Digital Insure Launches “Maestro Emprunteur, High-Performance Loan Insurance”

Maestro Emprunteur, a cornerstone for developing its high-net-worth clientele:
Universal, capable of covering all borrower profiles and all types of projects, the Maestro Emprunteur solution covers the guarantee needs of complex cases, for at-risk clients borrowing for potentially sophisticated projects. It is designed to be particularly effective for high capital amounts and to target a high-net-worth clientele:
– It combines highly competitive rates for loans over €750,000 AND simplified medical formalities for these profiles.
– The territorial scope is also extended:
✔ Non-residents, expatriates, or seconded employees can be covered, including for disability and work stoppage.
✔ The lending institution can be located within the European Union.
✔ Coverage is possible for loans in CHF (Swiss Francs).

For complex arrangements, this clientele is handled by the Digital Insure Special Risks Expert Hub teams, which provide their technical expertise at each key stage of the project.
All risk profiles find their optimal solution in record time, thanks to the complementary technical expertise of Digital Insure’s teams, specialists in loan insurance and provident, and technological innovation: Maestro Emprunteur’s medical selection is operated via hr | ReFlex, Hannover Re’s powerful e-selection tool, the 4th medical selection rule engine integrated at Digital Insure.

Contract Substitution: medical formalities in just 3 questions
Maestro Emprunteur is an offering that also allows Digital Insure’s partner distribution brokers to develop their activity by substituting Group contracts (Hamon/Bourquin Law). With just 3 questions, the borrower can change insurance and achieve substantial savings.

Key Highlights
• An offering designed for a high-net-worth clientele (highly competitive rates for premium products with simplified medical formalities up to €1M for those under 46),
• Extended coverage ages: up to 91 for death, 71 for work stoppage,
• Expanded territorial scope: Accessible to all non-residents, expatriates, or seconded employees; the lending institution may be located within the European Union; coverage is possible for loans in CHF (Swiss Francs),
• The contract holder can be a legal entity,
• For substitution requests, no medical formalities for loans under 5 years up to €500K (Hamon/Bourquin process)
• The offering is also very well positioned when the client chooses premiums calculated based on the initial capital.

“We have listened to our partner distribution brokers, Wealth Management Advisors, and special risks specialists who are always looking for cutting-edge solutions in their market to cover “non-standard” loans and situations,” states Fabrice Couturier, co-founder of Digital Insure.

“We turned to the expertise of Malakoff Humanis and Hannover Re, and today we are particularly pleased to offer our distributors this broad and competitive solution, which is supported by the technology of the 4th automated medical selection engine integrated by Digital Insure,” adds Jean Orgonasi, co-founder of Digital Insure.

According to Alain Turco, General Manager Life and Health at Hannover Re: “This partnership with Digital Insure, an expert in brokerage and digital technology, has allowed us to bring all our know-how in “non-standard” risks.”
Our hr | ReFlex e-medical selection engine was easily integrated by Digital Insure for greater simplicity and speed in risk pricing and file preparation, even in complex situations.”

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