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.
50 articles
Life in the policy
Portuguese law allows one or more existing life policies as mortgage security if minimum requirements are met. Check the terms and distinguish the documents.
Read articleLife in the policy
Two names in a policy do not establish two independent protections after a payment. Current wording illustrates the effect on a joint-life contract.
Read articleRenew
Life insurance has specific non-payment and reinstatement rules in Portugal. Find the policy deadline and distinguish a late payment from confirmed protection.
Read articleConversations at home
The order of deaths and a waiver of the right to revoke may change the answer. Henrique and Clara explain what to check in an individual designation.
Read articleConversations at home
The policyholder dying differs from the insured person dying. Find the transfer clause and prepare a clear request to the insurer without assuming automatic succession.
Read articleLife in the policy
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.
Read articleConversations at home
Policyholder, insured person and beneficiary can have different roles. Read the proposal’s identities and understand when consent to cover the risk is required.
Read articleInsurance made simple
Article 190 distinguishes life insurance and later changes in health. Separate that rule from initial disclosure, supplementary covers and reporting a claim.
Read articleRenew
The effect depends on the insurance arrangement and why the loan ended. Distinguish full repayment, protection chosen to continue and a transfer to another bank.
Read articleLife in the policy
An age error has its own legal regime. Distinguish age outside underwriting limits from adjustments to the benefit or premium.
Read articleLife in the policy
Distinguish instructions before medical tests, access to results and their effect on the insurance decision. Prepare a clear request without sharing health information publicly.
Read articleConversations at home
Separate the death cover a lender may require from additional cover offered with different mortgage terms. Understand the 2026 rule and prepare your comparison.
Read articleLife in the policy
Portugal’s two-year life insurance rule has a specific scope. Distinguish negligence, intentional concealment and supplementary covers when reading a refusal.
Read articleLife in the policy
Found an incorrect answer in a life insurance application? Identify the correction, confirm receipt and clarify the decision before relying on cover.
Read articleInsurance made simple
Understand the general time limits, Portugal's 2026 reference table and the handling of protected health information when applying for credit-linked life insurance.
Read articleLife in the policy
Separate insured capital, mortgage debt and beneficiaries of any remainder. Use a worked example to prepare questions about mortgage life insurance.
Read articleInsurance made simple
Understand lump-sum critical-illness cover versus medical reimbursement. Compare the trigger, recipient and effect on the remaining life-insurance benefits.
Read articleLife in the policy
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.
Read articleConversations at home
Family assistance in life insurance does not settle every health expense. Compare actual services, charges and healthcare needs.
Read articleThe office at 6 pm
A business purpose needs a defined need and payment recipient. Read partnership arrangements and the life policy together before comparing insured amounts.
Read articleLife in the policy
A waiver may change who pays the premium without delivering cash to the insured person. Identify its trigger and the protection that remains afterwards.
Read articleConversations at home
Funeral arrangements and continuing family finances are distinct purposes. Compare services, payments and recipients instead of relying on product names.
Read articleLife doesn’t warn you
Compare lump sums and monthly benefits in life insurance: payment timing, duration and the needs of the family require separate questions.
Read articleInsurance made simple
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 articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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