Debt balance insurance simplified.

Guarantee your family a worry-free financial future with Luxembourg's first digital loan balance insurance.

Why take out a debt balance insurance?

The condition for taking out a mortgage loan

Most banks require debt balance insurance as a condition for granting a mortgage loan. This ensures that the borrowed money will be repaid in the event of sudden death.

Extra security for your loved ones

With debt balance insurance, you can save your family from financial difficulties related to the repayment of a large loan.

Why choose Simplomus?

Digital product

Simplomus is the first digital debt balance insurance contract. Your contract will be emailed to you as soon as all formalities have been completed. Less paper, less time wasted.

Instant quote and offer

Calculate your premium instantly and receive your personalised offer by email.

Attractive rates

Take advantage of the very attractive rate of this digital product and save money compared to the insurance recommended by your bank.

Fast and simple processing

Receive the documents on time - before the appointment with the notary. Simplomus will provide you with all the necessary documents electronically.

Protection of your data

We treat the personal data of each individual carefully and in a manner that takes into account the legislation in force.

Advice from our specialists

Even though Simplomus is a digital insurance, our specialists are here to help you.

Your guarantees

Reimbursement of your bank debt in the event of death and special non-smoker rate. You can also insure two people and save on the premium.

One-off or periodic

You choose the frequency and duration of premium payments.

Right to forget

A new convention gives people cured of cancer the right not to have to declare their illness (certain exceptions apply). Learn more

Who is behind Simplomus?

Vanbreda Risk & Benefits S.A.

Vanbreda Risk & Benefits S.A. is one of the leading insurance brokers in Luxembourg. It is our mission to find the best solution for our clients. For this Simplomus insurance, we have chosen Cardif Assurance Vie as the insurer. Following a detailed market analysis, we have partnered with Cardif to create Simplomus.eu.

Vanbreda Risk & Benefits S.A. is a branch of Vanbreda Risk & Benefits in Belgium. Vanbreda Risk & Benefits is the largest independent insurance broker and risk consultant in Belgium and the leading insurance partner in the Benelux. More than 600 employees advise over 60.000 clients in the areas of insurance, risk management and employee benefits. Our success is built on a thorough knowledge of the activities and risks of our clients and comprehensive technical know-how and service, as evidenced by a client retention rate of more than 95%.

Cardif

Present on the Belgian market since 1989, BNP Paribas Cardif has become the undisputed reference in the field of credit cover. Cardif Assurances Vie (BNP Paribas Cardif) is an innovative insurer. Its objective is to profile itself as the specialist in the field of repayment protection for all forms of credit.