Mortgages are always subject to insurance cover. This means that the risk for not paying instalments owed to the bank are transferred to an insurer, in the event of a sudden loss of earnings following handicap or disability. It also avoids transferring the debt to your heirs in the event of death.

Group contract : this is a collective insurance signed by an insurance company and a bank on behalf of their clients. The lending body will be the exclusive beneficiary of the loans paid out. In a group insurance, the cost is the same for all borrowers, irrespective of age. Disadvantage: the price is not advantageous to younger borrowers. Generally speaking, group insurance is more expensive than an outsourced insurance.

Out-sourced insurance : You can take out a private insurance policy with our partners. In contrast to group insurance, pricing can vary considerably depending on age at the time of contracting the policy. This insurance will be granted to the lender to guarantee the amount borrowed, and will therefore replace the group insurance proposed by that lender. Out-sourced insurance can also provide greater coverage regarding age criteria, professional risks, aggravated risks ...