It may be that because of health problems, your job, your sports practice, your expatriate status, you may encounter difficulties in taking out borrower insurance with traditional insurance companies. However, by calling on a specialized broker, you will be able to bring your real estate project to fruition.
Indeed, if you present an aggravated health risk, if you exercise a profession or a sporting practice at risk, you must, unfortunately, face great difficulties in taking out borrower insurance. However, there are specialized brokers likely to help you in this process. Besides, you could benefit from many advantages.
It is possible to benefit from flawless expertise, as you will be using experts who will discuss health issues and related risks, as well as the specific requirements of insurance companies. They will help you navigate the process of obtaining coverage, offering advice and sharing essential information. You will therefore have the opportunity to present your case in a more favorable manner. With the support of an Aggravated Health Risk Borrower Insurance broker, you will have access to a large network of insurers. The latter works in close collaboration with many insurance companies, especially those who agree to cover risky cases. Thus, all the chances will be on your side to find the solution best suited to your situation. Your expert will be able to negotiate terms and rates . He will be able to present your situation and allow you to obtain an offer adapted to your needs, and this, at an affordable price.
His help will be invaluable, because he will take care of all the stages of the borrower insurance process, from A to Z. He will guide you as required, and will do everything possible to simplify the administrative procedures. As a result, you’ll save considerable time and worry about setting up your cover.
Your expert will listen to you and collect all the information relating to your situation, your project and your expectations, with a view to responding exactly to your request. To make you benefit from an appropriate proposal, he will make a careful selection of the various insurance companies in order to compare their offers, in order to find you a formula that meets your needs and your budget . Your request and all signed medical formalities will be studied by the companies. You may need to provide medical supplements. Then you will get a technical response and associated pricing. Thanks to his skills and extensive knowledge in this area, your broker will recommend the offer that best meets your needs. After your agreement, your contract will be presented to the bank, which will edit your loan offer to release the funds and sign at the notary. As you will have understood, with this support, your dream can come to life.
Whether you are faced with a health problem, a long-term or old illness, a disability, a chronic condition, a significant increase or surcharge, a refusal of guarantees, your broker will support you. A borrower insurance contract can cover many conditions such as:
Your broker is subject to professional secrecy, so all medical information concerning you will be consulted by your authorized contact and will be completely destroyed, as soon as your request is sent to the selected insurance companies. Borrower insurance with an aggravated health risk can lead to higher premiums, or even exclusions from certain guarantees. However, with the help of an experienced negotiator, you will increase your chances of getting adequate coverage for your home loan , even if you have a medical history.