The French credit insurance market is estimated at between 10 and 12 billion euros The global credit insurance market, which includes mortgage payment protection, is valued at over $60 billion. In France, the credit insurance sector has faced major regulatory changes with the introduction of the Lemoine Law in 2022, which has affected market dynamics by allowing borrowers to change insurance providers more freely. The French credit insurance market is growing at an average annual rate of 5%. Home loans still account for a substantial share of insurance premiums. Borrowers are fully covered: death, total and irreversible loss of autonomy, disability. This shield protects almost 90% of borrowers insured for disability and death. Mortgage premiums account for over 66% of total premiums. The consumer credit market represents around 20% of the credit insurance market, and is in decline. The bancassurance model holds a dominant position in the French market, with a market share of over 83%,
