Insurance is a serious commitment. Before purchasing a policy, make sure you have carefully reviewed the terms and assessed your financial capabilities.
Financing a project with Commasotto? Protect your personal loan repayment in case of unforeseen events with our dedicated life insurance options.
Personalized support tailored to your needs
Peace of mind when taking out a loan
Coverage available from 18 to 80 years old
Protection for you and your co-borrower
No medical evidence required
For your peace of mind and that of your loved ones, you can benefit from life insurance for your personal loan.
While optional, it is highly recommended, as this insurance covers real and significant risks. Depending on your situation at the time of taking out your personal loan and your specific needs, this supplementary insurance protects you in case of:
Choose to be well-protected and ensure that your Personal Loan can be repaid under any circumstances!
Life Coverage
Total and Permanent Disability Protection
Temporary Total Disability Support
Job Loss Assistance
Life Protection
Permanent Total Disability Coveragee
Temporary Total Disability Supportl
This coverage applies to the insured who is officially recognized as completely and permanently unable to engage in any occupation or work that provides income or profit. The individual requires the continuous assistance of another person to carry out all ordinary daily activities.
This coverage applies to the insured who is temporarily and completely unable to continue their professional work or any income-generating activity due to illness or an accident. The individual is expected to recover, but during this period, they cannot perform any work that provides financial gain.
This coverage applies to the insured in the event of involuntary job loss. It provides financial support during the period when the individual is unemployed due to termination, ensuring protection until they regain employment.
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Example of a Personal Insurance-Linked Loan (excluding optional insurance): for a total credit
amount of CAD 14,500, repayable over 60 monthly installments of CAD
289.50 (excluding optional insurance). Fixed Annual Percentage
Rate (APR): 7.60% (excluding optional insurance). Fixed debtor rate: 7.35%. One-time fees:
CAD 0.00. Total credit cost: CAD 2,867.00. Total amount payable by
the borrower: CAD 17,367.00. First installment due in 30 days. Effective loan term: 60
months. You have a right of withdrawal. Annual Insurance Percentage Rate (AIPR) for a single
insured (excluding any additional premiums) covered at 100% based on the Comfort coverage
(including Death, Total and Irreversible Disability, and Temporary Total Incapacity) under the
"My Personal Insurance" policy no. 5035: 2.91%, representing a monthly insurance cost of CAD
18.85, added to the monthly installment indicated above. The total insurance cost over the full
loan term is CAD 1,131.00. Optional group borrower insurance "My Personal Insurance" policy no.
5035 is underwritten by Arkéa Financements & Services with Suravenir and Suravenir Assurances,
companies regulated by the French Insurance Code. Offer available for loans ranging from CAD
7,975 to CAD 87,000, with repayment periods from 12 to 120 months. Fixed APR: 7.60%.
Subject to acceptance of your application by Arkéa Financements & Services, expiration of the
legal withdrawal period, submission of required documents, and unchanged personal and financial
circumstances at the time of signing your loan agreement.
Conditions effective as of 07/09/2025.
Commasotto offers a range of insurance-linked financing solutions developed by Arkéa
Financements & Services.
Lender: Arkéa Financements & Services – Headquarters: 335, rue Antoine de Saint-Exupéry, 29490
GUIPAVAS - Public Limited Company with Management Board and Supervisory Board, share capital CAD
304,500,000 – RCS Brest B 338 138 795. Insurance brokerage company, ORIAS registration no. 07
019 193 (verifiable at www.orias.fr).
Advertising document for informational purposes only and non-binding.
* The borrowable amount depends on the type of project you wish to finance. For example, for home renovations with insurance coverage, you can borrow from CAD 7,975 to CAD 87,000 over repayment periods ranging from 12 to 120 months.
** Fixed APR of 4.90% for an energy-efficiency Renovation Loan of CAD 17,400 over a 12-month repayment period.
(1) Bank transfer within 48 business hours after processing your request. Subject to acceptance of your credit file by Arkéa Financements & Services, expiration of the legal withdrawal period, and submission of required documents.