Loan Insurance: Miltis Mutual Announces Significant Developments for its “Sopretis” Contract in Favor of Consumers

In addition to this much more attractive new pricing thanks to innovative and more segmented pricing, it offers:

• More modular guarantees,
• A “universal” contract that addresses all customer profiles, including those eligible for the Lemoine Law scheme*.

Distribution is also gaining new momentum: the SOPRETIS offer, already distributed by Alptis Prévoyance & Santé and its network of 7,700 distributors, also joins Digital Insure’s Multinet Inside marketplace (11 loan insurance contracts), which opens up a dual access channel to several thousand broker distributors.

For Alptis Prévoyance & Santé, SOPRETIS is a competitive solution for “Lemoine loans,” complementing its Pareo offer, which is positioned for loans over €200,000.

Patrick Julien, General Manager of Miltis Mutual, states: “With the price reduction and accessibility for “Lemoine” customer profiles, the SOPRETIS offer perfectly meets Miltis’ ambitions in the borrower insurance market. We are particularly proud that Digital Insure and Alptis have referenced this offer for their highly complementary distribution networks.”

Fabrice Couturier, co-founder of Digital Insure, confirms: “We are pursuing our strategy: to develop this partnership model and deploy our offer to a wider audience. With SOPRETIS, we are pleased to provide our broker network with a new, relevant, and particularly attractive offer.”

Marie Soyer Content, General Manager of Alptis Assurances: “It is essential for Alptis to offer its clients and distributors insurance solutions that enable them to protect their life journeys. Real estate acquisition is a key step in our clients’ lives, and we were keen to complement our Pareo borrower contract, which is particularly suited to protecting high-capital loans, with this new SOPRETIS contract, featuring a simplified process and eligibility for the Lemoine Law.”

As a reminder: the characteristics of the SOPRETIS offer

• Based on the initial capital borrowed with constant contributions, it is ideal for clients who do not wish for fluctuations in their premiums,
• Economical for those planning to resell their property within 8-10 years (average loan duration),

• Coverage: Primary Residence, Secondary Residence, Liberal Profession Residence, renovations, consumer loan, professional loan, and also credit consolidation with real estate outstandings exceeding 60%,

• Simplified medical formalities for those under 45 years old and for loans under €500,000,

• No stress ECG test required,
• Psycho-back conditions covered without hospitalization requirement (options),
• No financial formalities,
• A 100% digital process,

* Scope of application eligible for the Lemoine Law: Loan insurance change at any time for real estate loans for residential or mixed use (residential + professional), and loans for the purchase of land for the construction of mixed-use buildings. No medical questionnaire if the insured amount is less than or equal to €200,000 per insured, taking into account the outstanding insured amount of all credit contracts and the loan maturity < 60 years of the insured (loan repayment before the age of 60).

About Miltis

Founded in Lyon in 1995, Miltis is an interprofessional mutual insurance company operating in the health, provident, and loan insurance markets for individuals, professionals, and businesses.

Miltis achieved a turnover of €104 million in 2021, has 130,000 members, and protects 195,500 people as of December 31, 2021.

The mutual distributes its offers directly or through brokerage. It also develops white-label offer design activities on behalf of partner brokers and uses management delegation to provide the best customer experience, regardless of the offer.

https://www.mutuelle-miltis.fr/

About Alptis

Founded in Lyon in 1976, Alptis is an independent, associative, and entrepreneurial social protection group. Today, it comprises a set of commercial brands* offering solutions that combine responsibility and solidarity in three main areas: prevention, insurance, and financing. It serves individuals, self-employed workers, and businesses.

Alptis has a distribution network of 7,700 partners, brokers, and independent wealth management advisors. The group currently protects nearly 500,000 people and supports nearly 14,000 businesses throughout France (mainland and overseas departments and regions).

*Alptis group commercial brands: Alptis Prévoyance & Santé, Assurema, Belend, Capvita, Cmonassurance, GEA Assurances, Mutuelle.fr, Prêt Pro, Signature Assurances, Solaé, Unep.

www.alptis.org

About Digital Insure

Founded in 2013, Digital Insure is a resolutely “Tech” brokerage player, specializing in borrower insurance and individual provident insurance. Its 100% digital processes simplify and accelerate all stages, from offer comparison to subscription and claims management, for all personal insurance stakeholders.

Through its distribution subsidiary, Digital Insure provides its distributor brokers (generalist, specialized, web players) with exclusive borrower and provident insurance offerings tailored to their clients’ profiles, digital comparison and subscription journeys, and high-quality service in contract management, delegation, and substitution.

https://www.digital-insure.fr/

Press Contacts

Miltis

Marie–Emilie Requien / Marketing and Communications Manager Miltis

04 27 85 27 15 – m.requien@miltis.fr

Alptis

Pascal Geneyton / Communications Manager

04 72 36 23 54 – p.geneyton@alptis.fr

Auvray & Associés Agency: Stéphy Déka

01 58 22 25 96 – s.deka@auvray-associes.com