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What is it about ?


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What is it about ?


WHAT IS THE BORROWER INSURANCE?

The loan insurance is required when taking out credit. Its duration is limited to that of hedged credit. It protects the family in case of death or loss of autonomy, or people who contracted credit by paying all or part way credit. In the case of a property purchase by a couple (coborrowers), each of them may decide to take out insurance that will cover 50% or 100% of the outstanding capital. This decision must be made according to the personal and professional situation of each, and their coverage desired.

Apart from redemption in case of death or in the event of total and irreversible loss of Autonomy (TILA), other situations may be included in your insurance depending on your family situation, professional, and financial, such as:

  • The Temporary Work Interruption (ITT)
  • Loss of Jobs
  • The Warranty Resale

We do not currently offer of loan insurance contracts, because we focus on our credit brokerage activity. However, if during our fundraising, we see that it can be beneficial to resort to an insurance delegation, we can refer you to one of our partners.

 

 

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Group contracts


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Group contracts


SIMPLICITY GROUP CONTRACTS

The lender can provide loan insurance proposal at the request of a loan. In this case, it is a "group contract".
This is a contract signed by the bank with the insurer for all its borrowers.
This type of contract allows a quick and relatively simple membership, and offers a "standard" coverage.

The main disadvantage of group contracts is that they do not take into account the specificities of the insured and simply classic covers, sometimes inappropriate to the exercise of a profession, the practice of extreme sports, or your health status.

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Insurance delegation


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Insurance delegation


BENEFITS OF INSURANCE DELEGATION

The group contracts may not meet all your expectations in terms of coverage, and may incur surcharges depending on your situation (age, health status, occupation, risk activities ...).

Lagarde law implementation on 1 July 2010, whose main objective was the protection of the consumer, enables individuals to take out loan insurance group other than the contract proposed by the credit institution, as a delegation of insurance.
This desire to protect consumers is enhanced with the establishment March 17, 2014, the HAMON law. It is now possible to return to subscribe to the group contract, within one year after the purchase of the loan and no extra cost.

However the acceptance by the lending bank of an insurance delegation can be done if the contract in at least as much guarantees that the group contract.

Resorting to an insurance delegation can significantly reduce the cost of your credit.

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Convention AERAS2


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Convention AERAS2


THE CONVENTION AERAS

This agreement allows for easier access to insurance and credit to a person having or having had a health problem. This is a review of the third level of your situation, if it does not allow you to ensure within the existing group insurance contracts or after studying your file by a specialized medical service. An insurance application will be made after this latest study.

Clearly,

  1. You answer the Health Questionnaire
    If the survey reveals no particular problem, a proposal will be made
    If not,
  2. A more personalized review of your application will be made
    by a specialized medical service, the "aggravated risk pool"
    If no proposal can be made at this stage
  3. A final review of your file will be performed
    by the "risk pool very aggravated"

At the end of this study 3rd level, you will not have more than 70 years at the end of the insurance contract and if the loan amount does not exceed € 320,000, then a proposal will be made to you. Please note that this proposal will be subject to exclusion or a surcharge (exclusions and premiums can be offered at each level of study of your file).