S.O.S

Mortgage life insurance policies

Our mortgage /loan life insurance policies (TSRD) provides life coverage to cover the capital amount borrowed for investments, typically mortgage loans and long-term investments related to purchasing business premises or when buying or building a home .

Cover you can adapt to fit your needs

In the event of death
With a TSRD policy, we’ll pay back the balance of your mortgage to ensure your loved ones are not left with a heavy financial burden.
In the event of disability
The policyholder becomes eligible to receive the payout that is available at that given time should they become totally and permanently disabled.

Key features

Protection for your loved ones in the event of death or disability

By insuring your mortgage, you're protecting your loved ones from financial hardship.

Tax optimisation

Insurance premiums for TSRD loan balance policies are income-tax deductible up to 672 € per year, or double if you are married/for each additional child.

Up to an additional 672 euros per year for each additional person living in the household.

Taxpayer Single With spouse
Without children 672€ 1 344€
Per additional child +672€ +672€

The annual deductible limit increases for single premiums.

Taxpayer Increase for ages 30 and under Additional increase ages 31 to 49 (per year) Maximum deductible ages 50+
Without children 6 000€ 480€ 15 600€
Per additional child 1 200€ +96€ 3 120€

Right to be forgotten

At the end of 2019, Foyer Assurances signed the convention on the “right to be forgotten”, which entered into force on 1 January 2020.

This convention aims to facilitate access to loan balance policies for at-risk individuals with cancer and under certain conditions.

 

Contact me


Your request has been sent to us
The postal code allows us to assign you an agent in the local community most suited to your needs, such as your home or work.
By providing your contact details, you agree that Foyer Group (Foyer-Assurances S.A., Foyer Santé, Foyer Vie et Foyer Arag, Raiffeisen Vie, Foyer Distribution) is able to contact you about its policies. No personal data should be included in the comments field, to ensure appropriate protection.
 
Confirmation of your contact request

Thank you for your confidence!

A Foyer advisor will contact you as soon as possible.

There was an error!
Please try again later...
logo-mozaik

Speak with an agent to learn more about the content of the focus investissement insurance policies.

Find all our advice on the blog

Home
Baby’s first steps: is your home safe?

When a baby crawls, crawls on all fours and no longer wants to be confined to the playpen, exploring the house is the next adventure. This makes th...

Home
Sustainable housing: how can you reduce your electricity consumption?

Improving energy efficiency has become a priority for every household. For the environment and the climate of course, but also because energy price...

Everyday
Tips for a cosy and safe Christmas

Christmas is approaching and all the decorations have been brought up from the cellar and down from the attic. Christmas trees, mantels and window ...

Home
When and how to clean your chimney – our five top tips

Lighting a fire on a cold, wintry night is one of the greatest pleasures a home can offer. But you should be aware that with this luxury comes cert...

Home
Everything you need to know to prepare a successful move.

Your dream house: tick! Official documents: tick! Keys: also tick! Now the real work begins: the move. 

Moving house tops the list of stress...