THE ESSENTIALS
Before you start
- List tasks requiring replacement support.
- Separate support from additional spending.
- Avoid counting the same task twice.
The key distinction
The ASF describes death cover as payment of the agreed amount to the beneficiary. The requested amount needs assessment when arranging the policy.
Sources: ASF — Seguro de Vida — checked on 22 October 2026 ↗
A decision in practice
Fictional example: Sara supports a relative daily and manages school journeys. The couple lists services they would need to purchase, the hours involved and support already available. They exclude unchanged expenses and avoid counting one task twice. They seek estimates for relevant services rather than inventing a salary.
The next step
Choose a realistic transition period and explain the calculation, separating estimates from existing commitments. Ask which amounts and benefits can be assessed for the particular circumstances. Review the objective when family caring responsibilities change. The exercise explains a need; it does not guarantee acceptance, an insured amount or the suitability of a quotation.
Read the life insurance guide and ask RMACHADO GROUP to help assess this specific question against the documents applicable to your situation in Portugal.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- List tasks requiring replacement support.
- Separate support from additional spending.
- Avoid counting the same task twice.
- Explain the purpose of the requested amount.
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.