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.

 

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

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