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Réalisez jusqu'à 50 % d'économies sur l'assurance de votre prêt !
Notre offre assurance de prêt
Demande de devis
Mieux comprendre
Contacts Nos partenaires
C : COURTAGE
Votre spécialiste en assurance de prêt
H
A
B
I
T
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Loan Insurance
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L nI Senior 2
Seniors
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Loan Insurance from age 60
Yo u r C o v e r - 2 0 0 5 / 2 0 0 6 F o r loans of E7,500 to E310,000 R e d u c e d medical formalities S u b s c r i p t i o n possible from age 60 (up to age 80) " B o n u s " ser v i c e s : removal and works and Remote monitoring
assurances
U N D E R S TA N D I N G
An innovative contract in response to the new requirements of the over-60's
What my loan insurance covers
· In the event of Death or Total and Irreversible Loss of Autonomy (TILA), we undertake to repay the total amount of the outstanding capital to the credit organisation with which you subscribed your loan, within the limit of the capital covered. · You can cover all types of loan from 7,500 euros upwards : · To help your children or grandchildren, to buy a vehicle, · To buy a second home, etc. We now cover bridging loans if there is not a principal loan.
Calculation of premiums
· Your premium is variable. It changes every year, depending on the outstanding capital and your age. In addition, for loans subscribed jointly, the subscription fees and payment charges will be applied once only if the payment frequency is the same.
Price advantages with LnI Senior 2
· If two of you subscribe together Each insured party has a price advantage on the amount of the premium, whatever their situation: married, living together, under French "pacs" contract, brothers or sisters, associates, etc. To take full advantage of this, the two insured parties must subscribe simultaneously on the same contract for the same loan. · If you are a non-smoker You may have the benefit of even lower premiums.
A new Unpaid Rent contract from APRIL IARD
· In the event of your tenant's failure to pay the rent, and starting from the date of formal notice, we pay the rental amount due : you therefore have no additional finance to provide! This cover includes all collection procedures after the formal notice and up to e8,000 cover against property damage. · The vacant rental property covers 3 months' rental if you do not succeed in renting your prop erty after the departure of the first tenant. Please ask your insurance consultant for information or call 0820 815 820 (e0.12 inc. VAT/min). · To simplify the procedure, your cover and your premiums are automatically revalued every year.
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U N D E R S TA N D I N G
Basic cover
Death Total and Irreversible Loss of Autonomy (TILA)
In the event of Death or TILA, we undertake to pay the lending organisation the outstanding capital of your loan, within the limit of the capital covered. Minimum Capital insured Death / TILA capital Age limit on subscription Age limit for benefits e7,500 Death 80 years 85 years Maximum Capital insured e310,000 TILA 64 years 65 years
Examples of premiums for different situations
Premiums 2005 inc VAT
Examples of situations Ms Richard is 65 years old. She decides to borrow e100,000 over 10 years. She is a retired executive. She smokes. Premiums LnI Senior 2
Total cost of insurance over 10 years : e19,627*. Overall average rate: 1.96%.
Mr Brown is 60 years old and a non-smoker. He is an executive in a small/medium-sized company. He borrows e150,000 over 15 years. Mr and Ms Strong are both 62 years old. Neither of them smoke. They are retired and decide to borrow e75,000 over 10 years. Mr. Strong had a job with executive status and Mrs. Strong was a shopkeeper. Michaels are 60 and 65 years old respectively. Mr. Michaels is an executive and Mrs. Michaels is a retired executive. They borrow e150,000 over 15 years. They are non-smokers.
* Excluding charges additional to premium
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Total cost of insurance over 15 years : e17,958*. Overall average rate: 0.80%.
Total cost of insurance over 10 years : e12,747*. Overall average rate for the 2 insured parties: 1.70%.
Total cost of insurance over 15 years : e45,059*. Overall average rate for the 2 insured parties: 2%.
Medical formalities
Capital insured in From e7,500 to e75,000 From e75,001 to e150,000 From e150,001 to e310,000 Age on subscription up to 80 Health questionnaire (9 questions) Health questionnaire + Medical report Standard medical documentation
Standard medical documentation : prop osal with medical questionnaire + medical report + Blood profile 1 + cytobacteriological examination of urine and chemistry of urine + electrocardiogram with cardiologist's report. Blood profile 1 : blo o d count, blood sedimentation rate, measurement of glycaemia, creatinine, urea, uric acid. Tests for antiHIV1 and 2 antibodies by enzymology (2 reagents), hepatic enzyme profile (with Gamma GT, transaminases SGOT-SGPT, alkaline phosphatases), lipids profile (with total cholesterol, HDL, LDL, total cholesterol/HDL ratio, triglycerides), measurement of HBs antigens, anti-HBc antibodies, anti-HCV antibodies.
Simplified medical procedure
For quick and easy completion of your medical formalities, APRIL Assurances recommends CBSA. CBSA make their medical centres available for all medical formalities prior to subscription of the contract, in one visit to the same place.
· An appointment is always available in less than 48 hours. · No time lost unnecessarily: CBSA is committed to a maximum waiting time of 30 minutes for all examinations. · No money to advance: You have the benefit of the "tiers-payant" direct payment system in France. · Greater reactivity: the results of your analyses are electronically transmitted directly to the APRIL Assurances medical
unit. Medical confidentiality is respected and your application is processed within 24 hours (on receipt of your complete medical documentation). Addresses of medical centres : TOWNS Paris, 16th district Lyons, 6th district Lille Marseilles, 8th district Toulouse Le Havre Pau Grenoble, St Martin d'Hères Strasb ourg Reims
To make an appointment, just one number to call
0825 332 932
(E0,15 inc. VAT/min)
from Monday to Friday, 8 am to 8.30 pm, and Saturday, 8 am to 12.30 pm
The full addresses will be given to you when you make the appointment. An access map will be sent to you by email if required. If your town is not included in this list, please do not hesitate to contact us: the number of CBSA centres is constantly increasing, we will certainly be able to suggest a solution close to your home.
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your cover
"BONUS" SERVICES
To make your move easier and for your well-being and security, APRIL Assurances offers you 3 additional services :
Reliable home monitoring and protection
Choose security and contact April Theft Protection on
0820 900 148 (0,12 inc. VAT/min)
To ensure that your home is secure and for your peace of mind, April Theft Protection offers you a high quality protection and monitoring service : · our partner offers you a service using cutting edge equipment, maintained and checked every day · a remote monitoring centre, active 24/24 · introduction of the appropriate resources in the event of intrusion: intervention by a security agent, caretaking, repair of entry points. You will also find this high quality in the advantages offered by our partner : "Satisfaction or Refund" guarantee : After installation, the service does not correspond to your requirements? You have a month to notify our partner, the equipment is removed and you receive a refund for all sums paid. Waiver of theft excess : Your home is burgled even though you have set the alarm? You will not have to pay the theft excess amount if you have insured your home with APRIL IARD.
Move with full confidence : by calling 0892 880 480 right now
(e0,34 inc. VAT/min)
·
You will obtain: a removal firm's estimate, price reductions. You even have access to our removal shop and the advantage of compensation cover against damage to your property during the removal.
Get work done on your home without any hassle : by calling 0892 108 007 right now (e0,34 inc. VAT/min)
·
· ·
his gives you access to a national network of construction companies selected for the quality of their work and for meeting deadlines. You have the advantage of controlled, supervised prices. You are advised on estimates for work, and you delegate all your big projects: extensions, improvements, renovations, etc. You can also request an opinion on the amount of your estimates or a visit by a project manager (e120 inc. VAT), You have a full guarantee of one year on all work done.
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your cover
A P R I L A s s u r a n c e s b y yo u r s i d e
APRIL Assurances designs, manages and distributes simple and innovative insurance solutions, manages them with constant emphasis on reactivity and quality, and distributes them via a network of independent insurance consultants. With ISO 9001 version 2000 certification for its personal insurance design and management activities, APRIL Assurances puts customer satisfaction at the heart of its commitments.
A wide range of solutions
Highly diversified, they enable APRIL Assurances to offer a response to the widest possible range of insurance requirements : family, employees, borrowers, seniors, directors, the self-employed, students, travellers.
Providence Health insurance and individual providence solutions.
Phone
Loan insurance and credit offer solutions.
Phone
Health insurance and providence solutions for companies, protection for company directors.
Phone
0 891 46 9000
0,23inc . VAT/min
0 891 46 6000
0,23inc . VAT/min
04 72 36 75 35
· 94% of people insured are satisfied with APRIL Assurances* products and services, · 96% of our insurance consultants would recommend APRIL Assurances to a colleague**.
In 2005 APRIL Assurances entres Top 25 compagnies "Best places to work" in France.
APRIL Assurances subsidiaries
Saving, retirement and defiscalization solutions.
International insurance solutions.
Automobile and home insurance solutions.
Key facts
· APRIL Assurances founded in 1988, · Division of APRIL GROUP, listed on the Paris bourse (SBF 120), Your Insurance Consultant · Almost 1 million people insured individually or through C: COURTAGE their employers, 17 Villa du Petit Parc · 550 staff, · 1 ,400 independent insurance consultants. 1
94000 CRETEIL Tél. : 01 45 17 68 68
a s s u ra n ce s
Registered office, 27 rue Maurice Flandin - BP 3261 69403 Lyon Cedex 03 Fax 04 78 53 65 18 - Internet www.april.fr
APRIL ASSURANCES IS A DIVISION OF APRIL GROUP
Insurance management and broking SA with capital of 500,000 - Registered on the ALCA list - 428 702 419 RCS Lyon. Financial and professional civil liability cover in accordance with sections L530.1 and L530.2 of the Insurance Code.
Réf. 10001 - All marks, logos, graphic layout and promotional text contained in this document are registered and the property of APRIL Assurances SA.
· Immediate processing of documentation for management within amaximum 24 hours.
These elements, and text of any kind, may not be reproduced in whole or in part. Failure to comply with this rule will lead to legal action. *cumulative total of "satisfied" and "fairly satisfied" replies to an IPSOS phone survey carried out in May 2004 with a sample of 800 people insured. **ccumulative total of "would certainly recommend" and "would probably recommend" replies to an IPSOS phone survey carried out in May 2004 with a sample of 240 correspondents and October-November 2004 with a sample of 240 correspondents.
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