I think you will find that you are proud subscribers to: A.D.I: Assurance Dcs Invalidit: Similar to, but more comprehensive than, the term life assurance you might have with a British mortgage. If as I suspect you are with Credit Agricole, then you are also "Benefiting" from one of their "Added Value" accounts the "Compte-Service Souplesse" which for a fee offers insurance against lost papers, keys, cheap overdraft etc etc. Again similar to such accounts offered in the UK. It's up to you to decide whether you need these add-ons and whether they offer value for money. As always banks are keen to offer you all kinds of services, usually chargeable, that may or may not be irrelevant to your personal situation. You should also check exactly what you signed for, and find out whether any of these "add-ons" are now mandatory conditions of your loan.