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Notes to the Group’s Financial Statements

4 Change in liabilities for insurance and investment contracts
P&C insurance
EURm 2013 2012
Change in unearned premium provision -46 -79
Reinsurers' share -10 1
Change in unearned premium provision, net -55 -78
Life insurance
EURm 2013 2012
Insurance contracts
Life-insurance
Contracts with discretionary participation feature (DPF) 19 47
Other contracts 0 0
Unit-linked contracts -232 -214
Total -213 -167
Pension insurance
Contracts with discretionary participation feature (DPF) 102 83
Unit-linked contracts -183 -229
Total -80 -146
Assumed reinsurance -3 0
Insurance contracts total, gross -296 -313
Reinsurers´ share 0 0
Insurance contracts total, net -296 -313
   
Investment contracts
Capital redemption policy
Contracts with discretionary participation feature (DPF) 2 1
Unit-linked contracts -353 -330
Investment contracts, total -352 -329
Change in liabilities for insurance and investment contracts in total, gross -648 -642
Change in liabilities for insurance and investment contracts in total, net -648 -642
Elimination items between segments 6 1
Group, total -697 -719
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