Insurance which repays your loan in case of death, disability or cessation of work.

Loan Insurance in a nutshell

  • A policy tailored to your personal situation.
  • Competitive rates.
  • For all types of loans.

Borrowing money is often a long-term commitment.
Loan insurance protects you from the financial consequences of accident, illness or death related risks.

Loan insurance that protects both the borrower and the lending institution.

  • In the real estate financing framework(1), loan insurance is required to be taken out to cover financing over the whole repayment period(2).
  • The insurance is required cover 100% of the loan. In the case of several borrowers (usually two), cover can be up to 200% (meaning 100% per borrower).
  • Distribution made between policyholders is in proportion to income

Two types of policies

  • Group or collective insurance policies
    As part of your AXA Bank home loan you can take out a collective insurance policy, whether you are a first time buyer or an investor.
    You benefit from straightforward subscription procedures and a mutual insurance of risks.(3)
  • Individual insurance or delegation insurance policies
    You can choose an AXA loan insurance even if you have taken out a loan in another institution.
    This insurance is required to provide valid coverage equivalent to that of the lender's group policy, regardless of which financial institution granted your loan.