Protection guide — death + disability IPT/IPP, AIPP scale, family compensation, claim procedures.
Why this insurance
Without: family may lose property. With: assureur reimburses 100% capital.Methodology: Kloufi.
Death guarantee — full compensation
100% capital remaining. Exclusions: suicide 1st year, war, drugs. Procedure 2-4 months.Disability IPT + IPP
IPT ≥66% = 100%. IPP 33-65% by AIPP scale. 2 eyes/hands 100%. 1 dominant hand 60%. Consolidation required.Special cases
Couple co-borrowers. Diaspora abroad. Accidental death (doubled). Senior (>60). Health antecedents.Tip: kricar.fr.
Optimization + prevention
Sincere medical questionnaire. Keep documents up to date. Life insurance complementary. Testament + succession.Editorial Q&A
Death 100% covered. IPP % scale. Suicide 1st year excluded. 2-8 months compensation.Frequently Asked Questions
Mandatory?
Yes for all mortgage credit.
Death family?
100% capital reimbursed.
IPT vs IPP?
IPT ≥66% 100%. IPP 33-65% by AIPP.
AIPP scale?
2 eyes 100%, 1 dominant hand 60%.
Suicide?
Not 1st year.
Death delay?
2-4 months typical.
Disability delay?
4-8 months.
Exclusions?
War, terrorism, drugs, false declarations.