PARTICULARES

Life Insurance

Life insurance is an essential solution to guarantee your family's financial protection in the event of the unexpected, through covers such as death, disability, serious illness, accidents and even unemployment. It can include additional benefits such as support with medical expenses and compensation for incapacity for work.

Benefits

Discover the benefits for you and your family with our specialist advice.

Guaranteed capital in the event of death or disability

Immediate financial protection for your beneficiaries.

Additional cover

Critical illness, disability and unemployment, among others.

Plans tailored to each stage of life

From the start of your career to retirement.

We will find the best solution

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Personal Data Protection

Verspieren Portugal Corretores de Seguros, S.A., as data controller, collects the personal data contained in this form for the purposes of analysing the user's/client's needs, obtaining quotes from insurers, and preparing insurance simulations and proposals. The data may be shared with insurers and other entities strictly necessary to obtain the requested simulations and proposals. The data will be kept only for the period necessary for the purposes stated above or to comply with legal obligations. The data subject may exercise their rights of access, rectification, erasure, restriction of processing, objection and portability, by contacting: [email protected]. For more information, see our Privacy Policy.

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Any questions?

FAQ

Clear answers about the covers that protect you and your family, including key information, practical guidance and support to help you navigate your insurance choices.

What is life insurance for?

Life insurance guarantees a sum to the beneficiaries named in the policy in the event of death or disability of the insured, helping to protect the family financially or settle commitments such as a mortgage.

There are individual and group solutions, adjustable in terms of sum insured, duration and any additional cover required.

What is the difference between risk life insurance and capitalisation insurance?

Risk life insurance pays out a sum in the event of death or disability during the term of the contract and has no surrender value. Capitalisation products add a savings component to the cover, which can be surrendered.

We clarify which of these two approaches matches the goal you have in mind, because they are different products with different purposes.

Can life insurance linked to a mortgage be changed?

Yes. The insurance required by the bank does not have to be taken out with that institution, and can be replaced by another policy with equivalent or better cover.

We review the policy in force and present alternatives with the same cover, indicating what is needed for the transfer.

Do I need to have medical tests to take out cover?

It depends on the sum insured and your age. Lower sums insured are usually resolved with a health declaration; above certain limits the insurer requests additional tests.

We tell you in advance what each insurer requires, so you know what to expect before going ahead.

These solutions are backed by a specialised team, international experience and a personalised service, ensuring security and peace of mind in every situation.
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