Life Insurance
Protect the people who share your home plans. Explore the cover, compare your mortgage's total cost and decide with clear information.
Mortgage life insurance
When arranging or reviewing a mortgage, it is worth considering life insurance and home insurance together. They address different risks and should suit your family, your property and the lender's requirements.
Mortgage life insurance pays the sum insured in the event of death or the disability covered by your policy. Depending on the option and applicable terms, the sum insured may be set with or without updates linked to the mortgage. We review the amount, beneficiaries and lender requirements with you.
We can also propose home insurance, considering the building, contents and suitable additional cover. This lets you assess both policies together while understanding what each one actually covers.
Explore home insurance →The medical assessment may be completed through a digital questionnaire or telephone interview. These thresholds take into account the insured person's total cover with the insurer; acceptance and any additional requirements depend on the risk assessment.
The premium depends on age, the sum insured and the cover selected. We can prepare a quote to compare this option with the bank's proposed policy and assess the overall cost in your case.
Through the bank or elsewhere?
A bank may link a lower mortgage spread to taking out or keeping certain insurance policies. If you choose another insurer, the effect on your mortgage payment depends on your pre-contractual information (FINE) and loan agreement — it varies by case. Compare insurance premiums, any change in the spread, insured amounts, cover, exclusions and excesses before deciding.
Complete the Life insurance form and tell us you would like a mortgage life insurance quote. We will contact you to review your mortgage terms and, if you wish, your home insurance too, with no obligation.
Pedir simulação Vida Request a Life quoteCover, capital, limits, exclusions and acceptance conditions depend on the chosen solution, risk assessment and policy terms. This is general information and does not replace contractual documentation.