Life insurance protects your loved ones financially in the event of death and, depending on the formula, builds up savings. Outstanding balance insurance (solde restant dû), often required by the bank for a mortgage loan, guarantees repayment of the loan if one of the borrowers dies.
LC Credins helps you choose the right capital amount, the right term and the most advantageous insurer. Taking out outstanding balance insurance outside the bank often leads to significant savings.
What this solution covers
- Death insurance with a fixed capital for your beneficiaries
- Outstanding balance insurance linked to a mortgage loan
- Life savings insurance (branch 21) and investment insurance (branch 23)
- Pension savings and long-term savings with tax benefits
- Optional disability cover
- Free choice of beneficiaries
Who is it for?
These products are aimed at families, property buyers, self-employed people wishing to protect their business partners, and anyone who wants to secure the future of their loved ones.
How we compare offers
As an independent digital broker, LC Credins is not tied to any insurer. For your life insurance, we put several offers side by side and compare them on objective criteria: scope of cover, insured amounts, deductibles, exclusions, waiting periods, claim-handling quality and total cost over time. You receive a simple, jargon-free summary with our reasoned recommendation. Our goal is twofold: to save you time and to help you achieve a real saving, without sacrificing the quality of your cover.
The process, step by step
1. Your request online
You fill in our quote form in a few minutes and attach your ID card and your current contract if you have one. No appointment is needed: everything is done online, at your own pace.
2. Analysis of your situation
An LC Credins advisor reviews your file, checks your actual needs, and contacts you if any information is missing. We only propose what is genuinely useful to you.
3. Comparing the offers
We approach several partner insurers and institutions, then compare cover, deductibles, exclusions and total cost — not just the advertised premium.
4. Signing and follow-up
You receive a clear recommendation, usually within 24 business hours. After signing, we remain your single point of contact for changes and claims.
Frequently asked questions
Am I required to take my bank’s insurance?
No. The law allows you to take out outstanding balance insurance with the insurer of your choice, provided the cover is equivalent.
Do I need to undergo a medical examination?
Depending on the capital amount and your age, a medical questionnaire or even an examination may be requested. We guide you through these steps.
Are the premiums tax-deductible?
In some cases, yes, for example within long-term savings schemes. We let you know the conditions that apply to you.
Can I change my beneficiary?
Yes, as long as the beneficiary has not formally accepted the benefit, you can change the designation.
Ready to save?
Free, no-obligation quote, reply within 24 business hours.