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Description

Creditor Insurance: Informing, Advising and Documenting the Sale

Sell creditor insurance in line with insurance distribution conduct requirements, with a written trail that stands up to a complaint

  • 2 days — 14 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

Creditor insurance is sold within the short time frame of a mortgage or personal loan. Cover is presented quickly, exclusions go unnoticed, the insured share between co-borrowers is set without discussion, and the advice given leaves no written trace. When a claim is declined or a complaint is filed, the institution cannot demonstrate what was actually explained.

This short-format programme revisits the sales cycle from a distribution conduct perspective. Participants link the customer's demands and needs to the cover proposed, learn to explain exclusions and the insured share, then document the advice given and handle replacement requests and complaints with confidence.

Learning objectives

  • Apply insurance distribution conduct obligations to the sale of creditor insurance
  • Gather the customer's demands and needs before making any proposal
  • Explain the cover, the exclusions and the choice of insured share
  • Document the advice given in a traceable manner
  • Handle a policy replacement request and a customer complaint

What makes this programme different

The exclusions of a real contract are translated into concrete consequences for the customer
The insured share is worked through on couple scenarios with unequal incomes
The written advice is drafted and then reviewed as a complaints unit would review it

Programme

1Creditor insurance and the distribution framework

Positioning the product and the distributor's obligations

  • Role of creditor insurance in financing arrangements
  • Distributor obligations under insurance distribution conduct rules
  • Documents provided to the customer before subscription
  • Distributor liability in the event of a breach

2Needs assessment and advice

Matching cover to the customer's actual situation

  • Gathering the borrower's demands and needs
  • Death, temporary disability, permanent disability and loss of employment cover
  • Reading exclusions and the conditions under which claims are accepted
  • Health declaration and the consequences of inaccurate statements
  • Choosing the insured share between co-borrowers

3Documentation, replacement and follow-up

Maintaining the relationship after signature

  • Drafting the advice given and retaining supporting documents
  • Replacement requests and review of equivalence of cover
  • Informing the customer during the life of the contract
  • Handling a complaint and a declined claim

Who is it for

Relationship managers handling home and personal lending, insurance intermediaries and staff distributing creditor insurance contracts.

Prerequisites

Practical experience in lending or in the distribution of insurance products.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.