Contrary to popular belief, there are few situations in which it is mandatory to insure. Thus, only third party liability has been made compulsory: you must be insured for any damage you may cause to others. Yet we subscribe insurance for our cars, our homes, for our health. Why ? because, thanks to pooling, insurance makes it possible to insure against an uncertain risk that would often be too heavy to bear alone.

The problem is that we often pay too much for everyday insurance.

For Wealth A7, the goal is for everyone to pay the right price for the right insurance and nothing more.
Our approach is comparative: we compare contracts available on the market to offer you the best services at the best cost.

In the past, it was difficult to change insurance during life. Today, law allows you to do this. Take advantage of it: this is the best way to review your guarantees and make great savings!

Are you tired of paying too much insurance? To be insured twice for the same thing? You got a great rate for your bank loan but credit insurance explodes the budget? You would like to take out a guarantee against unpaid rent but you think the cost is too high?

Let's take stock of your contracts and with Wealth A7, start saving!

Life and health insurance

Life and health insurance - subscribed individually or collectively - aims to cover the risks related to individuals and protect you against the financial consequences of a personal injury, illness, the death of a beloved one or even disability.

We can distinguish between provident insurance (this category includes borrower insurance, education pensions in particular) and health, the latter being covered on one side by compulsory schemes (in particular Social Security) and on the other by the additional guarantees that everyone can choose to subscribe to through mutuals and / or insurers.

This type of insurance can be very useful to the entrepreneur with the "key-man" guarantee - who can be a "key-woman" :). Indeed, the prosperity and durability of many companies rests on the shoulders of a single individual: the entrepreneur. If he or she falls ill or gets injured, the survival of the company is threatened. Unless you have subscribed to the right insurance policy!

Loan insurance

BORROWER INSURANCE deserves a chapter! Changes in law (Hamon law, Bourquin amendment) have created more flexibility for underwriting and changing credit insurance. New players seized the opportunity by offering, for equivalent guarantees, far more attractive tariffs than bank rates. For you, it is often a saving of several thousand euros!

The borrower insurance to guarantee a loan makes it possible to be insured in the event of death, disability and / or loss of employment. We commonly speak of ADI (Death and Disability Insurance).

It's a security:

  • for the bank - it is sure to be reimbursed in the event of death, disability or loss of employment - depending on the options chosen by the subscriber;
  • for you and your family since if any of these events occurs, the insurance comes into action: the loan is repaid, the property is yours.

The insurance can be subscribed with the lender but you can also opt for a delegation of insurance by soliciting the insurer of your choice. The level of guarantee must be equivalent to the insurance contract offered by the lender.

Can I change my insurance during the loan?

2 legislative devices allow you to terminate the loan insurance signed with the bank or an insurer for the benefit of a new insurance with a level of guarantees at least equivalent for a more attractive price:

  • The Hamon law of 2014 allows you to cancel your loan insurance throughout the first year of subscription with a 15 days notice;
  • Since January 2018, the so-called "Bourquin" amendment allows you to cancel your loan insurance each year, on the date of expiry of the contract, with a 2 months' notice.

What is the insured percentage?

When there are several borrowers, it is necessary to specify the share of the insured capital for each one: it is the insured quota.

For example, if there are 2 co-borrowers, it is possible:

  • to insure each co-borrower for 100% of the borrowed capital. If one of the co-borrowers dies, the insurer will reimburse the bank for all remaining outstanding capital;
  • to insure each co-borrower for a portion of the capital, for example up to 50% each. In the event of the death of one of the co-borrowers, the insurer will pay the bank 50% of the outstanding capital, which is the share of the deceased co-borrower.

Property and liability insurance

You must have one or more contracts to insure your property. So you're sure you can save money today and we'll explain how!

Goods insurance covers the branches of insurance that are not directly related to human life. They are very diverse and contribute directly to the sustainability of economic activity and of your assets.

Auto, motorcycle, boat... insurance is used to protect your property once the risk has happened. Thanks to the property and liability insurance policies, your insurance will reimburse you for damages or the cost of repairs, it may also provide you with a courtesy vehicle while yours is under repair, pay your legal costs and much more.

Real estate: in terms of real estate guarantees, there are several types of insurance. For your primary or secondary residence, the household insurance. For rental real estate, the Non-Occupying Owner, Unpaid Rent Guarantee, the legal protection of landlords and the Collection of Unpaid Rent. For all your belongings: the resale protection insurance.

Being well insured does not mean that you always have to pay a high price. The insurance market is very competitive. With us, play this competition by comparing offers!

At stake: benefit from better guarantees for the same price or keep the same guarantees by paying less.

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