Premiums4Good FI

Together we're making a difference

Premiums4Good Snapshot


Our 2025 ambition is to grow our impact investments to USD 2 billion.	invested in by QBE as part of Premiums4Good at June 2020, up from 43 in December 2019.	Financial value invested in Premiums4Good as at June 2020.

invested in by QBE as part of Premiums4Good in June 2020


Finder Awards 2020 Green Insurer of the Year, Australia	Business Intelligence Group Sustainability Awards 2020 Sustainability Award winner, Australia

Banksia Foundation Sustainability Awards Banksia Large Business Award, Finalist, Australia, 2019	Shared Value Project Shared Value Awards Finalist, Australia, 2019	Ethical Corporation’s global Responsible Business Awards Finalist United Kingdom, 2019

Premiums4Good has a global reach. The below map indicates key geographical regions invested in through its pool of assets. Significantly, the Premiums4Good investment pool invests in developed and developing markets across the globe.

Aligned with 17 Sustainable Development Goals in line with the Global Priorities to 2030

We support the aims and objectives of the United Nations Sustainable Development Goals (SDGs) which arose through collaboration between governments, civil society, the private sector and academia. The SDGs seek to address the world’s most pressing environmental and social challenges and form part of a wider 2030 Agenda for Sustainable Development. In 2018, we aligned our sustainability agenda to support advancement of these global goals. As a universal agreement to work towards a better future, the SDGs align closely with our own purpose to give people the confidence to achieve their ambitions.

UN sustainable development goals

Recognising that many of the SDGs are cross-cutting, Premiums4Good investments are mapped at a high level to the SDGs.

Learn more about Premiums4Good

Everyday premiums making an extraordinary difference to communities across the globe

Premiums4Good is an innovative initiative that sees us invest everyday premiums to make a tangible difference to communities across the globe.

Through Premiums4Good, QBE invests a portion of customers’ premiums into investments that have additional social or environmental benefits, at no extra cost to our customers.

These investments include social impact bonds, social bonds, green bonds and infrastructure, supporting a range of projects and programs that seek to create positive change.

About our Premiums4Good impact investment approach

Premiums4Good supports our belief that we can deliver attractive risk-adjusted returns and business value, while also seeking to deliver positive social and environmental impact.

We have a globally consistent approach to impact investment across our North American, European and Australia Pacific operations. In 2019, each division committed a minimum of USD 100m, GBP 100m and AUD 100m of premium respectively to Premiums4Good on behalf of our policy holders.

Additionally, to grow Premiums4Good, select customers can choose to contribute more and opt in to allocate 25% of their premiums to the initiative.

Our ambition is to grow our impact investments to USD 2 billion by 2025.

About our Premiums4Good investments

From renewable energy initiatives and sustainable infrastructure, to social services and programs to support vulnerable people and communities – Premiums4Good helps us, together with our customers and partners, make a difference.

Our current Premiums4Good investment portfolio spans multiple asset classes, geographies and impact areas. As at 31 December 2019 we had 48 securities valued at US$663 million. As at end June 2020 we had 66 securities valued at USD 904 million.

Find out more

To find out more, download our Premiums4Good Investment Impact Report 2019-2020, or contact your local QBE representative.

Are you already contributing to Premiums4Good?

By simply choosing QBE as your insurance provider, your organisation is already helping create positive change.

Every insurance policy sold through a QBE financial institution partner is contributing to QBE’s global Premiums4Good investment pool. In 2019 we're committed to contributing a minimum of A$100 million on behalf of all QBE customers.

Your customers won’t pay any more for their policy and they’ll still have the same level of cover. The big difference is they are helping to create positive change in communities here and around the world.

Can we contribute more to Premiums4Good?

Yes. We're delighted to be able to offer our financial institution partners the opportunity to contribute more to Premiums4Good. Once you’ve registered, QBE will direct 25% of your Home, Landlords, Motor or LMI QBE insurance portfolio into Premiums4Good.

To do so, simply contact your QBE Partnership Manager.

How will this affect my sales?

Premiums4Good is a risk-free offering for you and your customers. In fact, it's an ideal offering for a growing number of conscientious, future-focused Australians.

We want you to have all the information you need to help educate your team and customers, so additional sales and promotional collateral is available from your QBE Partnership Manager.

Everyday premiums making an extraordinary difference to communities across the globe…

"Premiums4Good is a unique collaboration between QBE, our customers, partners and our shareholders, through which a portion of customer premiums are channelled into investments that have additional social or environmental benefits.

Premiums4Good supports QBE’s belief that we can deliver attractive risk-adjusted returns and business value, while also seeking to deliver positive social and environmental impact."

Together, we’re making a difference.

– Gary Brader, Chief Investment Officer, QBE Insurance Group