THE ESSENTIALS
Before you start
- Age errors have a specific rule in life insurance.
- Actual age against underwriting limits is a decisive distinction.
- Even without voidability, benefits or premiums may be affected.
Two situations addressed by the law
Article 189 of Portugal’s insurance contract regime provides for voidability when actual age falls outside the insurer’s underwriting limits. Without that ground, the discrepancy can reduce the benefit proportionately to the premium paid or require repayment of excess premium, depending on the case.
First establish the discrepancy
Sofia compares the received information with the correct details and identifies the field concerned. Clara distinguishes an incorrectly recorded birth date from a question about how age was used in pricing. A vague price enquiry does not necessarily clarify an identification error.
As preparation, record the contract reference, document and information to be corrected. Ask which details were considered and what effect is attributed to the discrepancy. Do not edit the issued document to match the correct information; retain the version received.
Do not assume changing the field settles the figures
A response confirming updated information may still leave benefit or premium treatment unexplained. Sofia asks the response to distinguish these matters. If the insurer presents an adjustment, request the basis, period and information used rather than trying to infer a tariff from one receipt.
Clara notes that a quotation obtained now uses the terms of that new assessment. It does not establish the original contract’s figures had the correct age been recorded. Nor does it decide here whether an individual amount is receivable or repayable.
Confirm the contract supporting the mortgage
For insurance linked to borrowing, keep the contract and relevant sum insured identified in the enquiry. Request an answer about policy status and corrected documents. Do not stop payments or existing protection after deciding independently that the discrepancy corrected or avoided the contract.
For a current policy, use policy support and the indicated private identification channel. To compare future protection, select Life in Request a quotation. Do not post identity documents in comments or submit them initially when explaining the question is sufficient.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Identify the incorrect entry and true information.
- Ask about underwriting limits and the error’s effect.
- Check the document, benefit and premiums separately.
- Keep the response and confirm the mortgage policy’s status.
FROM THE ARTICLE TO YOUR SITUATION
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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.