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Credit intermediary no. 0006860
Credit intermediary no. 0006860
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+351 211 453 334
Monday to Friday, from 9am to 7pm.
WhatsApp
Call an agent
Monday to Friday, from 9am to 7pm.
Insurance
Credit life

Credit Life Insurance: Less fine print, more guaranteed protection

The security of your credit that doesn't strain your budget

Spare your family from debts and worries: Ensure credit payment in case of unforeseen events with an accessible insurance tailored to your pocket.

@lang('Homem reformado revê documentos com atenção, simbolizando a importância de garantir segurança financeira com um seguro de vida associado ao crédito.')
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Want to protect your family's future at the best price?

Ensure the payment of your home loan and protect your family's financial stability, no matter what happens.

House
Simulator
Credit Life
House

Why simulate your credit life insurance with us?

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— Save more by saving here

Save time!
We choose the best insurance for your situation, to save you money and time.
Save effort!
We compare different policies from various insurers to find the best one for you.
Save money!
We find the best offers and guarantee the ideal coverage at the best value.
Save anxiety!
We support you at every stage, from choosing your insurance to managing claims.
save without paying anything for it
Simulate

Why take out a Credit Life Insurance?

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1

Family protection

Guarantees financial security in case of unforeseen events, protecting daily expenses and the future.

2

Debt coverage

In the event of death, the insurance covers debts, sparing the family from financial burdens.

3

Financial security

Offers stability in unexpected situations, such as accidents or serious illnesses.

4

Savings and investment

Some function as savings or investment, helping to build capital over time.

Comparison

Life insurance vs. Credit life insurance:

Different characteristics, but the same purpose: Saving you from financial worries and ensuring the security that you and your family need.

Simulate insurance
Life insurance Credit life insurance
Objective Protect the financial stability of the family Ensure credit payment (e.g.: housing)
Insurance capital coverage Protects the family in case of death or disability Covers the credit amount in case of death or disability
Insurance capital value Fixed and unchanged over time Decreasing, linked to the value of the debt
Requirement Voluntary, according to the family's needs Generally mandatory when taking out a housing credit
Tax benefits Tax benefits in some cases No tax benefits
Protection Guarantees long-term financial protection Protects debt payment and the home
Flexibility Can be adjusted according to needs Adapted to the loan amount to be paid
Reviews

What our clients say

Google Reviews
5.0
Star Star Star Star Star
Google Reviews
5.0
Star Star Star Star Star
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Marco Emídio

08 November 2024

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Star Star Star Star Star
I would like to highlight the help and availability of Cátia Baleizão, who assisted us in changing our credit in a simple and quick way. Thank you.
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Marcos FM

14 October 2024

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Star Star Star Star Star
João Lemos: Excellent professional financial advice. Credible, reliable and effective in helping me to secure the best mortgage rate and transfer from previous contract and bank. In depth knowledge of the law, regulations and procedures, as well as great connections with managers in many different banks. All services provided online. Whenever I had to go in person to the bank and land registry’s office, I had the option to choose dates and times that were suitable to me. At my arrival in both places, people were ready and waiting for me. I never had to make a single phone call or book anything myself. In a country foreign to me, which I find quite bureaucratic at times , simply superb service!
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Janine Langeveld

27 September 2024

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Star Star Star Star Star
João Lemos, my financial advisor from "Poupança no Minuto," was a lifesaver during the process of buying my first apartment in Portugal. João’s charm, efficiency, and industry expertise truly made a world of difference! With five years of living in Portugal and some real estate experience in the Netherlands, I thought I knew the ropes. However, João’s guidance was exceptional. He ensured the process was fast and seamless, leaving no detail overlooked. João's extensive financial knowledge and strong connections within the banks helped me secure the best mortgage deal quickly, easing a typically stressful part of the process. His proactive approach and dedication made me feel like I was always his top priority, despite his many other projects. Not only did João provide top-notch financial advice, but he also offered tremendous support during the stressful moments. His deep understanding of the process, fluent English, and amazing social skills are invaluable. João, I couldn’t have done this without you! Thanks a million!!
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Petra Sundell

08 January 2024

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Star Star Star Star Star
I've worked with Joao Lemos for a while now, and he has been outstanding in his work and support. He has been a cornerstone in the processes of helping me getting a mortgage, and honestly I couldn't have done it without him. Joao truly cares about his clients, and he'll go the extra mile to make sure you get support you need. I couldn't be happier to recommend Joao if you're looking for a trustworthy partner for your financial needs in Portugal.
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cheryl menezes

18 November 2024

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Star Star Star Star Star
“We cannot recommend Joao highly enough! From the very beginning, he made the complex process of securing a house mortgage feel smooth and stress-free. His expertise, professionalism, and genuine care for our needs stood out at every step. Joao took the time to understand our unique situation, patiently explained every detail, and always kept us informed. His proactive approach and dedication ensured that we secured the best possible deal in a timely manner. What truly sets him apart is his friendly demeanor and commitment to making his clients feel valued and supported throughout the process. Thanks to him we are now proud homeowners in Portugal and we couldn’t have done it without him.
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Diogo Santos

08 November 2024

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Star Star Star Star Star
Pedro Jorge: the professional advisor that accompanied my entire house purchasing process. The bank loan simulations, proposal, credit approval, and finally the house deed. From the start, he demonstrated great knowledge and financial skills, complemented by his vast connections in the area, which sped up the process by a lot. When I was contacted by him, I had already received proposals from 3 other credit intermediary firms, and yet he was still able to get credit pre-approved before all of them, despite the fact the other firms had weeks of head start over him. He showed me how he performed the simulations, and the analysis that he went through in order to choose the right bank for me. This transparency convinced me he was the right person to counsel me. I was also quite captivated by his humility, even though he was clearly in a league above the rest. I 100% recommend him.
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Davi Dos Anjos

08 November 2024

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Star Star Star Star Star
The service is of great quality, with support throughout the process from start to finish. I received excellent guidance and a very satisfactory result with my financing. Thank you very much Poupança ao Minuto and consultant João Lemos, who was very attentive and professional.
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André Couto

21 December 2023

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Star Star Star Star Star
I would like to thank you in advance for all the attention and time spent dealing with my situation. A truly reliable and valuable company that cares about its customers. I especially thank your colleague Cátia Baleizão, who has been with me from the very first minute, for all the professionalism, patience, and concern she demonstrated in helping. A big thank you and best wishes.
@lang('Casal a dançar descontraidamente em casa, ilustrando liberdade e tranquilidade proporcionadas pela proteção do seguro de vida crédito.')

How we helped Mafalda and Rita save on their credit life insurance

With our help, Mafalda and Rita found the ideal life insurance solution associated with the credit, transferring the current insurance to another insurer and starting to save every month.

Simulate insurance now
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1

Identifying the problem

Mafalda and Rita were paying too much for their credit life insurance and began to realise it was possible to pay much less.

2

The initial situation

Their insurance was taken out with the bank's partner insurer, at a high cost of €137.8 per month (€1,653.64 per year) with Total and Permanent Disability (IAD) coverage.

3

The solution found

With Poupança no Minuto's services, the insurance was transferred to another insurer, guaranteeing broader coverage – Total and Permanent Disability – for a much lower amount: €22.26 per month (€267.12 per year).

4

The impact of the savings

The change resulted in savings of €1,386.52 per year and €115.54 per month for Mafalda and Rita, proving that making smart financial choices can generate great benefits.

💸

All this, at no cost

Save with the right insurance

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— Personalised solutions for your goals

Purple heart icon with a bandage, representing emotional and financial protection for the family.
Insurance

Insurance life

For those who want to protect the family's future and ensure peace of mind in the present.

Simulate
House icon with a verification shield, symbolising housing credit protection with secure guarantee
Insurance

Insurance credit life

For those with a housing credit who want to ensure home protection - and peace of mind day to day.

Simulate
Medical care icon with pills and a cross, representing access to quality healthcare at low cost.
Insurance

Insurance health

For those who value quality healthcare at the best price - without surprises at the end of the month.

Simulate
Purple wheelchair icon, representing protection in the event of an accident or temporary disability.
Insurance

Insurance personal accidents

For those who want to always be prepared and count on support at the right moments.

Simulate
Purple drill icon, representing home emergencies and the importance of multirisk insurance to protect the property.
Insurance

Insurance multirisk

For those who want to keep their home protected against any unforeseen event and avoid headaches.

Simulate
@lang('Pais com filha pequena a sorrir, representando o bem-estar e a proteção familiar garantidos por um seguro de vida associado ao crédito.')

Less complications, more savings

Here, the focus is simple: protect your credit and ensure the security of your family — with an accessible credit life insurance tailored to you. Find the right option for you, at the best price.

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Frequently asked questions

Frequently asked questions about credit life insurance

Mortgage life insurance is an insurance policy associated with a home loan, whose main objective is to guarantee the payment of the debt to the bank in the event of death or disability of the loan holders. This insurance is often required by lenders to ensure that the outstanding amount will be settled in the event of a claim.

Yes, you can transfer your mortgage life insurance to another institution with more advantageous conditions. This change may affect the spread on your home loan, as the initial interest conditions may be linked to subscribing to products such as life insurance. Consult a Poupança no Minuto agent to find out if the change can be beneficial for you.

There is no life insurance policy that is best for everyone. The choice depends on your needs, the desired coverages and your personal situation. Poupança no Minuto agents can help compare different options on the market and negotiate the best solution for you.

Yes, it is possible to take out life insurance online. You can start by running simulations on insurer websites, filling in the required data. After the simulations, you can choose the most suitable proposal and proceed with taking out the insurance. The process includes the digital signing of the contract and payment, which can be made by bank transfer, credit card or ATM reference.

According to the Insurance and Pension Funds Supervisory Authority (ASF), the insurance required to start a business depends on the activity. However, the most common include: Workers' accident insurance: Mandatory for all workers, including self-employed; Car insurance: Mandatory if the company owns vehicles; Personal accident insurance: Mandatory for activities such as nurseries, tourist entertainment companies, among others; Civil liability insurance: Mandatory for industrial activities and others involving direct contact with third parties; Fire insurance: Mandatory for companies owning property in horizontal ownership, often integrated into multi-risk insurance.

The main difference between life insurance and health insurance lies in the coverages offered. Life insurance covers events such as death and disability, guaranteeing financial compensation to beneficiaries. Health insurance covers medical expenses, such as consultations, tests and hospitalisations.

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Talk to an agent now

Want to know more? Talk to one of our agents to clarify any doubts and discover the perfect solution for you.

+351 211 453 334
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