By Raphaël MORENON
15 July 2025
Financial packages combining a bank loan with a life insurance policy are common investment solutions, often presented as advantageous wealth management operations. This type of arrangement, where a loan, often at maturity, is used to finance a life insurance investment pledged to the bank, is based on the hope that the value of the policy will cover the repayment of the loan at maturity. However, when financial performance is poor, the borrower can find himself in a tricky situation, having to repay a loan and at the same time deal with a depreciated investment. In this context, the banking institution, which acts not only as a lender but also as an insurance intermediary, may be held liable. It is essential to understand that the risks of loans assigned to financial investments entail specific obligations for the bank. A poor assessment of the customer's situation or a failure to provide information...
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