Loan insurance allows you to repay all or part of the capital borrowed. in the event of the insured's death, disability or cessation of work. It is compulsory to have one when taking out a property loan... But you don't have to pay too much for it ! Nor to have bad guarantees! That's why Alsace Conseil Courtage is here to help and advise you. What's more, you should know that under the Hammon Actall contracts taken out after 26 July 2014 allows policyholders to cancel and replace their contracts at any time within the first 12 months following signature.