Beyond the interest rate of yout French Mortgage, Mortagge Protection Insurance (Assurance Emprunteur) represents a significant financial variable. For Non-Residents, insurance pricing is subject to specific criteria related to geographical distance and international risks. So, what budget should you realistically plan for to secure your investment?
How is Your Loan Insurance Pricing Calculated?
The price of loan insurance is never fixed; it is a tailor-made assessment of your risk profile. For a non-resident, insurance companies analyze four fundamental pillars:
- Age and Health: This is the primary indicator. The older the borrower, the more medical risks increase, which directly impacts the premiums.
- The Insured Capital: Contributions are proportional to the total amount borrowed (calculated here on a benchmark base of €100,000).
- The Geographical Area of Expatriation: The country of residence is meticulously evaluated based on the quality of its medical infrastructure, its geopolitical context, and its health risks.
- The Chosen Level of Coverage: Requirements differ depending on the nature of your real estate project (buy-to-let or residential).
Simulation of Monthly Rates for €100,000 Insured
To give you a clear view of the budgetary impact, here is an indicative table of the average monthly market costs via external delegation for a non-smoker borrower profile in excellent health:
| Borrower’s Age | Mandatory Guarantees (Death / PTIA) | Optional Guarantees (ITT / IPT / IPP) |
| 30 years old | €8 to €13 / month | + €6 to €9 / month |
| 40 years old | €14 to €20 / month | + €11 to €18 / month |
| 50 years old | €28 to €42 / month | + €20 to €28 / month |
| 60 years old | €55 to €85 / month | Tailor-made (specific analysis) |
*Average estimations observed for individual contracts, excluding specific geographical extra premiums.
Mandatory vs. Optional Guarantees: The Rules in France
For a buy-to-let investment, French banks generally limit themselves to mandatory guarantees: Death and Total and Irreversible Loss of Autonomy (PTIA). On the other hand, if it is the acquisition of a second home or a future pied-à-terre, institutions almost systematically require optional disability and invalidity guarantees (ITT, IPT, IPP).
At France Protect Insurance, we assist expatriates, non-residents, and international clients in choosing their borrower insurance. By comparing offers from the main insurers, we help you select the guarantees best suited to your real estate project in France, while meeting your bank’s requirements.