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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
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Loan insurance
(
new
Lnl Solution
Special risks
)
For borrowers with insurance problems
Yo u r c o v e r - 2 0 0 5 / 2 0 0 6
Subscription possible up to age 70 f o r Death cover M ax imum Capital insured in PTD/TTIW: "Bonus" ser v i c e s : removal, works and Remote monitoring Pe r s o n a l i z e d quotation for: increased-risk illnesses, dangerous professions and high risk sports Capital from 15,000 to 1,220,000 310,000
assurances
U N D E R S TA N D I N G
Lnl Solution
Loan insurance special risks
A contract adapted to each personal situation for Loan insurance cover
Loan insurance Solution: a personalized quotation
You present an increased medical risk for which the usual conditions of medical selection cannot provide a response; · You have a high risk trade: manual work, dangerous work, work at heights, etc. · You practise a dangerous sport or professional sport; A s soon as possible, if your risk is insurable, we offer you the most suitable quotation.
·
Personalized processing
· ·
To optimize the processing and follow-up of your application, a personal consultant takes responsibility for the whole procedure; To save you time and avoid you having to repeat unnecessary procedures, you identify the missing elements of your application with your consultant through a personalized study.
02
your cover
Basic cover
Death Total and Irreversible Loss of Autonomy (TILA)
In the event of Death or Total and Irreversible Loss of Autonomy (TILA), the outstanding capital is repaid to the lending organisation, within the limit of the capital covered. The amount insured may not exceed the amount of the contractual debt.
Minimum Capital insured
Death / TILA capital 15,000
Maximum Capital insured
1,220,000
Death TILA Age limit on subscription.................................................................................................................70 ............................................................................................................60 (1) Age limit for benefits ..........................................................................................................................75 ................................................................................................................65
(1)TIL A cover cannot be subscribed after the age of 60 on subscription.
Options
Temporary Total Incapacity to Work (TTIW) and Permanent Total Disablement (PTD)
In the case of a total work stoppage, from the end of the waiting period of 90 days, loan repayments due are reimbursed throughout the period of Temporary Total Incapacity to Work or Permanent Total Disablement.
Minimum Capital insured
Capital TTIW/PTD(2) 15,000
Maximum Capital insured
310,000
TTIW/PTD Age limit on subscription .............................................................................................................................................................................59 Age limit for benefits...................................................................................................................................................................................... 60
(2)If the amortization deferment period is between 6 and 24 months with irregular instalments, TTIW/PTD cover cannot be subscrib ed.
?
Understanding with APRIL Assurances
Why has the new Remote monitoring service been introduced?
Because 407,500 burglaries were recorded in 2004 by the Ministry of the Interior, i.e. nearly one burglary per minute! Because 60% of them take place during the day, especially between 2 and 4 pm! Therefore, to protect you from the consequences of a burglary, and to ensure that your home is a secure, comfortable place, we offer you a high quality protection and monitoring service.
03 your cover
Medical formalities
Medical formalities depend on your age and the amount of capital subscribed.
Capital insured*
Less than e80,000 e80,000 to e160,000 e160,001 to e310,000
Age under 55
Health questionnaire Health questionnaire Health questionnaire + Medical report* + Blood profile 1 + Urine analysis Health questionnaire + Medical report
Age 55 to 70
Health questionnaire + Medical report Health questionnaire + Medical report Health questionnaire + Medical report + PSA (Prostatic Specific Antigen required for male applicants) Health questionnaire + Medical report + PSA (Prostatic Specific Antigen required for male applicants) + Confidential Financial Questionnaire
e310,001 to e920,000
e920,001 to e1,220,000
Health questionnaire + Medical report + Confidential Financial Questionnaire
contacts
Financial Questionnaire: Questionnaire completed by the insured with copy of tax notification, including company profit and loss statement if applicable and amortization table + loan proposal. Urine analysis: Sugar, albumin, leucocytes, blood, cytobacteriology. Blood profile 1: Blood count, blood sedimentation rate, levels of glycaemia, creatinine, urea and uric acid. Tests for anti-HIV1and 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.
* Capital to be réduction taken into account: the capital for the new contract together with capital from previous contracts.
option
Reimbursement of medical expenses
A conserver par l'assureur-conseil
Medical examination costs incurred by the insured will be refunded by APRIL Assurances: · Once subscription is effective, · In the case of rejection of the application by APRIL Assurances, · In the case of a proposal for conditional subscription by APRIL Assurances. If you pay the medical costs directly, please send us an original invoice with acknowledgement of receipt by the practitioner. However, the costs will still be paid by the insured in the following cases: · If the examinations carried out were not requested by APRIL Assurances, · If the insured does not follow up his/her subscription application for a reason other than those specified in the first paragraph.
mé au créancier Je renvoie cet impri irement un relevé obligato en y joignant tal (RIP) banca (RIB) ou pos d'identitén e w ire au dos) (agrafé
Simplified medical procedure
F v quick A saoroir and easy completion of your medical formalities, APRIL Assurances recommends CBSA.
A par l'assuré· An appointment is always available in less than 48 hours.
CBSA make their medical centres available for all medical formalities prior to subscription of the contract, in one visit ns the coto erversame place.
· No time lost unnecessarily: CBSA is committed to a maximum waiting time of 30 minutes for all examinations A noter · 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
A conserver receipt of your complete medical documentation). (on par le souscripteur
medical examiner: medical confidentiality is respected and your application is processed within 24 hours
Paris, 16th district Lyon, 6th district Marseille, 6th district Toulouse Le Havre Pau Rappel Grenoble, Meylan Strass o ormalités médicale bs urg Reable et état de santé val ims s llecas 3 mois (ou 6 moiLien nce) cure
Addresses of medical centres: For documents to be enclosed, se TOWNS please see the rever of this page
Bon à savoir
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 Saturday 8 am to 12.30 pm
de reprise à la con
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.
la pré oyan e PourIf yourvtowncis not included in this list, please do not hesitate to contact us: the number of CBSA centres is constantly increasing, ent uneqwill certainly be able to suggest a solution close to your home. w i uem
inclus
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your cover
F
"B ONUS" 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
new
To ensure that your home is a secure, comfortable place, 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 ever y 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 of 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. Reliable home monitoring and protection. Choose security and contact APRIL Theft Protection on
0 820 900 148 ( 0.12 inc. VAT/min)
Move with full confidence: by calling 0 892 880 480 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 0 892 108 007 now (e0.34 inc VAT/min)
·
· ·
This 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, sup er vised 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 the work done.
05
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
· Immediate processing of documentation for management within amaximum 24 hours. · 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 companies "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 "Second Marché" of the Paris bourse, · Almost 1 million people insured individually or through their employers, · 550 staff, · 1 ,400 independent insurance consultants. 1
Your Insurance Consultant
C: COURTAGE 17 Villa du Petit Parc 94000 CRETEIL Tél. : 01 45 17 68 68
assurances
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. 10003 - All marks, logos, graphic layout and promotional text contained in this document are registered and the property of APRIL Assurances SA.
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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Loan insurance
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Lnl Solution
Special risks
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For borrowers with insurance problems
Quotation request - 2005/2006
Subscription possible up to age 70 f o r Death cover M ax i m um Capital insured in PTD/TTIW: "Bonus" ser v i c e s : removal, works and Remote monitoring Pe r s o n a l i z e d quotation for: increased-risk illnesses, dangerous professions and high risk sports Capital from 15,000 to 1,220,000 310,000
assurances
Reserved for APRIL Assurances
Lnl Solution
Loan insurance special risks
PRE 4101
Quotation request
000E0F4B
insurance consultant no. Fax sent (date) subscrib er no. Are you already insured with APRIL Assurances YES NO PLEASE COMPLETE THIS SUBSCRIPTION APPLICATION IN BLOCK CAPITALS Subscriber Company Private
Stamp and signature of insurance consultant
C: COURTAGE 17 Villa du Petit Parc 94000 CRETEIL Tél. : 01 45 17 68 68
Company name/Name: ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................ A ddress: .................................................................................................................................................................................................................................................................................... Post code: Town: ....................................................................................................................................................................................
INSURED 1
Mr
Mrs
Ms
Name: .......................................................................................................................................................................................................................... First name: ................................................................................................................................................................................ Date of birth So cial Security subdivision: So cial Security Self-Employed Agricultural Other: ...................................................................................................................... Status*: Executive Executive category Non-executive Profession Artisan Trader Farmer Exact profession: .................................................................................................................................................................................. A ctivity sector: ........................................................................................................................................ Employer: .......................................................................................................................... No. of business km/year (excluding journey between home and work): 15 000 km/year + 15 000 km/year Work abroad: if yes, Country: ................................................................ Do you regularly handle loads in your work ? Yes No Frequency of trips abroad: ............................................................................ Do you work at a height of over 15 metres? Yes No Work contract: Permanent work contract Fixed term contract Temporar y worker Seasonal worker <1/2 time Suspension of work contract; reason: ................................................................................ Planned date of removal: Shared information Present address: ................................................................................................................................................................................................................................................ Post Code E-mail: ........................................................................................................................................................................................................................................................................................ Phone (home) Future address: .................................................................................................................................................................................................................................................... Post Code
Town: Town:
..........................................................................................................................................................................
M obile
..........................................................................................................................................................................
Loan characteristics
Insurance start date (Date of signing loan offer): Loan amount
...................................................................................................................................................................
Date of 1st repayment: Total duration of loan (including deferred amortization or pre-payment period) Interest rate
....................................................
Rate type Fixed Variable
Euros
.........................................................................
M onth(s) Interest-only
%
Typ e of loan:
Classic Zero-interest loan
Leasing Successive release operations
Flexible Bridging loan Other: ......................................................................................................................................
Main residence Prop erty purchase Rental investment Personal loan Professional investment Other: .............................................................................................................................................................................................................................................................................................................................................. If frequency other than monthly, please: ........................................................................................................................................................................................................................................................................................................................................................................................................................................................................ Deferred amortization or pre-payment period: Yes No Number of months: Are the loan repayments constant throughout the deferred period? Yes No (if no, TTIW/PTD impossible for interest-only loans and loans with deferred amortization between 6 and 24 months) Lending organisation: Name: ................................................................................................................................................................ A ddress: ................................................................................................................................................................................................................................................................ Post Code: Fax : Town: ............................................................................................................................................................................................................................ Phone : If the delegation of benefit is to be sent to another address (branch or registered office), give details: ........................................................................................................................................................................................................................ A ddress: .................................................................................................................................................................................................................................................................................. Post Code: Town: .................................................................................................................................................................... Fax: Phone: If the beneficiary is not the lender, please send us the bank's written agreement and specify the beneficiary clause (e.g. available on Intrapril):..................................................
..............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
Purp ose of loan:
Characteristics of insurance Insured
Death/TILA coverage rate(1) Loan cover
..........................................................................
(DC)
TTIW/PTD coverage rate(2)
..........................................................................
(AT)
%
%
Payment by direct debit
Frequency: monthly quarterly six-monthly annual Payment charge: e2.29 per payment Indicate the day of the month for debiting your premium, between 1st and 10th. . Ser vice charges: e45.73 I enclose a cheque in advance payment for the amount of (minimum e45) .......................................... e made out to APRIL Assurances.
I apply for subscription to the APRIL Assurances "Association des Assurés" and its subscribed agreement with Axeria for loan insurance cover. "I declare that I have been informed of the statutes and internal regulations of the APRIL Assurances "Association des Assurés". I declare that I have been informed of the general terms serving as information notice, reference PREA 05-08/05, for my cover as attached to this subscription application, and in particular of my right to withdrawal, that I accept their provisions and have kept a copy of them, together with the terms applicable to APRIL Assurances management operations. Within the framework of modification of my contract by means of an additional clause, I note that the general terms applicable are those of which I was informed on signature of the initial subscription application and referenced above. I confirm that I have been informed that the information collected is necessary for the assessment and processing of my subscription application, and that the administrative information is subject to computer processing by APRIL A ssurances and the Insurer, or their authorised agent, for requirements associated with execution of my subscription to the contract. In accordance with the law of 6 January 1978 (modified), I have the right to access and, if necessary, rectify any information concerning me held in these files by writing to APRIL Assurances - 27 rue Maurice Flandin, 69003 Lyon. APRIL Assurances may use certain administrative information and communicate this information to its partners, a list of which will be sent to me on request, in order to enable them to offer me new products or services. In accordance with the law of 6 January 1978 (modified), I can oppose such communication by simply writing to APRIL Assurances (at the above address), and the postage cost will be refunded to me. I declare that I have been informed that my phone communications with April Assurances offices may be recorded for internal management purposes. I may obtain access to the records concerning me by sending a letter to the following address: APRIL Assurances, 27 rue Maurice Flandin, BP 3261, 69403 LYON CEDEX 03, it being understood that each record is kept for a maximum period of two months. I, the undersigned, declare that I have answered the questions asked exactly and sincerely, and that I have not declared anything or omitted to declare anything that could mislead the April Assurances "Association des Assurés" Insurer.
Signed in: Date Signature of Subscriber preceded by the wording "read and approved" Signature of Insured preceded by the wording "read and approved"
02
quotation request
Lnl Solution
Loan insurance special risks
Health questionnaire increased risks
(
1 2 3 4 5 6 7 8
You must answer all these questions yourself, as exactly as possible, since your statements are legally binding. This health questionnaire is essential for assessment of the risk that the insurer intends to cover. Failure to reply to one of the questions will give rise to additional requests. The medical information you communicate is covered by professional confidentiality. By giving us as much information as possible, you will help us to give you an answer as soon as possible. In order to keep this questionnaire confidential, please send it in a sealed envelope to the APRIL Assurances Medical Examiner.
)
Insured
Name: ........................................................................................ First name: ................................................................................ Weight: ...................................... in kg Height: ................................................ in cm Blood pressure:
yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes yes no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no no Reason? .......................................................................................................................................................................................................................................................................................................................... Start date End date Reason? .............................................................................................................................................................................................................................................................................................................................. Type: ...................................................................................................................................................................................................................................................................................................................................... After-effects: .......................................................................................................................................................................................................................................................................................................... Type: ........................................................................................................................................................................................................................................................................................................................................ Duration: .......................................................................................................................................................................................................................................................................................................................... Type: ............................................................................................................................ After-effects? .................................................................................................................................................... In the case of sight problems: visual acuity after correction:: Left eye: ...................... Right eye: ........................ Rate? ........................................................................................................................................................................................................................................................................................................................................ What? .................................................................................................................................................................................. Date After-effects: .............................................................................................................................................................................................................................................................................................................. What was the result: .......................................................................................................................... Date Treatment? .................................................................................................................................. Since when? Date ? Date ? What: ................................................................................................................................................................ Treatment: .................................................................................................................................... Since when? What?.................................................................................................................................................................................. Date? What? ...................................................................................................................................................................................................................................................................................................................................... What? ...................................................................................................................................................................................................................................................................................................................................... Date? Location: .................................................................................................................................................... What?: .............................................................................................................................................................................. Date? Date ? Treatment: .................................................................................................................................................................................................................................................................................................................. Location: ............................................................................................................................................................................................................................................................................................................................ IDD NIDD Treatment:: .............................................................................................................................................................................................................................. Rate: ........................................................................................................................................ Treatment: .................................................................................................................................................. Numbers of crises/year: .......................................................... Treatment: .................................................................................................................................................. Location: ........................................................................................................ Date of appearance? Type: .................................................................................................................................... Location: .......................................................................................................................................................... What? .................................................................................................................................................................................................................................................................................................................................... Type: ........................................................................................................................................................................................................................................................................................................................................ Classification: ...................................................................................................................................................................................................................................................................................................... Classification: ............................................................................ End date of treatment? Treatment: .................................................................................................................................................................................................................................................................................................................. Type: .................................................................................................................................................................................... Date? Treatment: .................................................................................................................................................................................................................................................................................................................. Type: .................................................................................................................................................................................... Date? What? ...................................................................................................................................................................................................................................................................................................................................... If yes, daily quantity:.................................................................................................................................................................................................................................................. litre(s) If yes, daily quantity: .............................................................................................................................................................................................................................. cigarette(s) Date of last examination? Result: ...................................................................................... Date of last examination? Date of last examination? Result: ...................................................................................... Result: ......................................................................................
Are you currently on sick leave, or have you been on sick leave for over 15 days in the past three years? Are you 100% covered for a long term illness, or is an application for 100% cover in progress? Have you been hospitalized for over 10 days in the past ten years, or are you due to undergo a surgical operation? Have you been hospitalized for convalescence, treatment or re-education or stayed in a spa during the last five years? Do you suffer from a congenital malformation or disability? Sight or hearing problems? Do you receive a disability allowance (even partial) or is an application in progress? Have you been the victim of an accidental bodily injury? Have you had a seropositivity screening test - HIV test? Do you suffer from, or have you suffered from, any of the following illnesses: Hypertension Infarct Cardiovascular disease Respiratory disease, asthma, chronic bronchitis Kidney disease (kidney stones, blood in the urine) Genitourinary disease Disease of the digestive system Ulcer Disease of the nervous system Neuropsychic disorder Epilepsy Paralysis Endocrine disorders (diabetes, thyroid) Metabolic disease (cholesterol, etc.) Gout Arthritis, rheumatism Diseases of the bones, joints or ligaments Back problems, herniated disk, lumbago, etc.? Cysts operated on Tumours Cancer Disease of the immune system (AIDS) liver disease (Hepatitis C) Have you had any other illnesses not listed above? Have you received specialist treatment such as radiation or chemotherapy? Are you currently receiving medical treatment? Do you drink alcohol daily? Are you a smoker? Have you had a blood or urine test? Have you had an X-ray examination? Have you had an electrocardiogram? Have you had an electroencephalogram, scan, RMI or other examination? Do you currently hold any life or disablement insurance contracts (capital or income)?
9
NFI CO
TIAL DEN
10 11 12 13 14 15 16 17 18 19
Date of last examination? Result: ...................................................................................... Amount covered: ................................................................................................................................................................................................................................................................ euros Effective date: Maturity date:
Signature of Insured
Signed in: Date 03 quotation request
Copy for INSURED
A conserver par le souscripteur
Professional questionnaire
In the case of professional risk, please complete the entire health questionnaire.
For documents to be enclosed, se please see the rever of this page
Bon à savoir Rappel
Name: .................................................................................................... First name: .................................................................... Age: ............................
1 2 3 4 5 6 7 8 9
What is your job title?
................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
médicales ables et état de santé val cas Please describe your tasks: 3 mois (ou 6 mois en nce) cure ... ... ........... . .. ... ... ..... ........... a) ........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................d..e...rep..r..i..s..e...à....la....con..........
What sector do you work in?
Formalités ......................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
contacts
....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
b) .........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................Po..u..r....la....pré.v..o..y..a..n..c..e ........ ... .. ...... ............ ... .... ... ... ... .. .
....................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
réduction option
uniquement
What is your workplace (in an office, outside, in a factory, etc.)? What machines do you operate?
..........................................................................................................................................................................................................................................................................................................................................
........................................................................................................................................................................................................................................................................................................................................................................................................................................................................
............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
u Ls Are you exposed to difficult working conditions (dust, radiation, asbestos, etc.)? yee "Pl no If so, please provide full information ..........................................................................................................................................................................................................................................................................................................................................................................................................................................................
conserver par Do you need a licence or specific permit to perform your work (such as a driving licence, etc.)l'assureur-conseil or a certificate of capability?
............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
Reimbursement of medical expenses
inclus
s"
yes
Outil d'aide à la vente no
............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................
r mé au créancieby the insured Je renvoie cet impri irement un reles é Do your work activities include: yv no o n y joignant obligat B) ou postal (RIP) e - works in port areas, at sea, underground, at a height or on pylons? If so, give details: ...................................................................................................................................................................................................................................................... (RI d'identité bancaire au dos) (agrafé - handling toxic products, explosives, firearms? If so, give details:.............................................................................................................................................................................................................................................................................................................................................. to the a I send this form t of Do you travel expenses in the course of your work? If so, indicate: ttaching a bank or pos RIP B or identification slip (RI a) How many kilometres do you travel per week? ....................................................................................................................................................................................................................................................................................................................................................................................................to the ba (stapled
To be kept
b) Your transport method .................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. A savoir c) Do you travel outside France? yes no ... ... .. ... ... ... ....... ........... ... . .. ... . if yes, how much time do you spend abroad each year? .....................................................................................................................................................................................................................................................................................................R..e..f..u..n..d....of....me..d..i..c..a..l.. expenses A conserver par l'assuré
Signed in: Date Signature of Insured
Sports questionnaire
In the case of sports risk, please complete the entire health questionnaire.
A noter
A conserver par le souscripteur
Droits d'adhésion offerts
mé au c Je renvoie cet impri iremen to en y joignant obliga(RIB) ou p d'identité bancaire
1 2
What sport(s) do you practise? Do you practise competitive sports? oui
For documents to be enclosed, Which ................ple............. .a.... .s.... .e.... ....see.............. ...the............... ...rev............. .e.... ..r... s.... .e.... ............................................................................................................................................................... of this page
non If so, at what level: (national, international, etc.)............................................................................................................ Bon Frequency: ..............................................................................................................................................................................................................................................................
à savoir
Signed in: Date
Signature of Insured
Rappel
s Formalités médicaleles ab et état de santé val cas 3 mois (ou 6 mois en nce) re de reprise à la concu
Direct debit authorisation
I authorise the establishment holding my account to debit the account, if its situation allows, with all debit amounts specified by the creditor shown opp osite. In the case of a dispute on the debit amount I will be able to susp end execution by simple request to the establishment holding my account. I will settle the dispute directly with the creditor.
Creditor: APRIL Assurances national issuer no.: 142 662 BP nce 27 rue Maurice Flandin - oya3261 - 69403 LYON CEDEX 03 Pour la prév uniquement
Codes Establishment
inclus
Branch no.
Account to be debited
A ccount no Check code
Le "Plus"
A compléter obligatoirement
Mandator y Debtor
Name: .................................................................................................................................................................................................................................. First name:.................................................................................................................................................................................................................... A dress: .................................................................................................................................................................................................................................... Signature: Post Code: Town:...................................................................................... Date:
Establishment holding account to be debited Outil d'aide à la vente Name: ...................................................................................................................................................................................................................................................................... A dress: .................................................................................................................................................................................................................................................................... .............................................................................................o...be...ke.p.t................................................................................................................................................................ T .... ......... ......... .... ... Post Code: Tow r : ............................................................................................................................................................ by the insuned
creditor, I send this form to the ice account post off attaching a bank orB or RIP - mandatory) identification slip (RI the back) (stapled to
04
quotation request
Refund of medical expenses A
I enclose
· My subscription application: completed, dated and signed · My direct debit authorisation: completed and signed · My bank or post office account identification slip · My cheque for the advance payment: made out to APRIL Assurances · Supporting medical documentation, etc.
And after subscription?
Your subscription application is processed as soon as it is received by APRIL Assurances. Cover takes effect at the earliest the day after the date of receipt, subject to payment of the first premium. In the days following signature of your contract, your insurance consultant will give you your insurance documentation comprising:
(
important
· The insured person's guide (practical information) · Your card with your insurance number · Your subscription certificate · Your payment schedule (situation of your account)
)
See the back of this sheet for direct debit authorisation to be completed and signed.
05
quotation request
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
· Immediate processing of documentation for management within amaximum 24 hours. · 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 companies "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 "Second Marché" of the Paris bourse, · Almost 1 million people insured individually or through their employers, · 550 staff, · 1 ,400 independent insurance consultants. 1
Your Insurance Consultant
assurances
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. 10003< - All marks, logos, graphic layout and promotional text contained in this document are registered and the property of APRIL Assurances SA. 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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Loan insurance
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Lnl Solution
Special risks
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For borrowers with insurance problems
G e n e r a l Te r m s - 2 0 0 5 / 2 0 0 6
Subscription possible up to age 70 f o r Death cover M ax i m um Capital insured in PTD/TTIW: "Bonus" ser v i c e s : removal, works and Remote monitoring Pe r s o n a l i z e d quotation for: increased-risk illnesses, dangerous professions and high risk sports Capital from 15,000 to 1,220,000 310,000
assurances
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Outil d'aide à la vente
General Terms
Serving as information notice
To be kept by the insured
Introduction
The APRIL Assurances "Association des Assurés" (association under French law of 1901, 27 rue Maurice Flandin 69003 LYON) and AXERIA Prévoyance (Life Insurance company with capital of 15,000,000 euros 83/85 Boulevard Vivier Merle 69487 Lyon Cedex 03 RCS Lyon 350.261.129) have signed an agreement for group insurance with optional membership and administrative management by APRIL Assurances. The authority responsible for inspection of the Insuring organisation is the "Commission de contrôle des assurances", 54, rue de Châteaudun, 75009 Paris. This agreement is governed by the insurance code, these general terms and the certificates of cover supplied to Subscribers.
within the European Union or Switzerland is possible, on condition s form to the send thi post o attaching a bank orB or RIP that the loan is: identification slip (RI the b - in euros (stapled to - documented in French. Within the framework of TTIW and PTD cover, the Insurerdcovers dical Refun of me repayments falling due on interest-only loans, or with deferral sof expen es repayment for more than 6 months and less than two years, when these repayments are in regular instalments as specified in the d'adhésion amorDroits tization table. offerts
3. The content of your cover
This cover applies throughout the world. 3.1 Death cover
mé au Je renvoie cet impri ireme to en y joignant obliga(RIB) ou P d'identité bancaire
1. Object of the Insurance
Depending on the options and excesses selected on joining by the Subscriber, the agreement covers payment to the lending organisation of the following: · capital in the case of Death or Total and Irreversible Loss of Autonomy of the Insured, · monthly instalments falling due during work stoppage, in the case of Total Incapacity for Work or Permanent Total Disablement for Work, on the part of the insured. The cover applicable to the Insured is defined on the certificate of cover, and is based on the good faith of the parties concerned and the declarations of the Insured and the Subscriber.
In the event of the death of the insured, the capital outstanding on the date of death, as shown on the amortization table and within the limit of the amount covered, is paid to the lending organisation. It can be paid to another beneficiary designated by the subscriber, subject to the written agreement of the lending organisation. Where subscription concerns a leasing contract, the Insurer pays the total amount of future rental payments due and the residual value (buyback option). 3.2 Total and Irreversible Loss of Autonomy cover TILA due to an illness or accident covered is assimilated with death. The capital insured in the event of death, determined by reference to the day of permanent work stoppage, is paid to the lending organization or, if the latter has given its written agreement, to the Insured him/herself or to any other designated beneficiary, as soon as the total and permanent nature of the loss of autonomy is accepted by APRIL Assurances, as follo · either on the date of notification of the definitive Social Security decision classifying the insured person in disablement category 3, with allocation of the corresponding pension, in accordance with section L 341-1 and following and R 341-2 of the Social Security Code, · or on the date on which the insured person is considered 100% disabled, requiring the assistance of a third person, following an industrial accident, · or if s/he is not covered by state social insurance, on the date set by corresponding certificates established by the Insured person's doctor and the APRIL Assurances doctor, · as soon as proof of the date of TILA consolidation has been supplied. The capital is not due if TILA consolidation is acquired after the insured person has reached the age required to claim an old age pension or at the latest after the age of 65, even if the accident or illness that caused it is prior to that date. TILA cover ceases when the insured person reaches the age required to claim an old age pension and at the latest on his/her 65th birthday. Payment of the capital terminates the insurance. 3.3 Temporary Total Incapacity to Work and Permanent Total Disablement for work From the 91st day of temporary total and continuous incapacity to work, the Insurer pays the repayment or rental arrears when due as shown on the amortization table and within the limit of the amount covered. No modifications to the loan amortization plan giving rise to an increase in payments due during a period of TTIW or PTD can be taken into account. Payment of repayment or rental instalments applies throughout the period of incapacity to work and pro rata to the duration of work stoppage. However, the Insurer does not take responsibility for the buyback option when the condition of incapacity to work persists on the last
2. Who can be insured?
2.1 General Provisions To be admissible for insurance, every applicant must: · reside in mainland France (i.e. excluding Corsica and French Overseas Departments and Territories), unless covered by the specific provisions detailed in section 2.2, · have signed a loan with a credit organisation, with or without deferment of repayment, or signed a leasing contract · be at least 18 years and at most 70 years of age for Death cover, at most 60 years of age for TILA cover, and at most 59 years of age for the TTIW and PTD options. · have satisfactorily completed the medical formalities. For this purpose, the applicant must complete a medical questionnaire and, at the request of APRIL Assurances, submit to medical examinations and supply the medical and financial information required. S/he must also provide APRIL Assurances with the amortization table for the loan or rental payments, together with the amount of the buyback option in the case of leasing. 2.2 Specific provisions
· Subject to meeting the conditions specified in 2.1, TTIW cover subscription is open to pregnant women who have specified their presumed date of return to work on the subscription application. · People who meet the conditions specified in 2.1 and reside in Corsica or French Overseas Departments may subscribe for Death/TILA cover only. · People who meet the conditions specified in 2.1 and are European Union nationals may also subscribe for Death/TILA cover on condition that the loan to be insured is: - contracted with a credit organisation located in France, - in euros, - documented in French. · Subject to meeting the conditions specified in 2.1, subscription to cover for a loan contracted outside France with finance organisations
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day of the hire term originally specified at the beginning of the leasing with buyback option. Total or partial repayment of the capital borrowed, whether or not before the due date, is not covered by the Insurer within the framework of TTIW cover. In the event of a relapse within 2 months of returning to work, the payment of instalments is resumed from the first day of the new work stoppage, on condition that subscription to the agreement and/or the agreement is in force. For entitlement to the payments defined above, the work stoppage must give rise to genuine and complete interruption of the Insured's professional activities and s/he must follow the medical treatment prescribed to him/her and take the necessary rest to achieve a cure. Responsibility for repayments or rental instalments ceases in the case of total or partial resumption of work, or on the date on which the insured person reaches the age required to claim an old age pension or at the latest at the age of 60. 3.4 Co-borrowers In the case of simultaneous work stoppage by co-borrowers, the total amount of benefits paid for the same loan may not exceed the amount of the sums due to the credit organisation for the same period. 3.5 Upper limits Claims paid within the framework of subscription to the present agreement are limited to the amount of the covered capital within the limit of 1,220,000 euros for Death/TILA cover and 310,000 for TTIW and PTD cover. 3.6 Revision of delegation of benefit and additional assignment clauses No modification may be made to the cover requested by the Insured or the Subscriber without the written consent of the credit organisation that granted the loan.
Each party pays its doctor's costs and fees and, if applicable, half the third doctor's fees and nomination costs.
5. Payment of benefits
In the event of death The assigns must supply APRIL Assurances with all the supporting documentation required for processing the case, in terms of both the circumstances and the causes of death. The resulting costs will be charged to the Beneficiary. The sums due are payable to the registered offices of the lending organisation, after proof of its capacity and provision of the following elements, in particular: · death certificate, · medical certificate supplied by APRIL Assurances, completed and signed by the attending doctor, or failing that the doctor who issued the death certificate, · copy of the "livret de famille" (French family record book showing dates of births and deaths - for other nationalities copy of appropriate birth and death certificates) · police report in the case of accidental death, · amortization table at the date of death. The sums due are paid under the same conditions to a Beneficiary other than the Lending organisation if this has been agreed in writing. In the event of Total and Irreversible Loss of Autonomy: The sums due are paid on supply of the following in particular: · copy of the "livret de famille" (French family record book showing dates of births and deaths - for other nationalities copy of appropriate birth and death certificates) · a detailed medical report on the cause, nature, start, evolution and probable duration of the illness or the foreseeable consequences of the accident, together with the degree of incapacity to work, · the amortization table for the loan concerned, · any other necessary elements requested by the Insurer for justification of the condition of disablement. Provisions common to Temporary Total Incapacity to Work and Permanent Total Disablement The declaration must be accompanied by: · a medical certificate indicating the nature of the accident or disease justifying the incapacity to work or disablement, start date and probable duration of this condition, · the police report in the case of an accident, · the amortization table. Any claim not declared within 30 days after the end of the waiting period, is definitively excluded from cover if the Insurer establishes that the delay has been prejudicial to its interests, unless the delay is due to an act of God or force majeure. In the same way, an extension of work stoppage not declared within 30 days will not give rise to benefits if the Insurer establishes that the delay has been prejudicial to its interests.
4. Expert assessment
The condition of incapacity, disablement and TILA of the Insured is determined by expert medical assessment, regardless of any consideration of the mandatory social security scheme to which the Insured is affiliated. APRIL Assurances reserves the option to have an expert assessment carried out on the Insured by a doctor of its choice, at any time. To achieve this, at the risk of non-applicability of cover, the doctors designated by APRIL Assurances must have free access to the Insured in order to determine his/her condition, failing which payment of benefits will be suspended or stopped. In the case where the Insured suffers an accident or illness outside France, s/he is obliged to elect domicile in France for any dispute of a medical nature or for any legal action occurring on the occasion of a claim. In the event of a dispute, each of the parties designates a doctor. If the doctors designated in this way are not in agreement, they call in a third doctor. The three doctors operate by common agreement and with a majority vote. If one of the parties fails to name its doctor, or the two doctors fail to agree on the choice of the third, the designation is made by the Chairman of the competent court. In the first eventuality, the nomination takes place at the request of the most diligent party, made at the earliest 15 days after delivery to the other party of a recorded delivery letter of formal notice with notification of receipt: if necessary, the third doctor is designated by the Chairman of the tribunal, ruling as referee. The parties will refrain from taking any legal action before the third doctor, designated either amicably or by referee, has made his/her provisional or final report, unless three months have gone by since his/her nomination, subject to any period of time laid down by the Chairman of the Tribunal.
03 general terms
6. Premiums
The premium is fixed according to the age reached by the Insured, the cover subscribed, the tariff applied each year and the information supplied by the Insured. For leasing contracts, the basis of calculation is the cumulative total of rental payments including all taxes, at the start or remaining due, together with the value of the buyback option. The age of the Insured party is determined by the difference in years between the year in progress and the year of birth. Current taxes paid by the insured are included in the premium. The premium may be updated on the first of January every year in accordance with the results of the group insured. Premiums are payable in advance yearly, half-yearly, quarterly or monthly, depending on the payment method chosen by the Subscriber.
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In the case of failure to pay a premium within 10 days of its due date, APRIL Insurance will send the Subscriber a recorded delivery letter of formal notice. This gives rise to suspension of cover 30 days later. After a further period of 10 days, APRIL Assurances will terminate cover ipso jure. In addition, it may take legal action to claim payment of the outstanding premiums. Exemption from payment of premium The Insured for whom the Insurer pays monthly instalments falling due in the case of work stoppage (TTIW or PTD), is exempted from payment of his/her premiums related to this cover.
8. Effect, duration and cessation of cover
8.1 Effective date of cover Cover takes effect from the date of existence of a commitment by the Insured to the Lending organisation, materialised by signature of the loan contract, and at the earliest at zero hours on the day after the date of receipt of the insurance application by APRIL Assurances, subject to payment of the first premium (condition precedent) and acceptance of the risk by APRIL Assurances. Nevertheless, in the event of the death of the Insured after signature of the loan contract but before the funds have been released, subscription to this agreement will take full effect if the loan contract stipulates that the operation for which the loan is granted, remains. Where TTIW cover is subscribed by a pregnant woman, this cover will take effect on the date of effective resumption of work, subject to payment of the premiums related to this cover. The date of effect of cover is determined by a certificate of cover specifying the initial amount of the capital insured in the case of death or TILA, then the successive amounts of the capital outstanding and, if applicable, the amount and frequency of repayment or rental instalments. Until notification of acceptance or non-acceptance, and in the case where there is an existing commitment by the Insured to the lending organisation as defined above, cover is granted provisionally for the risk of death due to accident, within the limit of 305,000, in return for an advance payment of premium and for a maximum period of 2 months, starting at zero hours on the day after the date of receipt of the insurance application by APRIL Assurances. 8.2 Waiting time No waiting time for Accidents and Illnesses except for loans already in progress and not insured at the time of subscription, for which the waiting time is 3 months for all illnesses and disorders. 8.3 Term of cover Cover is renewed by tacit reconduction on the first of January of every year for as long as the agreement remains in force. In the event of cessation of activity of the APRIL Assurances "Association des Assurés", the Insurer undertakes to maintain all cover granted to the Insured on the date of such cessation. 8.4 Withdrawal Subject to the agreement of the lending organisation, the Subscriber has the option of withdrawing from the cover subscribed by sending a recorded delivery letter with notification of receipt to APRIL Assurances, within 30 days of the first payment. This payment will be refunded to the Subscriber in full within a maximum period of 30 days from receipt of the letter of withdrawal, which can be worded as follows: "Please note my withdrawal from the application for subscription to the LOAN INSURANCE SOLUTION agreement signed by me, and refund my payment in full within 30 days". Death cover is acquired until dispatch of the cheque corresponding to the amount of the premium refunded and at the latest up to the 30th day after the effective date of subscription. 8.5 Cessation of cover a) Contract cover ceases a) in the event of cancellation of the present agreement by the APRIL Assurances "Association des Assurés" or the Insurer on the annual renewal date. In this case the Association undertakes to inform each Subscriber and the Insurer undertakes to maintain, at the request of the Insured, equivalent cover to that applicable on the date of termination. b) as soon as the Insured ceases to belong to the insurable workforce,
7. Exclusions from cover
Death and TILA cover does not apply in the case of claims resulting from: · suicide during the first year following subscription, any increase in cover or resumption of cover, · flying accidents unless the Insured was on board an aircraft with a valid airworthiness certificate, flown by a pilot qualified to fly the aircraft used and with an unexpired licence (this pilot may be the Insured him/herself, · flying accidents resulting from aerobatics, shows, records, record attempts, preparatory trials, acceptance trials and parachuting (unless justified by the critical situation of the aircraft), · a war involving the French State, TILA, TTIW and PTD cover does not apply in the case of claims resulting from: · transmutation of the atomic nucleus, whether by fission, fusion, ionizing radiations or other means. However, the consequences of a malfunction of radiological instruments or faulty operation in use are covered if they occur on the occasion of medical treatment which the Insured is undergoing as the result of a covered illness or accident; · a suicide attempt, a deliberate act by the Insured or the Beneficiary, accidents under the influence of alcohol, (alcohol level higher than the legal level applicable on the day of the incident), alcoholism, insanity, the use of narcotics not prescribed by a doctor or hallucinogens, · the consequences of acts of civil or foreign war, riots, insurrections, civil commotion or brawls (except self defence, assistance to a person in danger or accomplishment of professional duties), - practice of a sporting activity, either professionally or within the framework of amateur competitions, necessitating the use of motorised equipment. - it is specifically stated that the practice of dangerous sports, such as bobsleigh, skeleton, scuba diving or fishing, sailing, potholing, climbing, bungee-jumping and canyoning, must be declared, and will be the subject of an adjusted quotation. In the event of failure to make such a declaration, or rejection of the proposed quotation by the Subscriber, the practice of these sports is not covered. · continuation or consequences of illnesses, accidents and infirmities initially diagnosed before the effective start of cover. Cover applies however to the consequences of diseases, accidents and infirmities that were declared on the medical questionnaire, unless they were subject to an exclusion clause on the certificate of cover. · treatment or operations for aesthetic reasons. TTIW cover alone does not apply in the case of: · pregnancy, normal childbirth, miscarriage, unless the insured is in a condition of total incapacity to work due to pathological causes; her legal maternity leave is then deducted from the duration of incapacity to work in addition to the waiting period, · thermal or other cures, stays in rest establishments.
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c) in the case of the loan being payable before term, d) in the case of termination by the Subscriber, on the annual renewal date on 31/12, by recorded delivery letter with at least 2 months notice and the agreement of the beneficiary if the latter is the accepting beneficiary, e) as soon as the Insured has fully repaid the loan covered by the insurance, f) in the case of non-payment of premiums, g) on 31/12 of the civil year during which the insured person reaches the age required to claim an old age pension or is in a situation of early retirement, h) when the Insured reaches the age limit for benefits, i.e.: · on his/her 60th birthday for TTIW and PTD cover · on his/her 65th birthday in the case of TILA · on his/her 75th birthday for death cover. b) Penalties in the case of false declaration Any inaccuracy, omission, reticence or false declaration, intentional or not, by the Insured concerning the elements comprising the risk at the time of subscription or during subscription, is penalised even if it has no influence on the claim, by reduced compensation or nullity of the contract. In the same way any omission, concealment, or false declaration, intentional or not, in declaration of the claim exposes the insured to forfeiture of cover and termination of subscription.
Lexicon
Accident All unintentional bodily damage to the Insured, due an abrupt, sudden and violent action of fortuitous and unforeseeable nature, with an outside cause. However, the following are considered as illnesses and not accident: lumbagos, even caused by trauma, organic injuries due to effort, sunstroke, freezing and congestion. Subscriber Person who subscribes to this group agreement. Insured Physical person accepted for insurance and whose life the insurance is based on. Beneficiary The credit organisation designated on the insurance application, and if applicable for death cover, the physical entities designated on the insurance application after approval by the credit organisation. Code Insurance Code Consolidation Lasting stabilization of the Insured's state of health, evolving towards neither improvement nor aggravation. Waiting time Period during which cover is not yet in force. The starting point of this period is the date of effect of cover, shown on the certificate of cover. Illness Any deterioration in health confirmed by a competent medical authority. Total and Irreversible Loss of Autonomy (TILA.) The Insured is totally and irreversibly incapable of engaging in any job or occupation whatsoever for a possible gain or profit. In addition, his/her condition must necessitate the assistance of a third person to accomplish the ordinary acts of everyday life. Temporary Total Incapacity to Work (TTIW.) The Insured is considered in Temporary Total Incapacity to Work if following an accident or illness covered, s/he is temporarily completely and continuously unable to exercise his/her profession. Permanent Total Disablement for work (PTD) Resulting from an accident or illness, before the age of 60, condition that makes it impossible for the Insured to exercise any profession whatsoever, though without necessitating the assistance of a third person to accomplish the ordinary actions of everyday life. Claim Event, Illness or Accident calling the insurance into play, while cover is in force.
9. Term of limitation
Any action deriving from subscription to this agreement is limited to a term of 2 years from the event that gives rise to it, unless the beneficiaries of the capital in the event of death are the Insured's assigns; in this case, the term is increased to 10 years. The term of limitation is interrupted by one of the usual causes of interruption or by sending a recorded delivery letter with confirmation of receipt addressed by the Insured or the Beneficiary to APRIL Assurances in terms of payment of benefits, and by APRIL Assurances to the Subscriber in terms of payment of premiums.
10. Change in the situation of the insured
The Insured must inform APRIL Assurances in writing, within 90 days following any change of status, situation or domicile (by default letters sent to the last known address will take full effect) and in the case of a change of professional activity or cessation of professional activity. In the event of occurrence of one of the events listed above and in accordance with section L113.16 of the Code, the Subscriber and the Insurer have the option to terminate cover, with such termination taking effect 1 month after the other party has received notification of the fact.
11. Subrogation
In the event of a Claim caused by a responsible third party, the Insurer may exercise its right to recourse in accordance with the Insurance Code, up to the amount of the benefits and compensation payments made.
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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
· Immediate processing of documentation for management within amaximum 24 hours. · 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 companies "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 "Second Marché" of the Paris bourse, · Almost 1 million people insured individually or through their employers, · 550 staff, · 1 ,400 independent insurance consultants. 1
Your Insurance Consultant
C: COURTAGE 17 Villa du Petit Parc 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. 10003 - All marks, logos, graphic layout and promotional text contained in this document are registered and the property of APRIL Assurances SA. 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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