THE ESSENTIALS
Before you start
- Read the full name and definition.
- Consider requirements together.
- Compare equivalent cover.
Locate the full definition
In the Allianz Vida Crédito wording consulted, IAD stands for Invalidez Absoluta e Definitiva (absolute and definitive disability), and ITP for Invalidez Total e Permanente (total and permanent disability). Their criteria differ: IAD includes needing another person’s continuous help with daily activities, while ITP also considers occupational criteria. Read the complete definitions and other product requirements; these descriptions do not determine eligibility in an individual case.
Organise questions about the occupation or activity considered, permanence and required criteria. Where a percentage appears, ask which assessment or rule it refers to. An isolated number does not explain every requirement.
Sources: Allianz Vida Crédito — wording 1904, IAD and ITP definitions; product example ↗
A documentary comparison example
Fictional example: Inês highlights a sentence about occupation in one quotation while Rui finds a different reference in another. Instead of choosing by abbreviation, they compare the complete names and definition page references.
They flag what they cannot yet compare and request an explanation. They do not conclude that a medical condition qualifies for cover or circulate a clinical document in a group to obtain that answer. The exercise concerns reading documents, not clinical or claims assessment.
Add the other conditions and limits
After the definition, clarify exclusions, recognition conditions, duration limits and the sum applicable to the cover considered. Ask for an answer identifying the quotation version rather than combine requirements from different products.
Keep confirmed differences and outstanding questions. Do not publish medical reports, disability percentages or identifiers in comments. Visit Life Insurance on rmachado.group to prepare a request. Individual assessment belongs in the appropriate process with the competent parties.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Read the full name and definition.
- Consider requirements together.
- Compare equivalent cover.
- Protect clinical information.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.