Compare the loan guarantee offers with Loan Insurance.

Loan insurance company Prepis

Loan insurance company Prepis

Prepis Diffusion is a platform specialized in the fields of pensions, savings and retirement. With more than 15 years of experience and a close relationship with its partners, it offers its customers a complete range of services and products adapted to their needs and expectations.

Credit Insurance Group

In direct relationship with the group Groupel Medniol, Prepis Diffusion benefits from an expertise and quality of recognized offers. Prepis Diffusion is regularly rewarded for the quality of the services and contracts it distributes.

Choose the guarantee of a loan insurance Prepis

Choose the guarantee of a loan insurance Prepis

Since September 1, 2010, the Cogilaw Company allows borrowers to freely subscribe their loan insurance outside the lending institution on the condition that the level of coverage of the outsourced contract is at least equivalent to that of the group contract presented by the bank.

Compare Prepis Loan Insurance

By comparing the bank’s insurance contract with other individual insurer formulas, you will make the most advantageous proposal, both in terms of price and scope of coverage.

Do not hesitate to get help from a broker! The loan insurance insurance broker-loan-not-expensive.com can save you money on the cost of your loan by negotiating your loan insurance Prepis .

  • Qualitative guarantees by Prepis, an organization recognized by banking organizations
  • Prepis Credit Insurance Study Managed Quickly to Save Time
  • Online tools adapted for a better responsiveness: Immediate rate
  • Offer Credit insurance borrower, in order to meet a guarantee equivalence

Advantage of the contract delegation insurance loan Prepis

Advantage of the contract delegation insurance loan Prepis

Borrower Protection contract loan insurance cheaper to borrow from your bank for a real estate loan or professional, or consumption.

To benefit from the best credit insurance, compare the prices and guarantees of the different offers of the market.

Loan insurance provides the lending institution with protection against the risk of non-repayment of loan maturities by the borrower. In case of death of the latter, the insurer refunds the outstanding capital. The loan insurance contract also covers the risks of Total and Irreversible Loss of Autonomy, Total Permanent Disability, Temporary or Total Labor Incapacity and loss of employment.

The Lurie offers you a comparator insurance credit allowing you to carry out a free comparison of the rates and guarantees of offers of insurance of the largest insurers! When a loan insurance proposal interests you, just ask to receive the quote. With a delegation insurance The Lurie, you realize savings by paying less for your insurance on mortgage.

Smoker’s loan insurance: calculation cost insurance credit smoking / non-smoking

Loan Insurance: Profile borrower smoker or no smoker

Loan Insurance: Profile borrower smoker or no smoker

To subscribe to a loan insurance while being a smoker makes a study on many criteria (trade, activity, health,…) there is one however quite important when looking for a good cover to guarantee a credit; by answering the question honestly: Are you a smoker? you will be directed to the best insurance contract ready value for money according to your profile borrower smoker or non-smoker.

A broker to insure my loan as a smoker

A broker to insure my loan as a smoker

Whether or not to smoke, does not change the recommendation to go through a specialist loan insurance broker, who will be able with a wider list of partner companies, to find a competitive rate compared to your profile borrower smoker, or non-smoker.

I smoked at the beginning of my loan but I do not smoke anymore today…

Your smoking status may change one way or the other during the life of your credit. A smoker becomes a non-smoker after 24 months without smoking, and can change his rate in relation to his current insurance if there is a premium in relation to cigarette consumption. The procedure is very simple, take a nicotine test and send the results with a request for reconsideration of the rate of insurance to the company that insures you. In case of refusal you can change your non-smoking loan insurance (with the agreement of the banker) to buy a cheaper one that will take into account your non-smoking status; with the same guarantees.

Credit insurance for cheaper smoker

Credit insurance for cheaper smoker

Bank loan insurance is often more expensive for smokers than non-smokers. Lying to the question “Are you a smoker” can be strong to save on loan insurance, but be aware that any misrepresentation will be easily pointed out when requesting reimbursement by the insurance company. The insurer will consider the contract void and the borrower or his relatives in the event of death will have to repay the credit; you will then have paid a borrower guarantee for nothing. That is why the insurance broker-of-loan-not-expensive offers solutions of guarantee borrower smoker cheaper, so do not hesitate any more and subscribe your delegation with the broker N ° 1 for the smokers! Insurance solution for smoking borrowers often too expensive.

Rate of loan insurance when you are a smoker

Rate of loan insurance when you are a smoker

The statistics are not good and the borrower insurance rates for smokers are higher for obvious reasons. Despite this, insurance companies have adapted the offer to insured smokers. The life insurance policy is the difference between smoker and non-smoker, but it is modifiable during credit.

If you are SMOKING and you pay a surcharge for smoking too expensive on your insurance? The cheap loan insurance broker offers the best loan insurance for smokers. With the Lagarde Law you are free to reduce the cost of your current protection!

 

Credit Insurance: Definition, Benefits and Products.

When banks or financial institutions provide loans to debtors (people who make loans), there is certainly a risk, right? For example, the risk of default is due to the debtor’s death. Such an event is definitely unavoidable. Therefore, the bank or loan institution must anticipate it.

How? Of course transfer the risk to other parties, namely insurance companies. There is such thing as credit insurance, which is protection against the risk of debt default.

When an undesirable thing happens to the debtor that results in default, the insurance company will replace or pay off all debtor debts to the bank or financial institution.

Like other insurance, of course there are premiums. Therefore, any loans provided by banks or financing services are usually included in insurance. But there are also optional ones where the debtor (borrower) must buy this insurance package.

Come on, see how important this credit insurance, benefits, and how to register.

Reasons Why Credit Credit Is Important

Reasons Why Credit Credit Is Important

Credit insurance provides protection so that loan repayments can remain paid off despite unexpected risks. The risks borne are death, permanent disability, and layoffs at the debtor. So, heirs do not need to bear or be liable to pay off credit debt.

Credit insurance provides dual protection, both for creditors or lenders and for heirs left by debtors or recipients of debt.

It should be noted, credit insurance is not a way out to avoid payment or repayment of debt. The insurance company only covers the risks that have been regulated in the credit insurance membership certificate.

If your credit insurance is rejected, the creditor will still ask you to pay off the debt despite having to confiscate your assets. However, this step is still regulated in the corridor of applicable law.

To avoid rejecting claims from credit insurance companies, there are a number of important things that you must understand and know. In order for the heirs to not be confused because they have to bear a variety of risks they may not be able to bear it if you die, permanent disability, or lose your job so you cannot complete your obligations.

Important Things to Look For When Taking Credit Insurance

Important Things to Look For When Taking Credit Insurance

Like an insurance that provides protection, sometimes there are also claims that are rejected for various reasons. To avoid refusing credit insurance, there are a number of things you need to pay attention to as discussed below:

  • Participants must complete SPPAJ (Application for Life Insurance Closing) in full, honest and correct.
  • Request proof of membership certificate to the insurance company through the lending bank.
  • Learn the benefits, duration of coverage, and exceptions to the membership certificate.
  • Inform the heirs about credit debt and participation in credit insurance.

Some of the reasons for submitting credit insurance claims rejected by insurance companies are as follows:

  • Information in the SPPAJ (Life Insurance Closing Request) is not in accordance with the actual condition and medical history
  • Requirements for submitting claims are not completed
  • The insurance period has expired

Also keep in mind that there are some exceptions in credit insurance that need to be understood. The following are some of the risks not covered by this insurance:

  • Nuclear reactions or the like that make the debtor’s business fail and affect their ability to pay their obligations
  • Political risk that causes the failure of the debtor’s business
  • Legal actions taken by the government against debtors have an effect on the ability of debtors to repay their loans
  • Natural disasters
  • As a result of errors or omissions from banks or financial institutions that provide credit

How to Apply for Credit Insurance

How to Apply for Credit Insurance

The following is a guide to registering for credit insurance:

  1. Register through the lending bank
  2. Fill in the Application for Closing Life Insurance (SPPAJ)
  3. Pay premiums in accordance with the terms of credit insurance
  4. Proof of credit insurance is not in the form of a policy but rather a membership certificate from an insurance company

For the debtor himself, there are separate provisions that must be met. Debtors received by insurance companies as insured objects are those aged 20 to 64 years. With an estimated age of 65, the debt can be paid off.

Now, you can check again whether your loan has credit insurance or not. Meanwhile, for those of you who are planning to borrow, it’s good to consider this insurance in your loan package. Because, usually there are banks or financing services that have completed your loan contract with insurance, some are optional.

Of course you do not expect anything bad but there is nothing wrong just in case, right? Indeed credit insurance adds to your borrowing costs, but the benefits far outweigh your premium payments.

You and your family can be much calmer. If you die or cannot work due to total permanent disability that results in default, the family will not be billed by the bank.