Sampo Group’s Online Annual Report 2012 and Sampo’s video ‘25 Years as a Listed Company’ have been granted the international Red Dot Communication Design 2013 Awards.

Red Dot design award winner 2013

Notes to the Group’s financial statements

4 Change in liabilities for insurance and investment contracts
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P&C insurance
       
EURm 2012 2011
       
Change in unearned premium provision -79 -106
Reinsurers' share 1 -1
Change in unearned premium provision, net -78 -107
       
Life insurance
       
EURm 2012 2011
Insurance contracts    
  Life-insurance    
  Contracts with discretionary participation feature (DPF) 47 38
  Other contracts 0 0
  Unit-linked contracts -241 117
  Total -167 155
       
  Pension insurance    
  Contracts with discretionary participation feature (DPF) 83 221
  Unit-linked contracts -229 52
  Total -146 273
       
Assumed reinsurance 0 0
       
Insurance contracts total, gross -313 428
       
Reinsurers´ share 0 0
       
Insurance contracts total, net -313 428
       
Investment contracts    
  Capital redemption policy    
  Contracts with discretionary participation feature (DPF) 1 15
  Unit-linked contracts -330 -95
  Investment contracts, total -329 -80
       
Change in liabilities for insurance and investment contracts in total, gross -642 348
       
Change in liabilities for insurance and investment contracts in total, net -642 348
       
Group, total -720 241