PROTECT YOUR EMPLOYEES AND THEIR FAMILIES


TAKING CARE OF EMPLOYEES MEANS TAKING CARE OF THE COMPANY'S FUTURE


Offering group life insurance is more than just a benefit: it’s a clear sign that the company values the emotional and financial stability of its team and their families, allowing them to live with greater peace of mind even in difficult times.

For those who can't afford to wait


Financial support for beneficiaries

It guarantees the payment of a lump sum in the event of the employee's death or disability.

Coverage for serious illnesses

Option for advance coverage in the event of a diagnosis of a critical illness, as specified in the policy.

Comprehensive Family Protection

A healthcare solution for everyone at home.

Improvements to the company's benefits package

Group insurance is a benefit that employees value.

Enhancing the company's reputation

It reinforces the company's image as a socially responsible organization.

Simple, centralized management

A single policy to protect all members of the group.

Potential Tax Benefits

In many cases, premiums may be considered deductible expenses (subject to applicable laws and tax regulations).

What does the insurance cover?


Death of an employee

Payment of a lump-sum amount to beneficiaries designated by the company or by the employee.

Permanent Total Disability (PTD)

Compensation in cases where an employee becomes permanently unable to perform any professional activity.

Absolute and Permanent Disability (IAD)

Payment of a lump sum in cases of severe disability requiring ongoing care.

Health problems

Possibility of advance financial assistance in the event of a diagnosis of certain illnesses (when included in the policy).

Optional coverage

Option to include additional safeguards tailored to the company's needs.

Applicable Conditions:

The specific coverage depends on the terms agreed upon between the company and the insurance provider.

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HOW DO YOU WANT TO PROTECT YOUR TEAM?

Group life insurance for companies is tailored to the number of employees, the company’s profile, and the defined coverage, ensuring a collective benefit that provides security and support in times of adversity.

How can we help?

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Dedicated Consultant

You'll have an exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
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Assessment

We go through the best solutions available from our partner insurance companies.
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Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
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Subscription

We help you through the entire process, from start to finish.

THE STARS SPEAK FOR THEMSELVES.
AND OUR CUSTOMERS SPEAK FOR US.

Paulo Jorge Ribeiro

From our first contact all the way through to signing the policies, Mr. Pedro Marques handled the entire process with the utmost professionalism. It was the first time in my life that I received a “personalized” proposal. It’s worth discussing. I recommend him to my friends.

Ana Rita Fernandes

I would like to take this opportunity to express my appreciation for the professionalism and quality of service provided by your employee, Carla Aires.

I would like to highlight your responsiveness, efficiency, and clear communication, which contributed to a very positive experience.

Best regards
Ana Rita Fernandes

Victor Sambo

very good

Ernesto Dias

An extremely competent professional. I switched my home insurance without having to worry about the red tape involved. I’m satisfied not only because I was able to significantly lower my insurance premium, but also because of the professionalism, care, and competence shown in guiding me through the entire process.
I highly recommend Mr. Klycharlles Barners.

Carla Bom

I’m giving a 10-star recommendation for the service I’ve received from Klycharlles Barners and EXS SEGUROS. I’ve been a client for several years, with various types of insurance policies, and I’ll continue to purchase all my insurance through him. He is a highly competent professional who is always available, demonstrates deep knowledge of the insurance field, consistently presents the solutions best suited to the client’s needs, and, above all, inspires confidence in the service he provides. I highly recommend him!!!

Hugo Conceição

Klycharlles Barners 5*

Carla Santos

I highly recommend the services of EXS Seguros. They are extremely competent and dedicated professionals who are always available to answer any questions. They demonstrate a deep understanding of the insurance industry and consistently provide solutions best suited to the client’s needs. Their ethical approach and professionalism inspire confidence and reassurance. Without a doubt, an excellent insurance agent.

Jorge Silva

Kly is an excellent professional—someone who, within the company, followed up on my cases (mine and my wife’s) and went from being an employee to a friend, even though we’ve only ever spoken on the phone. I highly recommend him, as he is competent, trustworthy, and reliable—qualities that are hard to find these days. Congratulations to the company for having a professional like him.

Nuno Gomes

I’ve been a client of the company for almost 3 years, and I’ve always worked with Clycharlles Barners to handle my needs. The support provided has been excellent. Clycharlles has always demonstrated great professionalism, competence, and complete transparency in all the information provided. He is clear, approachable, and inspires confidence. I am very satisfied with the service provided. Keep up the good work.

Rafael Castro

Highly recommended. Awesome service, efficient and clear communication, and the best prices. Andreia Jacques was our dedicated agent, and we couldn’t be happier with her service. She made us feel like we were her only client and her top priority.

Find the answers to your questions


Is group life insurance mandatory?
No, but it's a clear and direct benefit for the employee and a tax-deductible expense for the company.
Who is eligible for this insurance?
Company employees under a contractual relationship, which may include partners and, in certain cases, family members as defined in the policy.
Do the beneficiaries receive the funds directly?
Yes—in the event of a claim, the amount is paid in accordance with the policy terms and the designated beneficiaries.
Can a company set different capital amounts?
Yes—the company and the insurance provider can agree on different coverage amounts and terms depending on the profile of each group of employees.

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