VSConvinced that this amendment would be the starting point for a new market, Toufik Gozim and Mickael Benhassen created Assurly, a borrower’s insurance at the cutting edge of technology! And with the Lemoine law effective from June 2022 which aims to further simplify access to borrower insurance, we can say that they had a good nose.
Restore purchasing power to customers
Borrower insurance represents an important part of the cost of bank loans, in particular mortgages. The sector also achieves an annual turnover of 10 billion euros, 90% of which is held by bank insurers. In this context, Assurly’s desire is to allow everyone to be insured at fairer rates, while reducing the amount of premiums by 50%.
The bet is up: today, Assurly allows its customers to benefit from more effective coverage than traditional contracts, while achieving substantial savings. Latest record at Assurly: a client saved €48,000 by changing his borrower insurance! What really regain control of its purchasing power.
Subscription simplified as much as possible
At Assurly, no hassle with paperwork. The team of this growing startup has developed a fluid experience, which allows a maximum of online procedures while maintaining contact with a dedicated advisor if necessary.
It is therefore possible to subscribe in 3 minutes thanks to a mobile application, entirely developed in-house, or on the Assurly website. A simple and practical “full sofa” concept that undeniably contributes to dusting off the uses of the sector. The administrative procedures are also simplified, since it is Assurly that manages everything directly with the lending organization, thus removing one hell of a burden from the customer.
And to top it off, as the sole interlocutor, Assurly ensures an ongoing and quality customer relationship. Customer service is present at all times of the process to support the borrower, from the subscription stage to claims management.
Wishing to always be at the cutting edge of technology, Assurly relies on Artificial Intelligence to develop tailor-made contracts. The company relies in particular on a predictive claims engine, to collect information on policyholders in a completely anonymous manner. This allows him to develop a model of the different profiles, thus avoiding the unpleasant passage through the health questionnaire for most. A technology that is all the more relevant since the adoption of the Lemoine law, since the latter provides for the abolition of the questionnaire for borrowers whose sum of loans is less than €200,000 and who will be repaid before the insured’s 60th birthday. .
Fully customer-oriented, Assurly also develops within its “Research & Development” division tools based on user behavioral data to encourage them to take care of their health. A project currently in the pipes of Assurly is to offer cashback to customers who take a certain number of steps per day. Taking care of yourself pays off in every sense of the word!
Significant development prospects
Assurly has already convinced thousands of policyholders, ambassadors and shareholders, some wanting to regain their purchasing power and others wanting to participate in the revolution of the borrower’s market. Starting with the former senator behind the cited amendment, Martial Bourquin, who has supported the project from the start and is also Chairman of the Ethics Committee of Assurly.
The company, which supports both companies and individuals, has multiple objectives for the months to come. In particular, it should soon cross the French borders and intends to deploy throughout Europe within 5 years.
In addition, its ambition is to file an application for approval with the ACPR, to become an insurance company and thus extend the technological breakthrough to the entire value chain.
In its line of sight, Assurly also displays the desire to cover all types of credit. Even if the most important and the most economically impacting remains mortgage credit, Assurly intends to tackle consumer credit and even student credit. Its objective: to also shake up this sector by allowing students to insure their loans for €2 per month (the average market amount is €40).
In less than 3 years, Surly has succeeded in the mad gamble of saving money for its customers, while offering them guarantees identical to, or even superior to, those of bank insurers. The company is constantly innovating to offer ever more services to its policyholders and to shake up the codes. Enough to seduce the millions of borrowers present in France and, soon, abroad.
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Assurly: borrower insurance that saves you money
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