Afi Esca: borrower insurance for non-residents
Afi Esca offers borrower insurance for expatriates and residents outside France. It allows mortgage protection to be assessed against your country of residence, borrower profile and lender requirements.
ActivityPersonal insurance
Specialty presentedBorrower insurance
Dedicated offeringAssurance Emprunteur Expat’
Intended audienceExpatriates and residents outside France
Buying property in France while living abroad raises a specific question: the loan insurance must be compatible with your residence and meet the bank’s requirements. Afi Esca presents Assurance Emprunteur Expat’, an offering designed for expatriates and residents outside France. This is credit protection, not international health insurance.
The official offering describes adjustable cover for death, disability and inability to work. The benefits actually available, their definitions and their conditions must be assessed for your application. A benefit offered within the product range is not necessarily selected or applicable to every borrower.
Izem Expat examines the loan, your country of residence, occupation and lender requirements. The aim is to check the suitability of the offer and equivalence of benefits before taking out a policy. Remote application procedures, medical requirements and any restrictions must be confirmed in the documents provided.
Non-residents borrowing in France
To assess insurance for a French mortgage when your main residence is abroad.
Expatriates buying property
To examine a dedicated offering against your country of residence, occupation and bank requirements.
Borrowers comparing policies
To check benefits, exclusions and equivalence with lender requirements before choosing insurance.
Afi Esca presents its Expat’ offering as internationally valid. This does not guarantee eligibility in every country or situation: residence, occupation and available benefits must be confirmed for your application.
- Exclusions and conditions for each benefit are set out in the policy documents.
- Eligibility and medical requirements depend on the borrower’s circumstances and insured amount.
- Bank approval requires checking equivalence with the requested benefits; it is not automatic.
Page written by Izem Expat based on the policy wording and information documents published by the insurer; it is not binding on the insurer. Exact benefits depend on the plan and the year of subscription.
Reviewed by an Izem Expat advisor