{"id":169,"date":"2024-01-05T10:07:25","date_gmt":"2024-01-05T09:07:25","guid":{"rendered":"http:\/\/nmbcpmj.cluster029.hosting.ovh.net\/?page_id=169"},"modified":"2025-08-28T11:52:26","modified_gmt":"2025-08-28T09:52:26","slug":"lassurance-emprunteur","status":"publish","type":"page","link":"https:\/\/courtiassur.fr\/index.php\/accueil\/les-produits-dassurances\/lassurance-emprunteur\/","title":{"rendered":"L&rsquo;assurance emprunteur"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672-1024x682.jpg\" alt=\"\" class=\"wp-image-679\" style=\"aspect-ratio:1;width:415px;height:auto\" srcset=\"https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672-1024x682.jpg 1024w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672-300x200.jpg 300w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672-768x512.jpg 768w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672-1536x1024.jpg 1536w, https:\/\/courtiassur.fr\/wp-content\/uploads\/2025\/08\/24672.jpg 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Qu\u2019est-ce que l\u2019assurance emprunteur ?<\/strong><\/h2>\n\n\n\n<p>L\u2019assurance emprunteur est une couverture indispensable lors de la souscription d\u2019un&nbsp;<strong>cr\u00e9dit immobilier<\/strong>. Elle garantit le remboursement du pr\u00eat en cas de&nbsp;<strong>d\u00e9c\u00e8s<\/strong>,&nbsp;<strong>invalidit\u00e9<\/strong>,&nbsp;<strong>incapacit\u00e9 de travail<\/strong>, voire&nbsp;<strong>perte d\u2019emploi<\/strong>. Elle prot\u00e8ge \u00e0 la fois&nbsp;<strong>l\u2019emprunteur<\/strong>,&nbsp;<strong>sa famille<\/strong>&nbsp;et&nbsp;<strong>l\u2019\u00e9tablissement pr\u00eateur<\/strong>. <br><strong>L\u2019assurance emprunteur peut \u00e9galement \u00eatre exig\u00e9e pour d\u2019autres types de cr\u00e9dits<\/strong>, tels que le&nbsp;<strong>pr\u00eat travaux<\/strong>, le&nbsp;<strong>pr\u00eat \u00e0 la consommation<\/strong>&nbsp;ou encore le&nbsp;<strong>pr\u00eat professionnel<\/strong>, afin de garantir le remboursement en cas d\u2019impr\u00e9vu.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les garanties propos\u00e9es<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">Garantie D\u00e9c\u00e8s<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Remboursement du capital restant d\u00fb en cas de d\u00e9c\u00e8s<\/li>\n\n\n\n<li>Protection des proches et du co-emprunteur<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Garantie Invalidit\u00e9 Permanente<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prise en charge du pr\u00eat en cas d\u2019invalidit\u00e9 totale ou partielle<\/li>\n\n\n\n<li>Selon le taux d\u2019invalidit\u00e9 reconnu<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Garantie Incapacit\u00e9 Temporaire de Travail<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Versement d\u2019indemnit\u00e9s pour couvrir les mensualit\u00e9s pendant un arr\u00eat de travail<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Garantie Perte d\u2019Emploi (optionnelle)<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Soutien financier en cas de licenciement<\/li>\n\n\n\n<li>Conditions variables selon les contrats<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Les types d&rsquo;assurances emprunteurs:<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Assurance individuelle<\/strong> : est un contrat qui est personnalis\u00e9 selon le profil de l&#8217;emprunteur. Il ne s&rsquo;agit pas d&rsquo;un contrat de groupe mais d&rsquo;un contrat d\u00e9di\u00e9 \u00e0 un seul emprunteur.<br>Cette assurance est taill\u00e9e sur mesure en fonction des besoins, de la situation et du profil de risque de l&#8217;emprunteur. Elle tient compte, du \u00e2ge, des activit\u00e9s sportives, de l&rsquo;\u00e9tat de sant\u00e9, du m\u00e9tier, etc. de l&#8217;emprunteur.<br>Souvent, le contrat individuel peut s&rsquo;av\u00e9rer plus avantageux, surtout pour les profils \u00e0 faible risque : jeunes, sans probl\u00e8mes de sant\u00e9, exer\u00e7ant une profession sans risque, etc.<br><\/li>\n\n\n\n<li><strong>Assurance groupe ou collective <\/strong>: est une assurance propos\u00e9e par les \u00e9tablissements bancaires lors de la souscription d&rsquo;un pr\u00eat. Elle est dite \u00ab\u00a0groupe\u00a0\u00bb car elle regroupe l&rsquo;ensemble des emprunteurs du m\u00eame \u00e9tablissement sous le m\u00eame contrat.<br>Ces contrats sont g\u00e9n\u00e9ralement standardis\u00e9s, proposant des garanties correspondant \u00e0 des profils d&#8217;emprunteurs moyens, et ne tiennent pas compte des sp\u00e9cificit\u00e9s individuelles de chaque client.<br>C&rsquo;est pourquoi, ils peuvent parfois \u00eatre moins avantageux pour certains profils d&#8217;emprunteurs.<br>De plus, le tarif de cette assurance est d\u00e9termin\u00e9 en fonction de l&rsquo;\u00e2ge, du montant du pr\u00eat et du capital restant d\u00fb, et non en fonction des risques li\u00e9s \u00e0 l&rsquo;\u00e9tat de sant\u00e9 ou au m\u00e9tier de l&#8217;emprunteur.<br><\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Assurance groupe vs assurance individuelle : des \u00e9conomies concr\u00e8tes<\/strong><\/h2>\n\n\n\n<h4 class=\"wp-block-heading\">L\u2019assurance groupe<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Propos\u00e9e par la banque au moment du pr\u00eat<\/li>\n\n\n\n<li>Tarification standardis\u00e9e, peu adapt\u00e9e au profil de l\u2019emprunteur<\/li>\n\n\n\n<li>Co\u00fbt souvent \u00e9lev\u00e9, surtout pour les non-fumeurs, jeunes ou en bonne sant\u00e9<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">L\u2019assurance individuelle<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Souscrite aupr\u00e8s d\u2019un assureur externe via un courtier<\/li>\n\n\n\n<li>Tarification personnalis\u00e9e selon votre \u00e2ge, \u00e9tat de sant\u00e9, profession<\/li>\n\n\n\n<li><strong>\u00c9conomies jusqu\u2019\u00e0 15 000 \u20ac<\/strong>&nbsp;sur la dur\u00e9e du pr\u00eat<\/li>\n\n\n\n<li>Possibilit\u00e9 de changer d\u2019assurance \u00e0 tout moment gr\u00e2ce \u00e0 la <a href=\"https:\/\/courtiassur.fr\/index.php\/loi-lemoine\/\" data-type=\"page\" data-id=\"696\">loi Lemoine<\/a><\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\ud83d\udcac&nbsp;<em>Exemple concret : un emprunteur de 35 ans, non-fumeur, peut passer d\u2019un taux de 0,30 % \u00e0 0,09 %, soit une \u00e9conomie de plus de 10 000 \u20ac sur 20 ans.<\/em><\/p>\n<\/blockquote>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Besoin d\u2019un devis ?<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/courtiassur.fr\/index.php\/accueil\/contact\/\" data-type=\"page\" data-id=\"46\">Contactez-nous<\/a> pour une&nbsp;<strong>\u00e9tude gratuite et sans engagement<\/strong>.<br>Chez&nbsp;<strong>Courtiassur<\/strong>, nous vous aidons \u00e0&nbsp;<strong>r\u00e9duire le co\u00fbt de votre assurance emprunteur<\/strong>&nbsp;tout en conservant des garanties solides.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu\u2019est-ce que l\u2019assurance emprunteur ? L\u2019assurance emprunteur est une couverture indispensable lors de la souscription d\u2019un&nbsp;cr\u00e9dit immobilier. Elle garantit le [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":42,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-169","page","type-page","status-publish","hentry"],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/169","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/comments?post=169"}],"version-history":[{"count":20,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/169\/revisions"}],"predecessor-version":[{"id":718,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/169\/revisions\/718"}],"up":[{"embeddable":true,"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/pages\/42"}],"wp:attachment":[{"href":"https:\/\/courtiassur.fr\/index.php\/wp-json\/wp\/v2\/media?parent=169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}