PAYING FOR YOUR HOME WITH CONFIDENCE. A MORE PEACEFUL LIFE


SECURITY FOR THE FUTURE, PEACE OF MIND IN THE PRESENT


Taking out a mortgage is a major life decision. Mortgage life insurance helps ensure that your mortgage payments are covered in the event of serious unforeseen circumstances, protecting your family’s financial stability.

For those who can't afford to wait


Household Protection

It prevents the burden of the debt from falling on those who remain.

Loan Collateral

It helps settle or pay off the loan in the event of a claim.

Financial peace of mind

It eases worries during difficult times.

Adjusted to the credit amount

The insured amount corresponds to the outstanding balance.

Customizable protection

Solutions tailored to the insured person's age, term, and profile.

An added protection

An important part of a comprehensive financial security strategy.

What does the insurance cover?


Death

Payment of the insurance proceeds to settle or pay down a mortgage.

Total and Permanent Disability (ITP)

Coverage in the event you become totally and permanently unable to perform your own occupation or any other occupation compatible with your knowledge and experience.

Absolute and Permanent Disability (IAD)

Coverage in the event of permanent disability that prevents the insured from performing any work and requires assistance from others for the normal activities of daily living. Supplementary Coverage – Option to include additional coverage.

Applicable Terms and Conditions

The actual coverage depends on the terms of the policy, the definition of disability set forth in the policy, and the applicable medical and legal criteria.

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HOW DO YOU WANT TO PROTECT YOUR MORTGAGE?

Mortgage life insurance is tailored to the loan amount, the term, and the insured’s profile; it can be purchased outside the bank and maintained for the entire duration of the loan.

How can we help?

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Dedicated Consultant

You'll have na 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.

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.

Gustavo Gonçalves

I recently had the pleasure of working with Klycharlles Barners at EXS on my personal insurance, and I can’t recommend him highly enough. Thank you, Charles.

Find the answers to your questions


Why Get Life Insurance with a Mortgage?
Life insurance guarantees the repayment of the outstanding balance on a mortgage in the event of death or disability, whether due to an accident or illness.
Is being disabled enough to have the loan paid off?
Death coverage guarantees repayment of the loan; however, in the event of disability, coverage depends on the policy purchased, and there are generally two options: IAD or ITP. IAD - Absolute and Permanent Disability or ITP = Total and Permanent Disability (or IDPAC = Permanent Disability for Compatible Activity). IAD offers the least protection, since the loan will only be paid off in the event of disability if the insured person becomes dependent on a third party to perform daily activities—in other words, they must be in a state close to a vegetative state.
ITP is the most comprehensive plan because, in addition to providing IAD coverage, it includes a supplement for professional activity that ensures that, if the insured person meets the following conditions, the outstanding balance will be paid off:
n1. Permanent and irreversible inability to perform professional work consistent with one’s skills and knowledge
n2. Disability rating greater than X%, ranging from 75% to 60%, according to the national disability rating table.
Price or coverage: Which is better for me?
The most economical solution isn't always the best option. For some people, it makes sense to pay a little more to get better guarantees. Others just want to pay the minimum amount possible—as long as the bank accepts it! Our team helps you understand your needs and offers a solution tailored to you.
Does insurance go up every year?
It depends. The insurance premium is calculated annually based on your age and the outstanding loan balance. We recommend choosing the best life insurance plan to keep until the loan is paid off. The cheapest option in the first year isn’t always the best. That’s why we always analyze how the total amount payable changes over the entire term of the contract to ensure you choose the right insurer for you!

Get a quick quote!
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