We compared 26 insurance companies for your mortgage insurance

You don't have to pay a fortune for mortgage insurance.

You can purchase a policy that provides the coverage the bank requires—and that your family needs—without having to pay a high monthly premium.

Save on this insurance and invest in yourself, your family, or even home improvements.

Find out how we get the best deals at EXS.

What is the purpose of Mortgage Life Insurance?

Bank loan borrowers must have mortgage insurance. Banks require it, and it makes sense to have this type of coverage.

In the event of the policyholders' death or a disabling accident, the mortgage is paid off.

Imagine what it would be like to leave your family with such a heavy financial burden. It could jeopardize your children’s financial well-being and future plans.

If you have insurance, and a tragedy occurs, the insurance payout is transferred to the bank, and the outstanding balance is paid off. In practice, the loan is “canceled.”.

Coverage Purchased

Coverage under 100% provides greater peace of mind.

What does “full protection” mean? It means that, regardless of the type of disability, the amount you owe the bank will be paid off.

For example, a person suffering from a serious illness who, after treatment, is left with a disability of approximately 70%—that is, is unable to engage in paid work.

Once you have purchased comprehensive mortgage insurance, the outstanding balance of the loan will be paid off.

In this case, the policyholder filed a claim and received benefits under the TPD (Total and Permanent Disability) coverage. If he had purchased only the A&D (Absolute and Definitive Disability) coverage, he would have had to continue making loan payments—even if he were unable to work.

Find the most affordable mortgage insurance with coverage

Shopping around for the best mortgage insurance quote requires mental flexibility and a lot of juggling to set aside a few hours on the weekend or after a day’s work.

For the sake of convenience—and because between work, children, and other responsibilities, there isn’t much time left—most people accept the bank’s offer—which isn’t always advantageous.

There is no obligation to remain affiliated with this institution for life, and you can leave without any major complications.

Save time and money by hiring EXS

You've decided to cut back on insurance; now comes the hardest part.

Searching for the best deals involves several steps, such as:

• Identify the type of coverage you need and that the bank requires;
• Visit countless websites and search each one for mortgage insurance offers;
• Record the proposals from each institution;
• Create a comparison chart and analyze each coverage option, exclusion, and price;
• Send orders to each of the companies;
• Negotiate the premium amount with the chosen institution;
• Read the contracts in their entirety, paying attention to the fine print.

**Did you know you can skip all these steps? All you have to do is run a single simulation. EXS takes care of the entire process. **

Our employees process requests for quotes and insurance transfers between institutions every day.

They have the know-how and experience, but they also have another asset that makes all the difference: an exclusive network of partner insurance companies.

EXS works with 26 insurance companies to offer you the most comprehensive plan

It's normal to have questions about coverage or even when reviewing the offers.

You may ask the right questions, but you don't always manage to negotiate the best discounts.

With EXS, you automatically get access to the solution with the best rate after a market comparison that includes 26 insurance companies. Imagine how much time you’d save by not having to evaluate quotes from so many companies.

In addition to saving time, it maximizes your capital.

EXS customers can reduce their premium by up to 60%. In some cases, this amounts to a savings of 500€ per year!

With this amount, you can boost your savings, go on vacation, or invest in something that brings joy to you and your family.

Here's how to take advantage of the benefits of EXS insurance

All it takes is a quote request. When you purchase mortgage insurance from EXS, you’re guaranteed that:

• You can change it whenever you want;
• In most situations, there is no widening of the spread;
• You have full support in purchasing the insurance plan of your choice;

Get insurance tailored to the bank's requirements and the customer's profile.

Instead of spending hours in front of the computer looking for the best mortgage insurance, talk to our advisors or request an online quote. It’s free and there’s no obligation. Give it a try!