YOUR INDEPENDENCE AND YOUR FAMILY, PROTECTED


TAKING CARE OF YOUR FAMILY MEANS THINKING BEYOND THE PRESENT


Protecting the people you love isn't just about being there for them today, but about ensuring that, even in the face of the unexpected, your family remains protected and has the means to maintain financial stability and pursue their life goals.

For those who don't want to wait


Financial security for family members

Financial support during difficult times.

Maintaining the family's standard of living

It helps cover everyday expenses.

Protection Tailored to Family Circumstances

Capital and flexible coverage.

Long-term peace of mind

Protection that accompanies you through the different stages of life.

Flexibility in Hiring

Solutions that can be customized to meet your goals and budget.

Supplement to other personal protective equipment

It is part of a comprehensive financial security strategy.

What is covered?


Death

Payment of a lump sum to the designated beneficiaries to ensure financial stability.

Absolute and Permanent Disability (IAD)

Coverage in the event of permanent disability that prevents the insured from performing any activity and requires assistance from others for the normal activities of daily living.

Total and Permanent Disability (ITP)

Coverage in situations where the insured becomes totally and permanently unable to perform his or her professional occupation or any other occupation compatible with his or her knowledge and experience.

Serious illnesses

Early payment of the insurance benefit in the event of a diagnosis of certain serious illnesses.

Death or Disability Due to an Accident

The insured amount is doubled in the event of an accident.

Applicable Terms and Conditions

The actual coverage depends on the terms of the policy and the definitions set forth in the policy.

background overlay

HOW DO YOU WANT TO PROTECT YOUR FAMILY?

Family Protection life insurance is tailored to your age, family situation, and financial goals, ensuring adequate support in the event of serious unforeseen circumstances, such as serious illness, disability, or even death.

How can we help?

product-sec-6-icon-1

Dedicated Account Manager

We provide a dedicated consultant to assist you and answer your questions whenever you need it
product-sec-6-icon-2

Evaluation

We analyze the best solution for you from among the offers available from our partner insurance companies
product-sec-6-icon-3

Simulation

We have sent you a detailed simulation showing the most advantageous and suitable options
product-sec-6-icon-4

Subscription

We guide you through the entire process, from start to finish, with your insurance

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

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


Is this insurance linked to a loan?
No. It's a standalone insurance policy designed exclusively to protect the family.
Who receives the insurance payout?
The beneficiaries are designated by the insured at the time the policy is purchased.
Can I adjust the principal amount over time?
Yes—your insurance can be reviewed and adjusted as your family situation changes.
Does this insurance replace other forms of social assistance?
No. It serves as a supplement, reinforcing existing financial protection.

Try it here!
Quick and with no obligation