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.
8 articles
Insurance made simple
A life policy may provide for a third doctor or medical board when assessments differ. Read a specific example covering selection and allocation of costs.
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Article 190 distinguishes life insurance and later changes in health. Separate that rule from initial disclosure, supplementary covers and reporting a claim.
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Understand the general time limits, Portugal's 2026 reference table and the handling of protected health information when applying for credit-linked life insurance.
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Understand lump-sum critical-illness cover versus medical reimbursement. Compare the trigger, recipient and effect on the remaining life-insurance benefits.
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Do not automatically apply a change in insured capital to the price of life cover. Separate the amounts and pricing factors in the quotation.
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D. Graça and Clara separate additional capital, advances and reimbursement for funeral expenses, without assuming cover exists or cash is already available.
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Distinguish temporary death cover, mixed life insurance and savings. Premiums paid are not automatically an account available at maturity.
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Learn to compare the sum insured, disability cover, exclusions and overall cost of mortgage life insurance before replacing the policy.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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