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+351 211 453 334
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Monday to Friday, from 9am to 7pm.
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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Life
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Why simulate your life insurance with us?

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We compare different policies from various insurers to find the best one for you.
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Why take out life insurance

1
2
3
4
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

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Google Reviews
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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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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.

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.

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House icon with a verification shield, symbolising housing credit protection with secure guarantee
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For those who want to always be prepared and count on support at the right moments.

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Insurance multirisk

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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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