ParleyHow we are paid
Products inherit incentives.
To know whose side a service is on, look at who pays it. Talking to Parley is free. Here is who pays us, and how much.
How the money stays out of the advice.
Parley ranks offers without looking at the commission.
The commission is not a criterion in how Parley ranks what it shows you. It ranks on your situation, the cover you need and the price. This is written in the Parley Core.
One commission level per line of insurance.
For a given line, loan insurance for example, we apply the same commission level with every wholesaler. No wholesaler can pay us more to be shown first. The level is recorded, and it never changes from one person to the next.
An impartial analysis of the market.
RBP CORP FRANCE advises on the basis of an impartial analysis: Parley compares a sufficient number of contracts offered on the market, through the wholesale brokers that give it access to their insurers’ products. See our wholesale partners. You can also request the list at contact@onparley.com.
We tell you when to keep what you have.
“Keep it” is a full answer. A verdict that earns us nothing is still a verdict.
Your money never goes through us.
Your premium is collected by the insurer or its wholesaler. Never by Parley. The commission reaches us only once your premium has been collected.
Part of it comes in advance, and we say what that means.
Some wholesalers advance part of the commission at the start of a contract. If the contract ends early, we pay part of it back. That gives us a reason to want your contract to last. We name it so you can hold us to the rule that comes first: when changing is right for you, Parley tells you.
Every fee in the price we show.
Every offer Parley shows you is priced with every fee included: the price you see is the price you pay.
No file fees charged by Parley.
Parley charges no file fees. Any file fees charged by a wholesaler are included in the displayed price. In loan insurance, our fee applies only if you save and is shown before you sign.
Our fee follows what you save.
The saving is counted over the remaining term of your loan: Parley calculates it and shows it to you. The fee is fixed by bracket, and you see it before anything is signed.
| Your saving over the remaining term of your loan | Our fee |
|---|---|
| Under €2,000 | €0 |
| €2,000 to under €5,000 | €100 |
| €5,000 to under €10,000Example | €200 |
| €10,000 to under €20,000 | €300 |
| €20,000 or more | €400 |
The fee applies only in loan insurance. For every other line, the commission paid by the insurer is all we earn.