In defining the criteria to be used, the group mainly considered products (customer loyalty, possible partners for sustainable development, partnerships, client-centred products), processes (resource consumption, complaints management, employee development, quality management), transparency (product quality, availability of information, clarity of information, satisfaction of customers and agents), consulting (employee development, consulting methods, advice geared towards needs and prevention), risk management (stability of premiums, control of the client portfolio structure, risk-taking).