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LRG Assurance mortgage, banks try to stem the tide of the delegations of insurance.

Since the implementation of the Act called "Lagarde" September 1, 2010, which allows a better competition for insurance borrower, many candidates are now negotiating credit delegation external insurance with their bank.

Select your own loan insurance is possible provided that the guarantees of the contract are equivalent.

Indeed, the loan insurance a security for the lender (the bank), the latter may charge you a certain level of security: death, whether or not guarantees incapacity / disability and job loss (unemployment). This provision is explicit in the Act Lagarde.

If you have insufficient collateral, your bank will therefore make a reasoned refusal of your delegation.

Equivalent warranty does not mean equality.

But it is tempting for a bank to refuse a massive loan insurance competing on the pretext that the guarantees are not the same as those provided in the contract group.
Also, the legislature clearly indicates the concept of equivalence, not equality . Indeed, the assurances, though legally qu'encadrées by the Insurance Code, enjoy a certain freedom of contract. Therefore, two contracts (same designed by the same insurance company!) Will never be strictly identical.

To find the right loan insurance contract, consult an insurance broker.

Less known by borrowers and credit brokers, firms of insurance brokerage are Multi your personal welfare. Some experts are
the borrower insurance as: Capvis insurance brokerage BB, FR Brokerage, Magnolia web, etc. ... These structures
advise you and sell all or part of loan insurance contracts offered by insurance companies: April , Cardif, Cube insurance, Alptis , Afi Europe etc. ...