b'A Word from the PresidentYvan Rose C.ADM. CIPPromutuel Insurance is a group of proud local mutuals, dedicated to the communities it has supported and protectedformorethan170years.Ourhistory tells the journey of insurance companies that have reinventedthemselvestoensuretheirlong-term survival and keep pace with the changing needs of their insured members. It is also the success story of a mutual group that does not hesitate to challenge thestatusquotoremaincompetitive,effective and resilient.'