CapitoliaThree chapters about products to rule out. This one names one you already hold.
A loan of two hundred thousand euros, over twenty years.
The insurance is compulsory. Taking the bank's insurer is not.
The bank sold you its own alongside the loan. That was the least favourable moment of all.
Say zero point thirty-six per cent a year: seven hundred and twenty euros.
It is a group contract. It is priced on an average, not on you.
An individual contract, at zero point twelve: two hundred and forty euros.
If you are young and a non-smoker, you were paying for the others. This time it runs in your favour.
Nine thousand six hundred euros, for one letter and one file.
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Download on theApp StoreFourteen thousand four hundred paid, against four thousand eight hundred.
No investment in this programme pays that much for that little work.
And the cover does not change. It is the same risk, carried by someone else.
Second thing nobody explains to you: the share you insure.
You borrow as a couple. Each of you can be covered at one hundred per cent.
Twice one hundred per cent is two hundred per cent of the capital insured.
And paid for twice. If one of you dies, the whole loan is cleared.
At fifty and fifty, only half of it. The premium comes down by as much.
This is not an administrative setting. It is what the survivor is left with.
Third thing. The exclusions, which are read before and not after.
They change with every contract and every country. No list will be handed to you here.
What you get is where to look, and it is always the same place.
Three lines: the sports you play, the conditions imaging cannot prove, and the definition of disability.
The third one is what costs. Two contracts at the same price do not call the same thing disability.
One pays if you can no longer do your own job. The other, only if you can do no job at all.
Compare that line before the price. The rest of the contract looks much alike.
And then write the letter. Nine thousand six hundred euros are waiting.