A loan insurance delegate cheaper?

A loan insurance delegate cheaper?

Founded in 1938 in the Lyonnaise region, the Apecal group is one of the leading French specialists in complementary social protection. Resulting from the metallurgical association of foresight (AMP), Apecal is the leader of complementary health, complementary retirement and providence in the Rhône-Alpes region. The group benefits from a national network distributed in cities such as Paris, Marseille, Montpellier, Dijon. In 2008, Apecal launched a new website allowing its users to simulate a quote request or subscribe to an online health contract.

Choose freely on external loan insurance

Choose freely on external loan insurance

Since the implementation of the Cogilaw Company in September 2010, you are free to take out the loan insurance of your choice without the bank being able to oppose it if the level of guarantee of the external loan insurance contract is equivalent to that of the group contract she offers you.

Make the best choice by comparing Apecal loan insurance

Make the best choice by comparing Apecal loan insurance

The online comparison of insurance offers from several insurers will allow you to choose the cheapest contract that best meets your expectations. By playing the competition, you will enjoy the protection that will be the most advantageous.

By using the services of a broker, you will save time in your process of finding the best offer and will be able to choose your contract among the offers he has negotiated. The Mary Poppins.fr brokerage firm can get you the best price for your Apecal loan insurance.

Enjoy the Act Cogilaw Company Insurance for Loan

The Cogilaw Company is transparent information as well as freedom of choice for borrowers, thanks to the prohibition on banks to impose their home insurance policy. Obligation of banks:

  • Acceptance of the loan insurance delegation if the contract offers equal guarantees
  • Indication of the reasons for the refusal of the external borrower guarantee
  • Prohibition to change credit conditions in case of individual guarantee choice

Impose your choice thanks to the Fercum Law

Impose your choice thanks to the Fercum Law

  • The Fercum scheme clarifies the relationship between credit institutions and consumers. “Loan/insurance linked sales” are now prohibited
  • The bank can have sanctions if it does not respect the law

How to contract a credit insurance delegation contract

  1. Perform your simulation using the online calculation tool
  2. Receive a loan insurance offer (email/sms)
  3. Contact an expert broker to establish an offer
  4. Subscribe to the contract within 24 hours (without health problem)

 

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