Conventional warranties of the borrowers contracts
-Death warranty (required)
In case of death of the insured, the capital outstanding, as shown on the amortization schedule and within the guaranteed quota limit, is paid the lender.
-The warranty P.T.I.A ( Total and irreversible loss of autonomy)
Physical or mental disability recognized before the age of 65 putting the insured in the permanent inability to perform any remunerative activity and the obligation to have recourse to the assistance of another person to perform routine actions of living (Bathing, eating, moving…)
The additional warranties.
The warranty I.T.T( Temporary Total Incapacity to work) with excess 90 days.
The temporary total disability is a medically recognized disability putting the insured in the complete impossibility and inability to deliver himself at his work related gain or profit. The support of loan terms of this warranty usually beings after the 91st day. This is a fixed coverage on behalf of the insurer and not compensatory. This means that the management of the insurer is not bound to a possible loss of income during your absence from work. The quality of the warranty exceeds the market standard. We are also able to offer lower deductibles of about 30 or 60 days for liberal professions.
The warranty I.P.T ( Permanent Total Disability)
The total permanent disability is a physical or mental disability recognized before the age of 65 putting the insured in the permanent inability to perform any occupation giving him any income. Our contracts cover people with disability rates beyond 66%