Which household expenses would continue if an income were missing?

Take a useful budget snapshot

List categories such as housing, food, education and other regular commitments. Distinguish recurring expenses from one-off payments and flag what still needs checking. You can begin with categories without disclosing amounts or documents on social media.

Last month may have been unusual. Identify annual expenses and changes already known instead of automatically multiplying a single month. The purpose is to explain priorities, not predict every future event.

Add time to the checklist

Fictional example: Rui records a monthly instalment. Inês notes that one commitment ends in a few months while another continues for several years. The same monthly total had concealed different time horizons.

Create columns for the commitment, frequency and information to confirm. Do not use a formula from this article to select a sum insured: that assessment depends on individual circumstances and objectives.

Return to the actual policy terms

Life insurance should not be described as automatically replacing any missing income. In the Allianz contractual example consulted, selected covers are identified in the particular conditions. Check the insured events, limits, exclusions and conditions in the proposal being considered.

Ask how the proposed amount and duration relate to the objective you described. Keep the answers and document version. Visit Life Insurance on rmachado.group to start your request. A quotation does not confirm acceptance, cover or the effective start of a policy.

Sources: Allianz — Vida Segura, condições consultadas em 20/10/2026 ↗