Notes to the Group’s Financial Statements
Select note 1–42
| 4 Change in liabilities for insurance and investment contracts | |||||
| P&C insurance | |||||
| EURm | 2016 | 2015 | |||
| Change in unearned premium provision | -4 | -39 | |||
| Reinsurers' share | -2 | 5 | |||
| Change in unearned premium provision, net | -6 | -34 | |||
| Life insurance | |||||
| EURm | 2016 | 2015 | |||
| Insurance contracts | |||||
| Life-insurance | |||||
| Contracts with discretionary participation feature (DPF) | 23 | 15 | |||
| Unit-linked contracts | -252 | -292 | |||
| Total | -228 | -278 | |||
| Pension insurance | |||||
| Contracts with discretionary participation feature (DPF) | 67 | 94 | |||
| Unit-linked contracts | -116 | -143 | |||
| Total | -49 | -49 | |||
| Insurance contracts total | -277 | -327 | |||
| Investment contracts | |||||
| Capital redemption policy | |||||
| Contracts with discretionary participation feature (DPF) | 10 | -33 | |||
| Unit-linked contracts | -198 | -102 | |||
| Investment contracts, total | -188 | -135 | |||
| Change in liabilities for insurance and investment contracts in total, net | -465 | -462 | |||
| Elimination items between segments | 24 | -5 | |||
| Group, total | -448 | -502 | |||
The tables for the Financial Statements are also available in Excel format.