Loan insurance by profile
Loan insurance by profile in Morocco 2026
6 detailed specific profiles: insurance delegation, smoker/non-smoker, senior 55+, high-risk profession, extreme sport, health issue. Surcharges, optimization strategies.
6 profiles analyzed
Loan insurance delegation
All borrowers wishing to optimize credit insurance cost
Surcharge
-50% à -20%
Smoker / non-smoker
Active smoker borrowers (cigarettes, shisha, nicotine vape)
Surcharge
+30% à +80%
Senior 55+
Borrowers 55-70 contracting late mortgage
Surcharge
+40% à +150%
High-risk profession (military, pilot, firefighter)
Military, gendarmes, pilots, firefighters, armed security agents
Surcharge
+25% à +100%
High-risk sport (motorcycle, diving, mountaineering)
Regular practitioners of extreme sports (motorcycle, diving, mountaineering, parachuting)
Surcharge
+15% à +70%
With health issue (diabetes, hypertension)
Borrowers with declared stabilized chronic pathology
Surcharge
+20% à +200%