YOUR INDEPENDENCE AND YOUR FAMILY, PROTECTED


TAKING CARE OF YOUR FAMILY MEANS THINKING ABOUT THE FUTURE


Protecting the people you love isn’t just about being there today; it’s also about ensuring that, even in the face of the unexpected, your family stays protected and financially secure.

For those who can't afford to wait


Financial stability for your family

Financial support during difficult times.

Maintaining the family's standard of living

This insurance helps cover everyday expenses.

Protection Tailored to Family Circumstances

Flexible capital and coverage

Long-term peace of mind

Protection that meets you through every stage of life.

Customizable protection

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

An added protection

An important part of a comprehensive financial security strategy.

What does the insurance cover?


Death

Payment of the contracted sum to the designated beneficiaries ensuring financial stability.

Absolute and Permanent Disability (IAD)

Coverage in the event of permanent disability that prevents you from performing day-to-day activities without the assistance of a third person

Total and Permanent Disability (ITP)

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

Health problems

Early payment upon 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 scope of coverage depends on the terms and definitions set forth in the policy.

background overlay

HOW DO YOU WANT TO PROTECT YOUR FAMILY?

The perfect 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 Consultant

You'll have an exclusive dedicated consultant to assist you and answer any questions you may have at anytime.
product-sec-6-icon-2

Assessment

We go through the best solutions available from our partner insurance companies.
product-sec-6-icon-3

Insurance Quote

We'll send you a detailed quote with the most advantageous and suitable options.
product-sec-6-icon-4

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


Is this insurance linked to a loan?
No. It's a standalone life insurance policy designed exclusively to protect you and your family.
Who is entitled to receive the insurance payout?
The beneficiaries are designated by the insured when the policy is purchased.
Can I adjust the insured sum 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 complement, reinforcing existing financial protection.

Get a quick quote!
No commitment required.