Annual Report 2022
6.6.1
Gross insurance premiums

See accounting policy CC.

Composition of gross insurance premiums
20222021
Non-life insurance contracts – gross earned premiums4,2704,138
Life insurance contracts retained exposure668696
Life insurance contracts on behalf of policyholders1,0981,042
Total life insurance contracts1,7671,738
Total gross insurance premiums6,0375,875

The table below provides an overview of total gross earned non-life insurance premiums.

Gross insurance premiums Non-life
20222021
Gross premiums written4,2744,121
Changes in provisions for unearned premiums-416
Gross insurance premiums4,2704,138
Non-recurring and regular life insurance premiums
20222021
Retained exposure Group
Non-recurring premiums written135129
Periodic premiums written104112
Group total239242
Retained exposure Individual
Non-recurring premiums written1820
Periodic premiums written411434
Individual total429454
Total contracts retained exposure668696
On behalf of policyholders Group
Non-recurring premiums written214194
Periodic premiums written766661
Group total980855
On behalf of policyholders Individual
Non-recurring premiums written255
Periodic premiums written116133
Individual total118187
Total contracts on behalf of policyholders1,0981,042
Total life insurance contracts1,7671,738

A total amount of 187 million (2021: 157 million) has been eliminated in the consolidation process and is therefore not included in the gross insurance premiums. This relates to the a.s.r. post-employment benefit plans of 174 million (2021: 140 million), investment fees of 11 million (2021: 15 million) and disability premiums of 2 million (2021: 2 million).