Earn an individual credit insurance
Founded in 1947, the Mutual Genereal National Education is the first French mutual health insurance company. It manages the social and complementary protection of more than 3 million people. Although the MGNE is originally the mutual of National Education, Culture, Research and Youth and sports, it is now accessible to all French. It manages 33 health and medico-social establishments.
Find the cheapest loan insurance using the broker simulator
Since the law Cogilaw Company in September 2010, you are free to choose your credit insurance to insure your loan against death and disability: compare the offer insurance loan MGNE with the cheapest insurance offers proposed by the broker line!
Free choice of untied loan insurance
Your home loan can be secured by insurance other than the group contract offered to you by the bank. The insurance delegation allows you to choose the contract that best suits your needs and presents the most attractive price.
Choose well by comparing MGNE loan insurance
By performing online comparisons of offers issued by different insurers, you can choose the insurance contract that will protect you best and present the most advantageous rate of the market. The choice of the cheapest insurance can save you up to 20,000 euros on the cost of your mortgage.
Using a broker specialized in credit insurance will allow you to see you very quickly offer negotiated offers corresponding to your individual borrower needs. The brokerage firm cheap loan insurance can get you the best price for your credit insurance MGNE!
Loi Cogilaw Company: the insurance of a competition between the bank and the insurances
The Cogilaw Company law is the freedom of choice of credit insurance for borrowers. Banks are prohibited from imposing their “group” contract. According to the law, they must:
- Accept borrower insurance delegation if the contract presents an equivalent level of guarantee
- Clearly state in writing the reasons for the refusal of external insurance
- Do not change the loan offer when choosing an external insurance
Fercum Law free choice of its bank loan insurance
- Make the relationship between credit institutions and consumers more transparent; Article “L312-1-2” on credit-related sales/insurance borrower “of products and services shall be cited in case of refusal of loan insurance delegation.
- The credit institution can no longer impose an increase in the borrowing rate if you choose to delegate your insurance and can be penalized for offenses.
The importance of selecting a delegation credit insurance contract
Mortgage insurance rate online with the online brokerage firm. Guide and adviser to set up a contract on external delegation credit insurance quickly