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Notes to the Accounts

4 Change in Liabilities for Insurance and Investment Contracts
               
P&C Insurance        
               
EURm         2010 2009
Change in unearned premium provision         -94 -28
Reinsurers' share         2 -5
Change in unearned premium provision, net         -91 -33
               
Life insurance            
               
EURm         2010 2009
Insurance contracts            
  Life-insurance            
  Contracts with discretionary participation feature (DPF)         16 19
  Other contracts         0 -1
  Unit-linked contracts         -177 -138
  Total         -161 -119
               
  Pension insurance            
  Contracts with discretionary participation feature (DPF)         32 96
  Other contracts         - 0
  Unit-linked contracts         -240 -285
  Total         -208 -189
               
Assumed reinsurance         0 1
               
Insurance contracts total, gross         -369 -307
             
Reinsurers´ share         0 0
             
Insurance contracts total, net         -369 -307
             
Investment contracts            
  Capital redemption policy            
  Contracts with discretionary participation feature (DPF)         35 6
  Unit-linked contracts         -345 -299
  Investment contracts, total         -309 -292
               
             
Change in liabilities for insurance and investment contracts in total, gross         -678 -600
             
Change in liabilities for insurance and investment contracts in total, net         -678 -600
             
Group, total         -769 -633
               
               
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