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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Insurance made simple
Updated life cover: should the premium change by the same percentage?
Do not automatically apply a change in insured capital to the price of life cover. Separate the amounts and pricing factors in the quotation.
Read articleRenew
Your occupation changed: which part of life cover needs review?
Describe the actual duties of a new occupation and clarify their relationship with existing life and disability benefits.
Read articleRenew
Does a life premium change simply because another year has passed?
Read a life renewal by separating age, insured amount and benefit changes instead of attributing the whole difference to one factor.
Read articleThe office at 6 pm
Company life insurance: who needs access to health information?
Separate administration of group life enrolment from clinical information requested by the insurer.
Read articleConversations at home
Life cover for children's education: which costs are you planning for?
Turn an education objective into specific expenses, a timeframe and a suitable way of receiving the insurance benefit.
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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.
Read articleInsurance made simple
Funeral advance: is it separate from the life insurance benefit?
D. Graça and Clara separate additional capital, advances and reimbursement for funeral expenses, without assuming cover exists or cash is already available.
Read articleRenew
Are initial withdrawal rights and annual renewal the same thing?
Distinguish initial withdrawal rights from termination at renewal. Check dates, communication requirements and the actual contractual circumstances.
Read articleThe office at 6 pm
Salary-linked group life cover: do bonuses and variable pay count?
Turn an expression such as twenty-four salaries into a checkable definition: pay base, multiplier, reference date and sum insured for each person.
Read articleLife in the policy
Acceptance arrived on different terms: what should you compare?
Read the life underwriting response alongside the original proposal. Clarify premium, exclusions, benefit and start date before deciding.
Read articleConversations at home
Death benefit and inheritance: do they necessarily follow the same process?
Identifying a life insurance beneficiary requires its own assessment. Do not allocate the benefit simply by copying the estate’s list of assets.
Read articleConversations at home
Changing a life beneficiary: is the designation irrevocable?
Before changing a life beneficiary, check the existing designation, required approvals and confirmation of the policy amendment.
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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.
Read articleInsurance made simple
Does pure-risk life insurance return money at the end?
Distinguish temporary death cover, mixed life insurance and savings. Premiums paid are not automatically an account available at maturity.
Read articleRenew
Leaving your employer: what happens to group life insurance?
Leaving employment, exclusion from enrolment and ending a group contract are different events. Check the procedure and any continuation provided by the contract.
Read articleThe office at 6 pm
Who is the key person's life insurance intended to protect?
Prepare a key person life insurance enquiry: business purpose, critical responsibilities, the amount to assess and the intended beneficiary.
Read articleLife in the policy
Does being on sick leave mean life insurance pays?
Sick leave and permanent disability involve different insurance questions. Check temporary incapacity and disability terms in Portuguese life policies.
Read articleConversations at home
Death and accidental death: are you comparing the same benefit?
Read Portuguese life quotations without confusing death cover with additional accident benefits. Compare equivalent situations and their conditions.
Read articleLife doesn’t warn you
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.
Read articleLife doesn’t warn you
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.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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