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Insurance
Life insurance

Life insurance: Less fear of the future, more plans for the present

Life is made of plans. But what if the unexpected knocks?

Protect your family, ensure debt repayment and guarantee financial stability in the event of unforeseen circumstances.

@lang('Mãe e filho a sorrir enquanto brincam juntos, transmitindo alegria e proteção familiar - conceito de segurança associado ao seguro de vida.')
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Want a small monthly payment with great coverage?

Protect those you love most with an affordable life insurance. Simulate now and secure your family's future without hassle.

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Why simulate your life insurance with us?

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Why take out 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.

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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
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What our clients say

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rui ribeiro

29 January 2026

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For personal and financial reasons, I turned to Poupança ao Minuto. My experience was one of complete help at every stage with immense dedication. The humanism shown to me was as if I were family. Whenever something was needed, I was guided precisely in obtaining the documentation. The professionalism of Dr. Joana Cândido is worthy of praise. I recommend Poupança ao Minuto to anyone looking for quick results. With all the affection in my heart, my sincere thanks to Dr. Joana Cândido for every step she took in my process. Rui Ribeiro
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R&R Party

30 June 2026

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We'd like to express our deepest gratitude to the outstanding professional Cátia Baleizão. We highly recommend her! The process was always handled with the utmost professionalism, seeking the best possible conditions for the client! We even had the pleasure of meeting Cátia on the day of the signing. If we need this type of service again, we will certainly speak with Cátia again. Thank you very much and best wishes both personally and professionally ✨
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Tony Santos

29 June 2026

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I am writing to express my sincere praise for Ms. Joana Cândido's prompt response to my request; everything was ready in just 48 hours. Ms. Joana has no idea how much she saved me during this difficult time in my life. With one of my daughters hospitalized and me lacking resources, Ms. Joana was a small light in my darkness. I can never thank her enough for her dedication to my case. Thank you very much, Ms. Joana Cândido.
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henrique gonçalves

25 June 2026

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I want to express my deepest gratitude to the Poupança no Minuto team for the professionalism and availability shown throughout the entire process. Director João Lemos demonstrated extraordinary commitment, always attentive to defending my interests with persistence and always presenting the best possible solution. His financial and banking experience, seriousness, and leadership skills made all the difference. I recommend Poupança no Minuto without any reservation. An excellent service, provided by people who truly understand what it's like to be on the ground.

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— Personalised solutions for your goals

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Insurance

Insurance life

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

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Insurance credit life

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

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Insurance health

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

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Insurance personal accidents

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

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Insurance multirisk

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

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@lang('Criança ruiva debaixo de um cobertor, com expressão serena - imagem que evoca proteção, tranquilidade e segurança familiar proporcionadas pelo seguro de vida.')

Less worries, more protection

It's not just about the end, but about taking care of yourself and those you love most. Insurance that fits real life - simple, accessible and designed with what matters most in mind.

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Frequently asked questions

Frequently asked questions about life insurance

Life insurance is a contract that guarantees financial compensation to your beneficiaries in the event of death or disability. This insurance provides security and stability to your family, protecting them from unexpected financial burdens.

Life insurance is designed to financially protect your family, ensuring that, in the event of death or disability, your loved ones will not have to bear debts or financial burdens, such as paying a home loan.

Anyone who has financial responsibilities, such as loans, dependants or family members in their care, should consider taking out life insurance. It is especially recommended for those with significant debts, such as a home loan, or for those who want to ensure their family's financial security.

Life insurance protects your family with financial compensation in the event of death or disability, regardless of whether you have debts. Credit life insurance is required by banks to guarantee that the outstanding amount will be paid if the borrower dies, preventing the family from inheriting that debt.

Life insurance is not required by law. However, many financial institutions require a life insurance policy associated with the home loan, as a way to guarantee payment of the outstanding amount in the event of death or disability.

The most common coverages in life insurance include: Death: Guarantees financial compensation to beneficiaries in the event of the insured's death. Total and Permanent Disability (ITP): Provides a payment if the insured becomes unable to work due to disability. Absolute and Definitive Disability (IAD): Guarantees compensation if the insured is in a situation of absolute incapacity for any paid activity.

The beneficiaries are the people or entities that the insured designates to receive financial compensation in the event of a claim. They can be close family members, such as spouses or children, or even a financial institution in the case of credit life insurance.

The value of life insurance depends on various factors, such as the age of the insured, the amount of coverage chosen, health status and the type of coverage. The higher the risk (for example, advanced age or health problems), the higher the premium.

Yes, it is possible to change the conditions of life insurance, such as the coverage amount or beneficiaries. However, any change must be negotiated with the insurer, and there may be adjustments to the premium.

If you miss a premium payment, the insurance contract may be suspended or cancelled, leaving you without coverage. It is important to ensure that payments are made regularly to keep the coverage active.

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