Since the French Lemoine law, you can cancel your borrower insurance at any time, free of charge and without waiting for an anniversary date. This calculator compares the remaining cost of your current contract with a delegated policy computed on the outstanding capital, and checks whether you are exempt from the medical questionnaire. No health data is requested or processed.
On outstanding capital. Young non-smokers: often 0.10 to 0.25%.
Savings over the remaining term
€10,308
Remaining cost of current contract
€12,648
Delegated policy cost
€2,340
1st premium : €21.00/month
Decreasing premium, computed on the outstanding capital. No health data is requested or processed by this calculator.
Since 1 September 2022, borrower insurance substitution is possible at any time for all consumer mortgages. The bank has 10 working days to answer, any refusal must be justified in writing against the CCSF guarantee-equivalence grid, and it can neither charge fees nor change the loan rate. The single substantive condition: the new contract must offer at least equivalent guarantees.
The bank group contract usually computes a constant premium on the initial capital: you pay the same premium in year 1 and in year 20, while the insured capital shrinks. A delegated policy computes the premium on the outstanding capital: it decreases every month. For equivalent guarantees, the gap frequently reaches several thousand euros over the remaining term, especially for young profiles and high capitals.
The Lemoine law removes the medical questionnaire when the insured share is at most €200,000 per insured person and the loan ends before the insured’s 60th birthday. Beyond those thresholds, the AERAS convention and the right to be forgotten (5 years for cancers and hepatitis C) govern access to insurance. This calculator checks those thresholds without ever collecting health data.
No. The law forbids the bank from changing the loan rate, charging amendment fees or requiring any compensation for a compliant insurance substitution. The only accepted refusal ground is non-equivalence of guarantees, assessed on the CCSF grid.
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Indicative estimate. Results are provided for information only, based on dated scales, with no contractual value. They are neither a credit offer nor personalized advice. No entered data is stored or transmitted. A loan commits you and must be repaid: check your repayment capacity before committing.
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