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Loan Protection with Security Capital

Peace of mind when you consolidate your loans at Handelsbanken
Två kvinnor sitter i soffan och den ena lyfter en baby som ett flygplan

With Loan Protection your nearest and dearest can afford to keep your home in case of the worst.

Loan Protection with Security Capital – how does it work?

If you have all your loans with us, you are entitled to apply for our Loan Protection at no extra cost. Loan Protection gives your family financial security by repaying parts of your loan in the event of your death.

The Loan Protection applies to you alone

The Loan Protection agreement is personal and encompasses your loans and your share of your shared loans. If several people have a shared loan, each and every one is required to apply for a personal Loan Protection agreement.

Loan protection with security capital in brief 

  • Free of charge
  • You need to consolidate your loans at Handelsbanken
  • Protect your nearest and dearest
  • An approved health declaration is required
  • You can sign an agreement at your local branch
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What does Loan Protection with Security Capital cover?

Up to 55 years of age

Up until your 55th birthday, the Loan Protection with Security Capital will cover your total loan amount up to a maximum of 40 price base amounts (SEK 1,892,000 for 2020). This amount is used to repay all or part of your loans.

Between 55 and 65 years of age

From the age of 55 up until your 65th birthday, Loan Protection with Security Capital covers 10 per cent of your total loan amount up to a maximum of four price base amounts (SEK 189,200 for 2020). This amount is disbursed in cash to the estate, and may be used, for example, to pay interest expenses on loans for a period. The Loan Protection expires on your 65th birthday.

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Important points to remember

Are you a cohabitant or do you have a child from a previous relationship?

If you are a cohabitant or have a child from a previous relationship, it is important to consider what would happen were you to die, and how the inheritance would be affected. Contact your local branch if you have questions.

Other insurance policies for you and your family

It is important to think about what the consequences would be if something were to happen to you. Create a secure situation for yourself and your family. Contact your branch office for more information about what we have to offer. 

Find a branch

Contact your branch office to find out more about Loan protection and other insurance policies