insurers must meet at least the statutory requirements for death and accidents or illnesses attributable to service. Candidates may submit an offer with variations. They may relate to the nature and amounts of guarantees, exclusions, deductibles, services of the administrative part. They must not affect the intangible elements defined in the rules of the consultation. The Insurer may offer a premium rate guarantee for a certain period of time. This rate guarantee will have the effect of partially derogating from the cancellation rights by the insurer, except in the event of non-payment of premiums or withdrawal of approval. There is no option in the European sense of the term

insurers must meet at least the statutory requirements for death and accidents or illnesses attributable to service. Candidates may submit an offer with variations. They may relate to the nature and amounts of guarantees, exclusions, deductibles, services of the administrative part. They must not affect the intangible elements defined in the rules of the consultation. The Insurer may offer a premium rate guarantee for a certain period of time. This rate guarantee will have the effect of partially derogating from the cancellation rights by the insurer, except in the event of non-payment of premiums or withdrawal of approval. There is no option in the European sense of the term