We work with trusted insurers to offer solutions tailored to your needs.
Thanks to our partnerships, we can offer proposals with competitive premiums.
We support you throughout the entire process, from the simulation to the acceptance of the policy, ensuring that all bank requirements are met.
We help you assess whether the coverage meets the requirements set by the financial institution.
As a credit intermediary authorised by the Bank of Portugal (no. 5976), we provide impartial and free support, helping you make informed decisions.
When taking out a mortgage, financial institutions commonly require certain insurance policies, such as life insurance and home multi-risk insurance.
These insurance policies are designed to protect both the client and the bank, helping to safeguard the mortgage and protect the property in the event of unforeseen circumstances.
Covers the repayment of the mortgage in the event of the policyholders’ death or disability.
Protects the property against damage such as fires, floods, or other natural events.
The client may take out the insurance with any insurer of their choice, as long as the coverage is equivalent to what the bank requires. The bank cannot refuse the mortgage solely based on the chosen insurer.
Understand the key terms related to your life insurance.
Life and home multi-risk insurance are usually required by banks, but there are different coverage options available.
The law does not require a specific insurance policy, but the bank may require certain insurance as a condition for granting the loan.
You can take out the insurance with another insurer, as long as the coverage is equivalent to what the bank requires.
Prices and conditions vary between insurers. Compare premiums, coverage, and exclusions before making a decision.
Some banks offer interest rate reductions if the insurance is taken out through the institution. Consider whether this reduction offsets the difference in the insurance premium.
Your needs may change over time. Regularly compare new market offers.
The insured amount should match the outstanding loan balance. If there is more than one policyholder, check whether both are covered and in what proportion.
waiting periods. Check for situations not covered by the insurance (such as pre-existing conditions or age limits).
Keep policies, receipts, and communications from the insurers, which are necessary in case of a claim or loan transfer.
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