Sources#

Source ids, titles, publishers, URLs and retrieval markers are carried over verbatim from _research/assurance-emprunteur.md, the citation ground truth for the [S#]/[R#] tags used in product-spec.md and technical-notes.md. Ids S1–S14 and R1–R20 are frozen there and are never renumbered here. Entries the two documents do not cite are omitted, leaving gaps rather than closing them: R14, R15 and R20 are omitted — the Banque de France press release on the loi Lemoine bilan, the CCSF’s December 2016 review of the equivalence avis, and the CCSF institutional portal, all three of which returned HTTP 403 and none of which any statement in these documents relies on. No new source was fetched at drafting.

Access date for all citations: 2026-08-26.

Primary product sources [S#]#

S1 — Cardif Libertés Emprunteur, “Cotisations fixes” (notice d’information, janvier 2022)#

  • Publisher / doc type: CARDIF Assurance Vie (BNP Paribas Cardif), conventions n° 2827/736 (UFEP), administered by Cbp France (Orias 07 009 030); notice d’information valant conditions générales, 29 pp.

  • URL: https://assurance-de-pret-expert.com/wp-content/uploads/2022/07/Conditions-Generales-Cardif-Liberte-Emprunteur-cotisations-fixes.pdf

  • Retrieved: YES (PDF downloaded, full text extracted with PyMuPDF). Third-party broker mirror of the insurer’s own January 2022 edition.

  • Used for: the level-premium design and the lexique definitions (capital assuré, capital restant dû, carence, franchise, quotité); the guarantee combinations and age conditions; the three-of-four PTIA acts test; the 30/60/90/180-day franchise, the 1 095-day ITT cap, the €10 000 monthly cap and the IPP ramp (N−33)/33; IPT paid as the CRD; the barème croisé; anti-duplication; perte d’emploi; exclusions and the Sérénité+ buy-back; the pre-Lemoine cancellation regime.

S2 — Cardif Libertés Emprunteur, “Cotisations variables” (notice d’information, janvier 2022)#

  • Publisher / doc type: CARDIF Assurance Vie, same conventions and administrator as S1; notice d’information valant conditions générales, 29 pp.

  • URL: https://assurance-de-pret-expert.com/wp-content/uploads/2022/07/Conditions-Generales-Cardif-Liberte-Emprunteur-cotisations-variables.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the decreasing-premium twin of S1 — premium rebased on the capital restant dû at the attained age and the partial-early-repayment rule; identical franchise set and 1 095-day cap; IPT paid as the CRD.

S3 — Cardif, “Votre partenaire privilégié en assurance de prêt” (plaquette courtiers, conventions n° 2827/736 et 2828/727)#

  • Publisher / doc type: BNP Paribas Cardif; brochure for intermediaries (document à caractère publicitaire), 16 pp.

  • URL: https://www.evassure.fr/wp-content/uploads/2021/07/plaquette-cardif-clecrd.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the statement that the contract is forfaitaire; the age-limit grid by guarantee; the unisex tariff and €10 file fee; the self-assessment against the 18 CCSF criteria and the 11-of-18 plus 4-of-8 rule; IPT “au choix : CRD ou échéances”.

S4 — Cardif, “Les 18 critères CCSF / Délégation d’assurance : les exigences de l’organisme prêteur” (web page)#

  • Publisher / doc type: BNP Paribas Cardif; insurer consumer web page.

  • URL: https://www.cardif.fr/assurance-emprunteur/delegation-ade-exigences-organisme-preteur

  • Retrieved: YES (HTML fetched).

  • Used for: the 11-of-18 plus 4-of-8 rule; the FSI delivered at the first costed simulation carrying the guarantees, the quotité and the cost estimate; the requirement that an equivalence refusal be written, dated, explicit and precisely motivated.

S5 — APRIL, “Assurance de Prêt APRIL — Notice valant conditions générales” (PRT150115)#

  • Publisher / doc type: APRIL (individual contract distributed through an association); notice valant conditions générales, 24 pp.

  • URL: https://assurance-de-pret-expert.com/wp-content/uploads/2021/01/Conditions-Generales-ADP-APRIL.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: Décès/PTIA paying the CRD within the Montant garanti; the four-of-four PTIA acts test; ITT from the 31st/61st/91st/181st day with the two-month relapse rule; IPT ≥66 % on the ITT basis and IPP 33 %–65 % at 50 %; the annual re-computation of the premium on the guaranteed CRD and attained age; premium waiver pro rata; the option Prévoyance.

S6 — APRIL, “Assurance de Prêt APRIL — livret de garanties (Optimum +)”#

  • Publisher / doc type: APRIL Santé Prévoyance; retail brochure (document à caractère publicitaire), 8 pp.

  • URL: https://assets.april.fr/prismic/doc-part-april-adp-optimum-plus-livret-garanties.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the indemnitaire versus forfaitaire explanation and the “own profession” versus “any profession” ITT distinction; the franchise menu and its residence restrictions; the €25 000 monthly and €15 000 000 capital maxima; the 80/85 and 64/71 age grid.

S7 — APRIL / AXERIA Prévoyance, “APRIL Assurance de Prêt Optimum + (cotisation variable)” (IPID/DIPA, OPIV012022DIP)#

  • Publisher / doc type: AXERIA Prévoyance (insurer), APRIL Santé Prévoyance (Orias 07 002 609, manager); standardised insurance product information document, 2 pp.

  • URL: https://assets.april.fr/prismic/documents/particuliers/doc-part-april-adp-optimum-plus-document-information-produit-cotisation-variable.pdf?vh=3a7365&func=proxy

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the cleanest published statement of the decreasing-premium design (“le montant des cotisations change tous les ans en fonction de l’âge de l’emprunteur et du montant du capital restant dû”); the “IPT en capital” versus “IPT en rente” naming; cover-end ages 90/71/65; the 30-day renonciation; the three-month délai d’attente.

S8 — APRIL, “Assurance de Prêt Intégrale (Perte d’Emploi)” (notice valant conditions générales, ITGP042023)#

  • Publisher / doc type: APRIL, conventions MNCA2023P1/P2, PE modules MNAC2023P4 (variable) and MNAC2023P5 (constant); notice valant conditions générales, 17 pp.

  • URL: https://www.meilleurtaux.com/images/ade/Conditions-Generales/CG_APRIL_Integrale-perte-emploi.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the perte d’emploi module’s eligibility, 91st-day trigger, €3 500 cap and 12-month limit; and its article 8, which states the two premium bases verbatim — cotisation variable on the guaranteed CRD at 1 January with the age attained at 31 December, cotisation constante on the initial Montant garanti.

S9 — CNP Assurances, “Assurance de prêt — Note et notice d’information” (contrat de groupe n° A217Y, édition 25_02_A217Y)#

  • Publisher / doc type: CNP Assurances (RCS Nanterre 341 737 062), subscriber association ASSOCIAREA, administrator Multi-Impact; note + notice d’information of a group policy, 23 pp., 2025 edition.

  • URL: https://www.meilleurtaux.com/images/ade/Conditions-Generales/Notice_CNP_CI_A217Y_12032025.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the chassis of the representative design — the definitions of capital assuré, capital initial and capital restant dû; the guarantee table with each guarantee’s age ceiling and maximum benefit (Décès 85, PTIA 70, ITT/IPT/IPP/MTT 70, GAF 67); the 30/60/90/120/180-day franchise; the IPT/IPP mechanics with the published taux global d’incapacité cross table and its worked example; the <90-day relapse rule; quotité in 1 % steps with the 100 %/40 % example; the €5 000 000 encours maximum; the medical-formality rule and 6-month questionnaire validity; the premium on the capital initial at the age at adhesion; the 90-day notification deadline; the loi Lemoine cancellation procedure; the garantie aide à la famille.

S10 — CNP Assurances / BPCE Vie, “Contrat d’assurance de groupe en couverture de prêts n° A340G” (édition 21_06_A340G)#

  • Publisher / doc type: CNP Assurances and BPCE Vie (Natixis Assurances), subscriber BPCE (Orias 08045100), distributed by Banque Populaire; note + notice d’information, 14 pp.

  • URL: https://www.img.banquepopulaire.fr/app/uploads/sites/24/2022/03/23094728/cg-assurances-emprunteur-a340g.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the indemnitaire/forfaitaire distinction — the four-way benefit rule by professional status and the definitions of revenu de référence and revenu de remplacement; premiums “en pourcentage du capital initial du prêt ou du capital restant dû”; the 90-day standard franchise with a 30-day option; consolidation “au plus tard trois ans après le début de son Incapacité Temporaire Totale”; the flat-50 % IPP; cover ending at 80 for Décès and 67 for the rest.

S11 — MAIF VIE, “Avantage Emprunteur — Notice d’information”#

  • Publisher / doc type: MAIF VIE, subscriber association “Association pour l’union et le recours en assurances” (Meyreuil), administrator Multi-Impact; notice d’information, 30 pp.

  • URL: https://www.meilleurtaux.com/images/ade/Conditions-Generales/Notice_MAIF.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: a mutual-insurer contract with a single fixed 90-day franchise; “l’indemnité garantie est forfaitaire, égale aux mensualités venant à échéance”; the 1 095-day ITT maximum; IPT ≥66 % paid as instalments and the IPP formula (taux − 33)/33; guarantee-end ages 85/70/67; the premium on the capital initial, fixed for the term and waived throughout a claim.

S12 — MetLife, “SUPER NOVATERM CRÉDIT — Note d’information” (NISNC19, mars 2017) with the conditions générales#

  • Publisher / doc type: MetLife (France branch); note d’information under arts. L. 132-5-2 and A. 132-4 C. ass. plus conditions générales, 13 pp.

  • URL: https://assurance-de-pret-expert.com/wp-content/uploads/2021/01/Conditions-Generales-Super-Novaterm-Credit.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the structural outlier — an individual branch-20 term-life contract paying a scheduled capital garanti with the lender beneficiary only “à concurrence des sommes restant dues”; ITT as forfaitaire daily indemnities after a 15/30/60/90/180-day franchise for at most 1 095 days; IPT ≥66 % paying the death capital.

S13 — CNP Assurances / CNP IAM / MFPrévoyance, “Notice d’information du contrat de groupe n° 7371 M” (Banque Française Mutualiste)#

  • Publisher / doc type: coinsurance, CNP Assurances and CNP IAM as apériteur (10 %) and MFPrévoyance SA (90 %), subscriber Banque Française Mutualiste; notice d’information, 12 pp.

  • URL: https://www.assurance-emprunteur.bzh/sites/kelemprunteur/files/insurance/cgv-banque-francaise-mutualiste-fr.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the nivelé premium statement that drives the model’s premium rule — “Le taux de prime a été nivelé sur la durée du prêt ; par conséquent, la cessation de ces garanties n’a pas d’incidence sur le montant de la prime”; branches 1, 2 and 20 of art. R. 321-1; whole instalments with no prorata temporis; the social-security-anchored ITT trigger; no IPT and no IPP; cover ending at 75 for Décès and 65 for PTIA and ITT.

S14 — Crédit Agricole, “Notice d’information ADI – P / 103-2016” (group borrower policy)#

  • Publisher / doc type: Crédit Agricole (Assurance Décès Invalidité); notice d’information of a bancassurance group policy.

  • URL: https://www.ce-g3-esimulca-enligne.credit-agricole.fr/pep//resources/pdf/info-assurance.pdf

  • Retrieved: NO (HTTP 502 Bad Gateway). fetched_ok = false.

  • Used for: nothing substantive — cited once, in product-spec.md, to record that the largest reported writer of the risk is absent from the sample.

Regulatory and actuarial references [R#] (product research file numbering)#

R1 — LOI n° 2022-270 du 28 février 2022 (“loi Lemoine”)#

  • Publisher / doc type: Légifrance (Journal officiel); statute, 11 articles.

  • URL: https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000045268729

  • Retrieved: YES.

  • Used for: résiliation à tout moment (art. 1); explicit motivated refusals (art. 2); the annual reminder duty and its €3 000 / €15 000 fines (art. 3); eight-year retention (art. 4); the ten-business-day lender answer (art. 5); entry into force 1 June 2022 / 1 September 2022 (art. 8); the five-year droit à l’oubli cap (art. 9); the questionnaire suppression (art. 10).

R2 — Code des assurances, art. L. 113-2-1#

  • Publisher / doc type: Légifrance; statutory code article, version in force from 1 June 2022.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000045271000/2026-04-29

  • Retrieved: YES.

  • Used for: the two cumulative conditions of the questionnaire waiver — insured share of the cumulative credit encours not exceeding €200 000 per insured, and repayment falling before the insured’s 60th birthday.

R3 — Code des assurances, art. L. 113-12-2#

  • Publisher / doc type: Légifrance; statutory code article, version in force from 1 June 2022.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000045271930

  • Retrieved: YES.

  • Used for: cancellation at any time from signature of the art. L. 313-24 loan offer; effect ten days after the insurer receives the lender’s acceptance, or at the substitute’s effective date if later; no cancellation on refusal; the tie to art. L. 313-1 1° credits.

R4 — Code de la consommation, arts. L. 313-8 to L. 313-10 (borrower-insurance information)#

  • Publisher / doc type: Légifrance; statutory code sub-section.

  • URL: https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032222229/

  • Retrieved: YES.

  • Used for: the three mandatory cost presentations — the TAEA, the euro total over eight years and over the full term, and the euro cost per instalment period; the duty to hand over the FSI and the cancellation notice; the €75 000 FSI threshold.

R5 — Code de la consommation, arts. R. 313-8 to R. 313-10 (content of the fiche standardisée)#

  • Publisher / doc type: Légifrance; regulatory code sub-section (3 December 2025 view).

  • URL: https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032807522/2025-12-03

  • Retrieved: YES.

  • Used for: the five heads of FSI content fixed by R. 313-9, including the quotité and the TAEA for the whole loan per art. R. 314-12; and R. 313-10, requiring the sheet to be given to each borrower and co-borrower separately.

R6 — Code de la consommation, art. R. 314-12 (definition of the TAEA)#

  • Publisher / doc type: Légifrance; regulatory code article, version in force from 1 October 2016.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000032807626

  • Retrieved: YES.

  • Used for: the operative definition the worked TAEA implements — the difference between the TAEG computed assuming the proposed insurance is entirely required and the TAEG computed assuming no insurance is required, both under arts. R. 314-1 to R. 314-10.

R7 — Code de la consommation, art. L. 313-30#

  • Publisher / doc type: Légifrance; statutory code article, version in force 1 June 2022.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000045271935

  • Retrieved: YES.

  • Used for: the equivalence rule — the lender may not refuse another contract presenting “un niveau de garantie équivalent”, and any refusal must be explicit and state all its reasons.

R8 — Code de la consommation, Section 5 (arts. L. 313-24 to L. 313-39), read for L. 313-29, L. 313-31 and L. 313-32#

  • Publisher / doc type: Légifrance; statutory code section.

  • URL: https://www.legifrance.gouv.fr/codes/section_lc/LEGITEXT000006069565/LEGISCTA000032222201

  • Retrieved: YES.

  • Used for: the notice in the credit contract and the rule that risk definitions and pricing may not change without the borrower’s agreement (L. 313-29); the “délai de dix jours ouvrés” and the fee-free amendment restating the TAEG (L. 313-31); the prohibition on changing the loan rate or credit conditions or charging any fee (L. 313-32).

R9 — Arrêté du 29 avril 2015 (format and content of the fiche standardisée d’information)#

  • Publisher / doc type: Légifrance (consolidated LODA text with the annexed FSI model); ministerial order with an annexed template.

  • URL: https://www.legifrance.gouv.fr/loda/id/JORFTEXT000030555752

  • Retrieved: YES (consolidated text and the annex’s part-by-part structure read; the annex is a form template, so retrieval yields headings and fields rather than prose).

  • Used for: the eight-part FSI model, in particular part 4 — the lender’s minimum required guarantees with a quotité box for each of Décès, PTIA, ITT, IPT, IPP and perte d’emploi, which is where a lender’s quotité floor is expressed — and part 7, the cost estimate.

R10 — Arrêté du 27 mai 2022 modifiant l’arrêté du 29 avril 2015 (FSI)#

  • Publisher / doc type: Légifrance (Journal officiel); ministerial order, three operative articles, in force 1 June 2022.

  • URL: https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000045833541

  • Retrieved: YES.

  • Used for: the statement that the invalidity guarantee is independent of the social-security notion of invalidity; the new part 7.2, the cost over the first eight years; the rewritten part 8 carrying the questionnaire exemption and the switching right.

R11 — CCSF, “Avis sur l’équivalence du niveau de garantie en assurance emprunteur”, 13 janvier 2015, with its annexed liste de place#

  • Publisher / doc type: Comité consultatif du secteur financier (secretariat at the Banque de France); formal opinion with an annexed criteria list, 8 pp.

  • URL: https://www.moneyvox.fr/r/CCSF/CCSF-2015-assurance-emprunteur.pdf

  • Retrieved: YES (PDF downloaded, full text extracted). Third-party mirror — the Banque de France copies of the CCSF corpus all returned HTTP 403.

  • Used for: the three-step equivalence method; the rule that each lender chooses at most 11 of the 18 criteria plus at most 4 of the 8 perte d’emploi criteria and must state the required value, “par exemple son caractère forfaitaire ou indemnitaire”; the fiche personnalisée; the criteria themselves, including the ≤30/≤60/≤90/≤120/≤180-day franchise boxes and the IPP-from-33 % criterion.

R12 — CCSF, “Rapport annuel 2023”, chapter 1.1 “L’assurance emprunteur”#

  • Publisher / doc type: Comité consultatif du secteur financier, copy served by vie-publique.fr; annual report, 94 pp.

  • URL: https://www.vie-publique.fr/files/rapport/pdf/298146.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the portfolio split by contract type (72.2 / 4.4 / 16.0 / 7.4 at 31 May 2023); substitution requests 99 265 → 181 600 between H1 2021 and H1 2023 and ~215 000 external alternative contracts added in 17 months; acceptance rates 88 %–90 % and 70 %–87 %; claim declines by guarantee and contract type, and the finding that 50 %–75 % of external-insurer declines are mis-declarations including “maximum cover age exceeded”; the 2019→2023 tariff movements; the questionnaire-waiver take-up (58.5 %, 23 %, 31 %) and the ~10 % repricing of contracts without medical selection; the CSP1 skew; the garantie aide à la famille avis.

R13 — CCSF, “Bilan de l’assurance emprunteur — Rapport adressé au Parlement” (décembre 2023)#

  • Publisher / doc type: CCSF / Banque de France; report to Parliament under art. 11 of the loi Lemoine.

  • URL: https://www.banque-france.fr/system/files/import/ccsf/medias/documents/bilan_ae_2023.pdf

  • Retrieved: NO (HTTP 403, retried once, 403 again). fetched_ok = false.

  • Used for: recording, in product-spec.md, that this report was never read — so the widely-circulated 2024/2025 figures (22.15 m contracts, €6.830 bn premiums, 496 654 substitution requests, 93.91 % acceptance, 17.48 % alternative share) are unverified. Its conclusions enter these documents only through R12.

R16 — Code de la santé publique, art. L. 1141-5 (droit à l’oubli and the AERAS grille)#

  • Publisher / doc type: Légifrance; statutory code article, version in force 2 March 2022.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000045272010

  • Retrieved: YES.

  • Used for: the statutory cap — the delay beyond which no medical information on cancers or hepatitis C may be collected may not exceed five years from the end of the therapeutic protocol.

R17 — Convention AERAS, “Document d’information AERAS” (décembre 2023)#

  • Publisher / doc type: Convention AERAS (s’Assurer et Emprunter avec un Risque Aggravé de Santé); official information document for applicants, 2 pp.

  • URL: https://www.aeras-infos.fr/files/live/sites/aeras/files/contributed/docs/Document%20Information%20AERAS%20d%C3%A9cembre%202023.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the droit à l’oubli conditions and the 71st-birthday term limit; the grille de référence scope (insured share ≤ €420 000, term before the 71st birthday), list I setting shorter delays and list II capping surcharges by guarantee. The grid itself was not retrieved, so no pathology-specific delay is quoted anywhere in these documents.

R18 — France Assureurs, “L’assurance prévoyance en 2024” (étude, juillet 2025)#

  • Publisher / doc type: France Assureurs, Direction Statistiques & Recherche Économique; annual market study, 25 pp.

  • URL: https://www.franceassureurs.fr/wp-content/uploads/lassurance-prevoyance-en-2024.pdf

  • Retrieved: YES (PDF downloaded, full text extracted).

  • Used for: the narrow “contrats emprunteurs (garantie décès)” line — 5 223 thousand contracts at end-2024, €979 m of premiums and €330 m of benefits — with the caveat that it covers only the death guarantee of individual-adhesion contracts written by Code des assurances undertakings and is not a market total.

R19 — Code de la consommation, art. R. 313-8#

  • Publisher / doc type: Légifrance; regulatory code article, version in force 1 July 2016.

  • URL: https://www.legifrance.gouv.fr/codes/article_lc/LEGIARTI000032807524

  • Retrieved: YES.

  • Used for: the rule that the FSI states the principal characteristics of the insurance clearly and legibly “dont le modèle est annexé au présent code” — the link between the statutory duty and the annexed template of R9.

Cross-product references ([REG-R#])#

Cited with the [REG-R#] prefix to avoid collision with the product research file’s own R-numbering. Full annotated entries — titles, publishers, URLs, retrieval markers, access date 2026-08-26 — live in references/regulatory-and-actuarial-references.md, whose R1–R49 numbering is frozen. Entries cited by the two documents in this directory. The Solvabilité II directive itself (REG-R1) is deliberately not cited: it could not be fetched, and that library’s own rule is to cite REG-R4 — the EIOPA framework page that was — for any statement of Solvency II fact.

Tag

Short title

Why this product cites it

Retrieval status

REG-R2

Règlement délégué (UE) 2015/35

why no cost-of-capital or lapse-shock figure here is sourced

not fetched (same challenge)

REG-R4

EIOPA — Solvency II framework page

the authority on which the best-estimate rule is stated

fetched

REG-R5

EIOPA — risk-free interest rate term structures

the curve a reader applies to these cash flows; the model uses a flat std rate

fetched

REG-R6

C. ass. art. R. 343-3 — eleven technical provisions

the provision mathématique and provision pour égalisation an ADE book touches

fetched

REG-R10

CMF art. L. 612-1 — the ACPR

the supervisor; no ACPR document on this product was obtainable

fetched

REG-R22

Arrêté du 20 décembre 2005 — TH 00-02 / TF 00-02

the homologated non-annuity tables the Décès and PTIA legs sit on

fetched

REG-R23

C. ass. art. A. 335-1 and its Annexe

which mortality basis a French tariff may use, and the décalage d’âge schedules

fetched (older version served)

REG-R24

INSEE — mortalité, espérance de vie

the only redistributable French mortality data, behind the std proxy tables

fetched

REG-R32

Devoir de conseil — L. 132-27-1 (abrogated) and the DDA

the distribution frame for an advised borrower-insurance sale

fetched (article); DDA substance unverified

REG-R35

Loi n° 2022-270 (loi Lemoine)

the same statute as R1, verified article by article in the shared library

fetched

REG-R36

C. consommation arts. L. 313-8 / L. 313-30

the TAEA and the eight-year / full-term euro cost an ADE model must produce

fetched

REG-R37

France Assureurs — Statistiques Convention AERAS 2023

the only public French price point (1.01 % / 0.65 % of initial capital) and the 69/30/2 guarantee split

fetched

REG-R43

Institut des actuaires — NPA 1

the professional frame for the assumption-setting these notes make explicit

fetched

REG-R44

Institut des actuaires — NPA 2 (modèles actuariels)

the standard against which this documentation and worked example are judged

fetched

REG-R45

IFRS 17 Insurance Contracts

the accounting layer that consumes the same projections

fetched

Provenance note#

Extraction details live in _research/assurance-emprunteur.md, which records which fact came from which source and every unverified flag. The caveats that travel with this product:

  • The whole Banque de France / CCSF estate refused automated fetches — HTTP 403 on every attempt R13 — so the two CCSF documents used here come from mirrors, the 2015 avis via moneyvox R11 and the 2023 annual report via vie-publique R12. No ACPR document was retrieved at all, and no statement about supervisory expectations on this product is made.

  • No reserving, prudential or tax source was retrieved. The nivelé premium design is stated in a contract [S13], but how a French insurer reserves the resulting increasing-risk pattern, and the taxe spéciale sur les conventions d’assurance treatment of the death versus the incapacity components, are both unverified here.

  • No decrement, incidence or termination table exists in this corpus, and no standard-risk rate card or filled-in FSI was retrieved. Every decrement, the premium rate, the expense assumptions and the discount rate in technical-notes.md are therefore std, and the worked example’s TAEA and cost totals are computed from those std inputs, not quoted.

  • Mirror hosting. S1, S2, S5 and S12 were retrieved from assurance-de-pret-expert.com, S8, S9 and S11 from meilleurtaux.com, S3 from evassure.fr and S13 from assurance-emprunteur.bzh — intermediary mirrors of the insurers’ own documents. Publisher, document code and edition are recorded above for re-verification.

  • Vintage mismatch and sampling gap. The Cardif documents [S1] [S2] [S3] are January 2022 editions describing the pre-Lemoine cancellation regime and citing the repealed art. L. 312-9 — their guarantee mechanics are current, their cancellation clauses are not — and the APRIL notice [S5] is an older edition than the Optimum + material [S6] [S7], the two disagreeing on the death cover-end age (85 against 31 December of the 90th birthday year), which is recorded rather than resolved; only [S9] (2025) and [S8] (2023) are demonstrably post-Lemoine. Crédit Agricole’s notice [S14] returned HTTP 502, Generali, Suravenir, MNCAP, AFI-ESCA and Swiss Life were not sampled, and the contrat alternatif bancaire segment has no document here at all.

  • Two derivations, labelled as such. The barème croisé formula N = (IF² × IP)^(1/3) reproduces every printed cell of both retrieved grids [S1] [S9] and both worked examples, but neither contract states it — it is a fitted reconstruction. And the claim that the co-borrowers’ quotités must total at least 100 % is unverified as an insurance-contract rule: it is a lender requirement expressed through the FSI and the CCSF fiche personnalisée R9 R11.

Standardizations marked std in product-spec.md and technical-notes.md are introduced at drafting and are attributable to no source. The std decrement tables in technical-notes.md are placeholders shaped like the quantities a real basis would carry; they are not TH 00-02 / TF 00-02 values and carry no actuarial authority.

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