THE ESSENTIALS
Before you start
- Define the reference earnings.
- Confirm the multiplier.
- Record the calculation date.
Check the formula against the policy
The public September 2026 document titled Vida Grupo — Fidelidade Vida Empresas Extra refers the sum insured to the policy schedule or individual certificates. The salary-based description below is a reading exercise, not a confirmed commercial option; request the actual base and multiplier.
Sources: Fidelidade — documento com título Vida Grupo / Vida Empresas Extra, G360200, setembro de 2026 ↗
Use a calculation others can reproduce
Fictional example: Ana earns a €1,800 base salary plus a variable bonus. Her employer wants to describe the benefit as twenty-four salaries. Before communicating €43,200 as confirmed cover, it checks the accepted earnings definition, multiplier and update date. This arithmetic example does not demonstrate the insurer’s acceptance of any individual insured amount.
Explain the benefit accurately
When communicating with staff, distinguish the calculation rule from the sum actually recorded. Agree how salary increases or working-hours changes are handled without distributing pay details unnecessarily. Use RMACHADO GROUP’s life guide to prepare a benefit review and request confirmation of the amounts recorded under the applicable policy and individual certificates.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Define the reference earnings.
- Confirm the multiplier.
- Record the calculation date.
- Check the individual sum insured.
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.