RMACHADO GROUPINSURANCE INTERMEDIARYRMACHADO GROUP · THE MAGAZINE
The answers you are looking for about savings and investment. Choose an editorial series and explore one question at a time.
14 articles
Insurance made simple
In a Portuguese capitalisation operation, the subscriber's position passes to successors while the contract retains its maturity. Distinguish this from life insurance and surrender.
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Under the general regime, using a PPR to pay instalments requires checking the loan, contribution dates and evidence. Do not confuse this with early capital repayment.
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A formal transfer runs between providers and carries contribution history. Check the distinction between transfer, withdrawal and a new contribution.
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A partial surrender needs separate checks on the amount withdrawn, net proceeds and what remains in each objective or option. Prepare the questions before deciding.
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The summary risk indicator is a category, not a maximum-loss percentage. Read the number with its warnings, holding period and exact investment option.
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An ESG reference does not establish EU Taxonomy alignment. Prepare the documents and questions needed to compare an insurance-based investment product.
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Understand why advice on insurance-based investments separates risk tolerance from financial loss capacity. Prepare objectives, commitments and questions.
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Separate invested money from gain when reading an insurance surrender calculation. Check the applicable tax treatment and why duration alone is insufficient.
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Separate entry, ongoing and exit costs in insurance investments. See a compounding example with clear assumptions and no return promises.
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Distinguish units, prices, contributions and surrender value in unit-linked insurance. A simple example helps read a statement without predicting returns.
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A practical route through the Key Information Document: product, risk, costs and early exit, with questions for comparing insurance investments in Portugal.
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Distinguish profit-participation information, available proceeds and completed payment in an insurance savings review.
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Surrender and reduction have different effects in life insurance. Identify the operation, the objective concerned and current terms before deciding.
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Read the timing, basis and limits of a guarantee and clarify surrender terms in an insurance-based investment product, without investment recommendations.
Read articleInformation to help you understand insurance. Conditions and acceptance depend on each contract.
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