Life doesn’t warn you
Does life cover pay a lump sum or a monthly family income?
Compare lump sums and monthly benefits in life insurance: payment timing, duration and the needs of the family require separate questions.
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Life
The answers you are looking for about life. Choose an editorial series and explore one question at a time.
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11 articles
Life doesn’t warn you
How can you plan life cover for an unpaid family carer?
Include unpaid caring work in life insurance planning without treating an estimate of family support as an automatically accepted insured amount.
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Reporting a death: who confirms the insurance document list?
Prepare a death claim under a Portuguese life insurance policy. Separate evidence of the death, beneficiary identification and documents requested for the particular case.
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After a death, how can you look for an unknown life policy?
Find a starting point for locating life insurance after a death in Portugal, and separate the policy search from a request for payment.
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Two people on life insurance: is each insured for the same share?
Two insured people on mortgage life insurance in Portugal: check each person's share, insured amount, benefits and beneficiaries.
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Level or decreasing life cover: which need should it follow?
Compare the sum insured’s evolution with the purpose and duration of protection without predicting payment or selecting a default option.
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Disability cover: why an abbreviation is not enough
Compare contractual disability definitions, requirements, limits and exclusions without treating an abbreviation or percentage as an eligibility decision.
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Mortgage life insurance: which sum insured is actually recorded?
Organise current loan and insurance documents to clarify the recorded sum insured and update procedure, without promising premium savings.
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Which household expenses would continue if an income were missing?
Prepare a life insurance discussion using household expenses, commitments and time periods before considering sums insured and policy cover.
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Life insurance beneficiaries: what does the record actually say?
A family intention does not replace the beneficiary designation recorded for life insurance. Prepare a private review and distinguish requested from confirmed changes.
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Life insurance: does every cover end on the same date?
A policy may continue while a disability benefit ends or changes. Check a current contractual example and prepare questions about each separate cover.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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