Borrower insurance when one partner does not work
Stay-at-home parent, no professional income? Banks and insurers often refuse. We look for a solution so both borrowers can be covered.
We can offer death, PTIA, ITT and IPT cover to a partner without professional activity, and a 100% cover share on each of the two borrowers, subject to acceptance by the insurer.
The problem
When one of the two borrowers does not work (stay-at-home parent, no professional income), many insurers and banks refuse to insure them, or offer only death and PTIA cover. This can block a loan or leave one partner poorly protected.
Our approach
- Death, PTIA, ITT and IPT cover can be offered to the partner who does not work, subject to acceptance
- A 100% cover share on each of the two borrowers is possible if you want both fully protected
- We compare, and we check what your bank requires
Good to know
Cover for someone without professional income is assessed differently from cover for an employee. We explain the terms, exclusions and conditions before you decide.
How it works
- You contact us by phone, WhatsApp, e-mail or at the agency: free analysis, no commitment.
- You send your documents: loan offer, current insurance contract (if any), amortization schedule, ID or passport.
- We study your situation and look for solutions with the insurers we can offer.
- You choose, and we handle the steps with your bank.
Frequently asked questions
Can the partner who does not work be insured?
We can offer cover, including death, PTIA, ITT and IPT, subject to the insurer’s acceptance.
Can each borrower be covered at 100%?
A 100% cover share on each borrower is possible if you want both to be fully protected, subject to acceptance.
Does this apply to non-residents too?
Yes, we can look at both situations together. Ask us.
See also
General information, not legal advice. Cover and acceptance depend on your profile, your project and the insurer’s decision.