In this growing market the assets of Swiss Life are numerous

By registering the welfare at the heart of its strategy of profitable growth France, Swiss Life, network specialist in insurance of persons, on the development potential of the market to become a player of reference on this market by 2012.

Foresight, an activity to the potential for development in the heart of the Swiss Life know-how

Insurance covers risks related to the person and involving a loss of income as consequences related to the death, illness, maternity, dependence, disability or disability. In this growing market, the assets of Swiss Life are numerous. The company holds, on the one hand, strong positions on supplementary pension markets since it occupies places 2nd in individual health insurer and 4th insurer for the retirement of the independent. They reflect the know-how and the expertise of the network which thus has the experience necessary to impose on the market of foresight. Distribution, on the other hand, Swiss Life can count on a significant strength through a network of 350 producers employed 450 officers and 2,000 dealers already active on the market of foresight. Finally, the share of activity welfare compared with that of health remains relatively weak against competition and constitutes an important development perspective for Swiss Life.

Thus, strong assets of the company combined with the development potential of the market welfare, Swiss Life displays the ambitious goal to double the turnover of its activity by 2012 (turnover of 350 million euros in 2008) and as an actor of reference on the market of foresight.

To achieve these objectives, Swiss Life is developing products and effective processes according to a plan of action structured around three offers:-individual welfare of non-employees: launch January 2010 - the individual borrower foresight: launching 2nd quarter 2010 - collective foresight destined for SMEs - SMIs: launch 1st quarter 2010

First highlight of the year 2010: a comprehensive approach to respond to the needs of workers not employees

The TNS market is a strategic choice which naturally requires Swiss Life. The TNS are traditional clients of the company who know their needs including retirement. The foresight of the TNS market also enjoys strong growth ( 9 in 2008 over 2007 - source FFSA) and a good profitability (S/P gross of the 54 2008 market - source FFSA). In addition, the fiscal environment is favourable to him through the Madelin device.

Claims indemninés / cut premiums

Swiss Life launches a new product "à la carte" adapted to their needs: SwissLife provident independent this competition often packages while, SwissLife provident independent is a welfare comprehensive and customizable plan that offers:-three types of guarantees (death - with options annuity education and annuity spouse - maintenance of income, overhead) can be effected separately - a guarantee capital illness in option - sports coverage at risk - of attractive fares well positioned on the market

To accompany the development of welfare to its clients and contributors, the global mechanism been entirely revisited

A new tool for simple, user-friendly, interactive, subscription to translate visually the difference between the benefits paid by the compulsory scheme of the self-employed worker and different coverage needs.

More fluid management process faster and for more efficiency: - delegation facilitated with a target of 60 of cases dealt with in full by the contributors - acceptance centralized on a single team - staff dedicated to managing rapid validation - national partnership in medical with the ARM (analysis of risk medical) network acceptance - statement of claims by telephone, by mail with triggering immediate payment in certain cases - proof of income, or count of the mandatory schemes in the majority of cases - medical control carried out via the network of medical experts Sécurex allowing a remission of the medical report within 10 days on average 30 previously.

Efficient tools training and sales aid made available to our contributors - many educational meetings, workshops in Paris and in the region - solutions for e-learning for knowledge networks - many commercial tools available (memo sale, wafer product,...) - challenges, mailing, advertising in business support - practical guide welfare campaign, booklet produced destined for customers.

All of this foresight development device constitutes a strategic axis of Swiss Life in France and fully fits the Milestone 2010-2012 program defined by the Swiss Life Group along four axes: increased volume and profitability of new business, the stimulation of the distribution, improve operational efficiency the strengthening of the balance sheet.