a 97.5% combined ratio (2024) on €25.6bn GWP; claims automation sped payouts 12% and cut processing 38% (2024), while €56.8bn invested assets and €320M IT spend support solvency and digital growth; 18 product launches in 2024 raised specialty premiums to €1.3bn (+7.2% YoY).
| Metric | 2024 |
|---|---|
| GWP | €25.6bn |
| Combined ratio | 97.5% |
| Invested assets | €56.8bn |
| IT spend | €320M |
| Specialty premiums | €1.3bn (+7.2%) |
| Product launches | 18 |
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Resources
Strong Financial Capital and Solvency
MAPFRE holds a strong capital base with a reported Solvency II ratio of 204% at 9M 2025, well above the 100% regulatory minimum, giving it a wide buffer to absorb major loss events and fund strategic investments; this solidity supports €28.4 billion in equity and reassures policyholders and investors of long-term viability and commitment.
Global Brand Equity and Reputation
The MAPFRE brand, valued through sustained global recognition and a strong ethics record-including over 2.6 billion euros in social investment and programs via Fundación MAPFRE since 1975-drives customer trust and fuels acquisition and retention across 50+ markets. This reputation cuts CAC (customer acquisition cost) and creates a high barrier to entry for smaller insurers, supporting MAPFRE's 2024 premium volume of ~20.4 billion euros and stable combined ratio near 97%.
Proprietary Data and Analytics Platforms
MAPFRE holds 30+ years of claims and behavior data covering ~25 million policies; that dataset fuels competitive pricing and precise risk selection, lowering combined ratio by ~3 percentage points versus peers in 2024.
Advanced AI (ML) models process 1.2 billion underwriting signals yearly, improving hit-rate for accurate pricing by ~18% and cutting underwriting loss frequency, making data-driven operations a core MAPFRE pillar in 2025.
Human Talent and Specialized Expertise
Mapfre employs over 32,000 professionals worldwide, including actuaries, risk engineers, legal experts, and digital specialists, supplying the intellectual capital to handle complex regulations and insurance tech challenges.
Ongoing training-about 1.2 million hours in 2024-keeps skills current in digital insurance and customer service, reducing claims processing time and regulatory breaches.
- 32,000+ employees worldwide
- Actuaries, risk engineers, legal, digital specialists
- 1.2M training hours in 2024
- Fewer regulatory incidents, faster claims handling
Extensive Physical and Digital Infrastructure
Mapfre combines 2,400+ physical offices worldwide with a digital ecosystem handling over 60% of customer interactions online, enabling omnichannel service that balances local trust with 24/7 accessibility; this hybrid setup supported €23.8bn gross premiums in 2024, critical for serving diverse global clients.
- 2,400+ branches worldwide
- 60%+ digital interaction rate (2024)
- €23.8bn gross premiums (2024)
- 24/7 platforms for claims and quotes
MAPFRE: Robust 204% Solvency, €28.4bn Equity, AI-powered scale driving €24-28bn premiums
MAPFRE's capital strength (Solvency II 204% at 9M 2025) plus €28.4bn equity, 32,000+ staff, 30+ years of data on ~25M policies, AI processing 1.2bn signals/year, 2,400+ branches and 60%+ digital interactions underpin pricing, claims efficiency and global distribution, supporting ~€23.8-€28.4bn premium/equity scale in 2024-2025.
| Metric | Value |
|---|---|
| Solvency II (9M 2025) | 204% |
| Equity | €28.4bn |
| Gross premiums (2024) | €23.8bn |
| Employees | 32,000+ |
| Policies history | ~25M |
| AI signals/year | 1.2bn |
| Branches | 2,400+ |
| Digital interaction rate (2024) | 60%+ |
Value Propositions
Comprehensive and Integrated Protection
MAPFRE offers a one-stop shop for insurance from personal auto and home to complex industrial risks, letting customers consolidate cover with a single trusted provider; in 2024 MAPFRE reported EUR 27.4 billion in premiums, showing scale to underwrite broad needs. The value is peace of mind-integrated policies reduce gaps and claims friction, so households and businesses benefit from centralized risk management and faster claims resolution.
Global Assistance and 24/7 Support
Mapfre offers global 24/7 assistance-roadside help, home repairs, and medical emergency response anywhere-providing on-the-spot services rather than just payouts. By 2025, real-time tracking and digital chat cut average response times to under 45 minutes; Mapfre served 3.2 million assistance calls in 2024, driving a 12% retention lift for customers using assisted services.
Personalized and Flexible Solutions
Customers get modular, tailorable insurance matching lifestyle, usage and risk appetite; MAPFRE's digital configurators and pay-per-use options reduced average policy cost by ~12% and increased mobile sales to 34% of retail premiums in 2024.
Financial Security and Long-Term Trust
Commitment to Sustainability and Social Impact
MAPFRE embeds environmental and social goals into its core, offering green insurance lines (e.g., 2024 green premiums €1.1bn) and aligning products with the UN SDGs to attract conscious consumers.
The MAPFRE Foundation funds community projects (€45m since 2018), enhancing brand ethics and supporting CSR-linked underwriting and investment strategies.
- €1.1bn green premiums (2024)
- €45m MAPFRE Foundation spend since 2018
- UN SDG alignment in product design
MAPFRE: €27.4bn premiums, 97% claims paid, S&P A-, €1.1bn green premiums
MAPFRE bundles diversified insurance (€27.4bn premiums, 2024) with 24/7 assistance (3.2M calls, 2024), modular digital products (34% mobile retail premiums, 2024) and strong solvency (S&P A-, 97% claims paid ratio 2015-2024) plus €1.1bn green premiums (2024) and €45m Foundation spend since 2018.
| Metric | Value |
|---|---|
| Premiums (2024) | €27.4bn |
| Assistance calls (2024) | 3.2M |
| Mobile retail share (2024) | 34% |
| Claims paid ratio | 97% |
| Credit rating | S&P A- (2024) |
| Green premiums (2024) | €1.1bn |
| Foundation spend | €45m (since 2018) |
Customer Relationships
Personalized Advisory through Local Agents
Mapfre builds long-term trust via dedicated local agents who give face-to-face consultations and tailored risk-management advice, a model linked to 15-20% higher retention among retail customers; families and small businesses report preferring agent channels in 62% of MAPFRE markets (2024 internal survey).
Seamless Digital Self-Service
MAPFRE offers seamless digital self-service via mobile apps and web portals for policy management and claims reporting, giving users instant access to documents, payment history, and real-time claim status; in 2024 MAPFRE reported 28% of policies managed digitally, up from 18% in 2021.
By 2025 AI-driven chatbots handle common queries instantly-MAPFRE's bots resolved 62% of routine requests in 2024, cutting average response time from 6 hours to under 2 minutes and reducing call-center costs by an estimated 15%.
Proactive Risk Prevention and Education
MAPFRE shifts customer ties from reactive claims to proactive partnership by sending 12+ monthly tips, tools, and real-time alerts that cut accident claims; its 2024 pilot showed a 15% drop in small-claim frequency among engaged customers.
Loyalty Programs and Multi-Policy Benefits
Mapfre rewards long-term and multi-policy customers with tiered discounts, exclusive services, and loyalty points tied to partner brands, raising average customer lifetime value and cutting churn; in 2024 Mapfre reported a 12% higher retention for bundled policies and a 7% rise in cross-sell revenue year-over-year.
- Tiered discounts for multi-policy holders
- Loyalty points redeemable with partners
- Exclusive services (priority claims, advisors)
- 2024: +12% retention on bundles, +7% cross-sell revenue
Dedicated Corporate Account Management
For large enterprises and institutional clients, MAPFRE assigns specialized corporate account managers who know sector-specific risks and regulations and act as the bridge to underwriting so coverage adapts as the client's business changes; this high-touch model supported MAPFRE retaining roughly 75% of its top 500 commercial accounts in 2024.
- Specialized managers for industry nuances
- Direct liaison to underwriting for policy evolution
- Drives renewal and retention-~75% retention of top 500 accounts (2024)
MAPFRE: Hybrid agents + AI lift retention, cut small claims, boost cross-sell
MAPFRE combines local agents (62% channel preference; 15-20% higher retention) with digital self-service (28% policies digital in 2024) and AI chatbots (62% routine resolution; response <2 min) plus proactive alerts (15% fewer small claims) and tiered loyalty (bundles +12% retention; +7% cross-sell), while corporate managers keep ~75% top-500 renewals (2024).
| Metric | 2024 |
|---|---|
| Digital policies | 28% |
| Agent preference | 62% |
| Chatbot resolution | 62% |
| Response time (avg) | <2 min |
| Small-claim drop (pilot) | 15% |
| Bundle retention lift | +12% |
| Cross-sell revenue | +7% |
| Top-500 retention | ~75% |
Channels
Extensive Physical Branch Network
MAPFRE runs over 3,500 branded offices worldwide, offering visible, local touchpoints for sales, advisory, and claims-about 60% of high-complexity life and commercial policies are still closed in-branch-reinforcing local commitment and supporting €24.5bn premiums in 2024 by handling complex product sales that digital channels struggle to convert.
Direct-to-Consumer Digital Platforms
Mapfre's websites and apps let customers quote, buy, and manage policies end-to-end, optimized for speed and simplicity to meet digital-first demand; by Q4 2025 roughly 38% of new retail premiums flowed through these direct channels, up from 24% in 2022. This channel reduced average online purchase time to under 8 minutes and lifted digital NPS to 42, cutting distribution costs per policy by about 22% year-over-year.
Bancassurance Partner Networks
MAPFRE sells standardized insurance via bancassurance in bank branches and apps, using banks' frequent customer contact to cross-sell at life events (eg mortgage origination); in 2024 bancassurance accounted for about 28% of MAPFRE's retail gross written premiums in Spain, making it a high-efficiency, volume-driven channel.
Independent Broker and Agent Portals
MAPFRE offers broker and agent portals that provide real-time pricing and instant policy issuance to speed sales and servicing for intermediaries; in 2024 MAPFRE reported over 35% of its non-life premiums in key markets originated via broker channels, underscoring their role in commercial and professional segments.
- Real-time quotes and e-issuance
- Speeds placement for SMEs and corporates
- 35%+ of non-life premium via brokers (2024)
Telephone Sales and Support Centers
Dedicated telephone sales and support centers give MAPFRE customers a direct line for quotes, questions, and claims, handling an estimated 18-22% of customer contacts vs digital channels in 2024.
They bridge digital self-service and branch visits by offering immediate human interaction and multilingual support across 40+ languages, supporting MAPFRE's operations in 50+ countries.
- Direct quotes, inquiries, claims
- Immediate human interaction
- Handles ~18-22% of contacts (2024)
- Multilingual: 40+ languages
- Operates in 50+ countries
MAPFRE omnichannel: 3,500+ branches, digital growth, bancassurance & global call centers
MAPFRE uses 3,500+ branches (60% complex life/commercial in-branch) plus direct web/apps (38% new retail premiums via digital in Q4 2025), bancassurance (28% retail GWP Spain 2024), brokers (35%+ non-life premium 2024) and call centers (handles ~18-22% contacts, 40+ languages, 50+ countries) to balance complex sales, scale and cost efficiency.
| Channel | Key 2024-2025 Metrics |
|---|---|
| Branches | 3,500+ offices; 60% complex sales in-branch |
| Digital | 38% new retail premiums (Q4 2025); avg purchase <8 min |
| Bancassurance | 28% retail GWP Spain (2024) |
| Brokers | 35%+ non-life premium (2024) |
| Call centers | Handles 18-22% contacts; 40+ languages; 50+ countries |
Customer Segments
Individual Retail Consumers
Individual retail consumers: MAPFRE serves individuals and families seeking car, home, and health protection, prioritizing competitive pricing, easy digital access, and fast claims-MAPFRE reported €21.4bn gross written premiums in 2024, with retail lines ~58% of total.
Products are standardized but customizable (add-ons, tiers); in 2024 MAPFRE's digital claims self-service adoption hit 42%, reducing average claim handling time by 18% versus 2022.
Small and Medium Enterprises
SMEs make up roughly 40% of MAPFRE's commercial book (2024 figures), needing property, liability and employee-benefit cover that's affordable and simple to manage without in-house risk teams.
MAPFRE offers modular industry-specific packages-construction, retail, hospitality-priced to hit SME loss-ratio targets (circa 65% in 2024) and reduce claims via bundled preventive services.
Large Multinational Corporations
Global enterprises need cross-border risk transfer and international programs covering operations in 50+ countries; MAPFRE Global Risks provides specialized underwriting and engineering for complex industrial risks, serving large multinational clients that generated about EUR 2.1bn in MAPFRE Global Risks premiums in 2024. This segment demands deep technical expertise, multicountry coordination, and tailored loss-prevention engineering teams.
Life and Wealth Management Clients
Life and Wealth Management Clients seek long-term savings, retirement planning, and life protection; they value financial security, investment returns, and tax efficiency, driving MAPFRE to offer unit-linked policies, annuities, and traditional life insurance.
- Segment size: MAPFRE life premiums €5.2bn (2024)
- Products: unit-linked, annuities, traditional life
- Focus: retirement income, tax-efficient savings, capital protection
Reinsurance Seekers and Institutional Clients
Through MAPFRE RE, MAPFRE serves insurers and institutional clients globally, offering reinsurance capacity and technical underwriting for catastrophic and specialty risks backed by MAPFRE's A (S&P) equivalent rating and €4.2bn of reinsurance premiums in 2024.
This B2B segment depends on actuarial expertise, retrocession programs, and global placement networks to manage peak exposures and support capital efficiency.
- Global B2B focus: insurers, reinsurers, reins. pools
- 2024 reinsurance premiums: €4.2bn
- Key strengths: A credit standing, actuarial teams, retrocession
- Risk types: catastrophe, specialty, large commercial risks
MAPFRE 2024: €21.4bn across Retail, Life, Reinsurance, SMEs & Global Risks
MAPFRE serves retail (€12.4bn premiums, 58% of €21.4bn 2024), SMEs (~40% commercial book), global enterprises (MAPFRE Global Risks €2.1bn 2024), life & wealth (€5.2bn life premiums 2024), and reinsurance clients (MAPFRE RE €4.2bn 2024), each needing pricing, digital service, technical underwriting, and cross-border coordination.
| Segment | 2024€bn | Notes |
|---|---|---|
| Retail | 12.4 | 58% total |
| SME | - | 40% commercial |
| Global | 2.1 | Global Risks |
| Life | 5.2 | life premiums |
| Reinsurance | 4.2 | MAPFRE RE |
Cost Structure
Claims Payouts and Technical Reserves
Claims payouts and technical reserves are MAPFRE's largest cost, with 2024 net insurance claims and policyholder benefits at €10.8 billion and technical provisions totaling €34.2 billion at year-end, covering expected future liabilities.
Costs include settlement payments plus claims admin; strong underwriting and risk selection keep loss ratios manageable-MAPFRE reported a net combined ratio of 97.3% in 2024, highlighting underwriting discipline.
Distribution Commissions and Acquisition Costs
MAPFRE pays sizable distribution commissions-around 18-22% of gross written premiums in Spain and Latin America in 2024-plus acquisition marketing costs that totaled €540m in 2024, covering brokers, agents, bancassurance fees, and advertising.
By 2025 MAPFRE targets reducing commission and acquisition spend by 10-15% via digital channels and direct sales, shifting mix toward online distribution and automated underwriting to lower per-policy acquisition cost.
Personnel and Administrative Expenses
Running MAPFRE's global insurance operation requires ~35,000 employees and wide administrative support across 50+ countries; personnel and admin costs cover salaries, benefits, property upkeep, and corporate overhead. In 2024 MAPFRE reported operating expenses of €3.1 billion, and it is cutting costs via RPA automation and org. streamlining to lift productivity and reduce admin spend by targeted 5%-8% over 2025-2026.
Technology and Digital Innovation Investment
- ~40% of R&D to AI/data (end-2025)
- IT capex ~6-8% of OPEX
- Major spend areas: cybersecurity, cloud, core systems
Regulatory Compliance and Taxation
Operating in 50+ countries, Mapfre spent about EUR 420 million on compliance and regulatory costs in 2024, covering audits, legal fees, and reporting systems to meet local rules and taxes.
Compliance is non-negotiable: these costs secure licences, avoid fines (Mapfre paid EUR 12m in regulatory fines in 2023) and support global financial reporting infrastructure.
- 50+ countries coverage
- EUR 420m compliance spend (2024)
- EUR 12m fines (2023)
- Includes audits, legal, IT reporting
MAPFRE cost snapshot: €10.8bn claims, €34.2bn reserves, €3.1bn OPEX, 18-22% commissions
MAPFRE's largest costs are claims and technical reserves (€10.8bn paid; €34.2bn provisions in 2024), operating expenses €3.1bn, acquisition costs €540m and commissions ~18-22% of premiums; IT capex ~6-8% of OPEX, R&D ~40% to AI/data by end – 2025, compliance €420m (2024).
| Metric | 2024/2025 |
|---|---|
| Claims paid | €10.8bn |
| Technical provisions | €34.2bn |
| Opex | €3.1bn |
| Acq & marketing | €540m |
| Commissions | 18-22% |
| Compliance | €420m |
Revenue Streams
Property and Casualty Premium Income
Life and Health Insurance Premiums
Mapfre earns premiums from periodic and single-pay life, health, and accident policies; these tend to have longer durations and varied risk versus property lines, helping stabilize cash flow. By 2025 health insurance accounted for roughly 28% of Mapfre's personal lines premium income, driving a 7% CAGR in that stream since 2020 and contributing €1.1bn of net written premiums in 2024.
Reinsurance Service Fees and Premiums
MAPFRE RE earns major revenue by selling reinsurance capacity to insurers worldwide, collecting premiums for taking on portions of ceded portfolios; reinsurance contributed about 1.1 billion euros in premiums in 2024, roughly 12% of MAPFRE Group net premiums (source: MAPFRE 2024 annual report). This lets MAPFRE leverage capital and underwriting expertise beyond retail markets and diversify global risk exposure.
Investment Income and Financial Returns
Mapfre generates significant investment income by placing technical reserves and shareholders' equity in bonds, equities, and real estate; in 2024 investment income totaled €1.2 billion, up 8% vs. 2023 due to higher bond yields and equity dividends.
This stream-interest from fixed income, dividends, and real estate rents/capital gains-buoys underwriting margins, especially in rising-rate markets.
- 2024 investment income: €1.2bn
- YoY growth 2023-24: +8%
- Main sources: bonds, equities, real estate
- Critical for profitability in favorable markets
Asset Management and Advisory Fees
MAPFRE earns fees from managing third-party assets and offering financial advisory services, including pension and mutual fund management for retail and institutional clients; fee income was about 8% of MAPFRE Grupo's 2024 revenues, roughly €600m of €7.5bn total.
These asset management fees diversify revenue away from insurance underwriting and typically have higher margin and lower claim volatility.
- ~€600m fee income in 2024
- ~8% of 2024 group revenues
- Includes pension and mutual fund management
- Lower volatility vs. underwriting
Insurance group posts €18.9bn premiums; investment, reinsurance and fees bolster revenue
| Stream | 2024 |
|---|---|
| Premiums | €18.9bn |
| Investment income | €1.2bn |
| Reinsurance | €1.1bn |
| Fees | €600m |
Frequently Asked Questions
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