Savings Accounts with Mortgage Insurance. Learn how to choose!

Applying for a mortgage to buy a home involves paying taxes, interest, and many other costs. But there is at least one cost you can control and reduce: EXS’s mortgage life insurance.

With the Mortgage Insurance Proposal EXS customers can get a discount of up to 60% off the price.

The monthly savings are significant, and by the time the loan matures, you’ll have saved tens of thousands of euros.

In this article, find out how easy it is to save on mortgage life insurance and what you need to do to start reducing this expense.

Why is it important to get mortgage insurance?

Insurance is designed to protect against the financial consequences of a tragic event. It’s one of those situations you try not to think about, but they do happen and have a major financial impact.

In the event of the policyholder’s death or disability, the family faces a loss of income, but monthly payments to the bank and other expenses continue.

With mortgage life insurance, the mortgage is paid off. The risks are shared or transferred to the insurer.

This means that in the event of death, permanent total disability (PTD), or total and permanent disability (TPD), the insurer pays the agreed-upon benefit amount to the beneficiary.

It is a matter of financial security and protection for the family and the policyholder.

Benefits of EXS Mortgage Life Insurance

The law protects consumers and allows them to purchase mortgage insurance from an institution other than their bank.

It is a life insurance policy, but it is not permanent.

Throughout the term of the loan, you can (and should) switch as conditions become more favorable.

Among the main advantages of EXS Insurance:

• You have access to the best solution at the best rate, following a market comparison;
• You can switch insurance companies whenever you want;
• You can save up to – 60% on your current mortgage life insurance premium;
• In most cases, transferring the insurance does not increase the spread.

Save with EXS's Preferred Insurance Network

EXS works with 26 insurance companies in the market, which allows it to offer its clients personalized plans that are perfectly tailored to the needs of each individual and their family.

Our insurance broker has established protocols and partnerships with numerous insurance companies and always advocates for the client’s interests when dealing with them.

These exclusive trading channels allow you to get the best terms:

• More insurance coverage at a competitive price;
• The customer does not pay for our services;
• On average, EXS customers save €500 per year on mortgage insurance.

The first step to start saving is to request a simulation.

Get a Quote for Your New Mortgage Insurance

EXS offers a free, no-obligation online simulator. Just run a simulation to get a list of valid offers tailored to your needs.

Instead of the customer having to contact numerous insurance companies, the professionals at EXS handle that for you.

In addition, they review the terms of the current policy and assess the policyholder’s needs—both current and future.

Request a Quote: Get an attractive quote with no red tape

The simulation is conducted in three phases:

1. Simulation using EXS

It is important to provide as much information as possible in order to get the best offer.

2. Evaluation

Using the customer's information, EXS contacts its partners in the network and negotiates the best terms based on the requirements of the bank where the loan application was submitted.

3. Proposal Submission

After conducting an extensive study and following an initial screening, the professionals overseeing the process present the client with a set of viable, comprehensive options tailored to their needs.

You've taken the first step toward saving!

Competitively Priced and Customized Mortgage Insurance

EXS professionals are experts in technical and professional consulting. After a simulation request is submitted, they provide full support and assist clients throughout the entire process.

Customers are guaranteed personalized and ongoing support throughout the process of transferring and purchasing their new mortgage life insurance policy.