FRENCH mutual union UMR understands that economic, technological and regulatory upheavals can create uncertainty — and opportunity. The pension provider, launched in 2002, offers Corem as a complementary retirement solution to promote ethical savings. The plan pools members’ savings contributions in bond, stock and real estate investments. Corem’s management policy is marked by environmental responsibility, transparency, simplicity and long-term vision. Members accumulate points for contributions, which convert into a lump sum or lifetime annuities upon retirement. In a challenging year, the union reports positive — and improved — financial results. The BV judging panel announces UMR Corem as winner of the 2020 award for Most Innovative Pension Plan Solutions (France).