Insurance that supports your financing until its term, covering all or part of your payments in the event of death, disability, or incapacity for work.
Choose the level of protection that suits your situation.
At the time of the loan or within the following three months.
Support services in the event of hospitalization or immobilization.
Borrower insurance protects loan repayments in the event of life events affecting the borrower's life or ability to work. It prevents the burden of the credit from falling on the household or loved ones and secures the financial balance established at the time of the loan.
Borrower insurance contracts are based on several guarantees, which you can often combine.
Beyond the payment of benefits, some plans include health assistance: home help, childcare, meal delivery, or covering the travel costs of a loved one in the event of hospitalization. These services concretely lighten your daily routine during a difficult period.
Enrollment is possible up to the day before an age limit specified in the contract, generally 83 years old. A health questionnaire is used to assess the risk and set the acceptance conditions. Declarations must be accurate: any omission may lead to the nullity of the coverage.
The cost of insurance depends on age, health status, occupation, and the insured capital. The annual effective insurance rate (TAEA) allows you to compare offers on a consistent basis by including all fees.
How it works
Compare the proposed coverage and select the one that corresponds to your family and professional situation.
A few health and personal details are enough to establish your enrollment.
Your contract is signed electronically and the coverage takes effect according to the stipulated conditions.
Rates, total cost, and monthly payments clearly stated before any commitment, with no hidden fees.
A single point of contact follows you from the simulation to the repayment of the last euro.
Application, document submission, and electronic signature from your client area.
Frequently asked questions
Yes, enrollment is optional. However, it is recommended to check if your loan requires a minimum guarantee, especially for a mortgage.
Insurance enrollment is optional. Guarantees, exclusions, limits, and implementation procedures are specified in the information notice provided before subscription.