RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about life. Choose an editorial series and explore one question at a time.
13 articles
Life in the policy
A policy can have worldwide scope and separate rules for moving residence abroad. Check the relevant clauses and confirmations before the move.
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Portuguese law allows one or more existing life policies as mortgage security if minimum requirements are met. Check the terms and distinguish the documents.
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Two names in a policy do not establish two independent protections after a payment. Current wording illustrates the effect on a joint-life contract.
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Separate claim notification from the limitation period for a benefit. An open file or an email alone does not establish that every deadline has been preserved.
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An age error has its own legal regime. Distinguish age outside underwriting limits from adjustments to the benefit or premium.
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Distinguish instructions before medical tests, access to results and their effect on the insurance decision. Prepare a clear request without sharing health information publicly.
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Portugal’s two-year life insurance rule has a specific scope. Distinguish negligence, intentional concealment and supplementary covers when reading a refusal.
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Found an incorrect answer in a life insurance application? Identify the correction, confirm receipt and clarify the decision before relying on cover.
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Separate insured capital, mortgage debt and beneficiaries of any remainder. Use a worked example to prepare questions about mortgage life insurance.
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Portugal's AMIM certifies a degree of disability, while an insurance disability claim requires assessment of the cover. Organise documents and questions before assuming an outcome.
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A waiver may change who pays the premium without delivering cash to the insured person. Identify its trigger and the protection that remains afterwards.
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Read the life underwriting response alongside the original proposal. Clarify premium, exclusions, benefit and start date before deciding.
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Sick leave and permanent disability involve different insurance questions. Check temporary incapacity and disability terms in Portuguese life policies.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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