Notes to the Group’s Financial Statements
Select note 1–41
| 4 Change in liabilities for insurance and investment contracts | |||||
| P&C insurance | |||||
| EURm | 2015 | 2014 | |||
| Change in unearned premium provision | -39 | -3 | |||
| Reinsurers' share | 5 | -3 | |||
| Change in unearned premium provision, net | -34 | -6 | |||
| Life insurance | |||||
| EURm | 2015 | 2014 | |||
| Insurance contracts | |||||
| Life-insurance | |||||
| Contracts with discretionary participation feature (DPF) | 15 | 17 | |||
| Unit-linked contracts | -292 | -292 | |||
| Total | -278 | -275 | |||
| Pension insurance | |||||
| Contracts with discretionary participation feature (DPF) | 94 | 144 | |||
| Unit-linked contracts | -143 | -177 | |||
| Total | -49 | -34 | |||
| Assumed reinsurance | 0 | 2 | |||
| Insurance contracts total | -327 | -306 | |||
| Investment contracts | |||||
| Capital redemption policy | |||||
| Contracts with discretionary participation feature (DPF) | -33 | -4 | |||
| Unit-linked contracts | -102 | -188 | |||
| Investment contracts, total | -135 | -192 | |||
| Change in liabilities for insurance and investment contracts in total, net | -462 | -499 | |||
| Elimination items between segments | -5 | 16 | |||
| Group, total | -502 | -489 | |||