PROTECT YOUR INCOME WHEN YOU NEED IT MOST


WHEN INCOME STOPS, EXPENSES CONTINUE


Household income, loan payments, bills, and family expenses don’t wait. Having income protection means ensuring you have the time, peace of mind, and financial flexibility to weather difficult times without putting everything at risk.

For those who don't want to wait


Monthly financial support

It provides an income during periods of disability or absence from work.

Coverage designed for self-employed workers

Ideal for ENI, independent professionals, and service providers.

Coverage in unforeseen situations

Such as illness, accident, or involuntary unemployment, as specified in the contract.

Social Security Supplement

It supplements public support that may be insufficient or nonexistent.

Greater financial predictability

It helps you meet your monthly commitments.

Peace of mind to recover or reorganize operations

Less financial pressure during critical moments.

What is covered?


Temporary inability to work

Situations in which illness or an accident prevents a person from performing their job.

Involuntary unemployment

Financial assistance in the event of involuntary termination of employment, when included.

Payment of a periodic income

Monthly amount specified in the contract, during the coverage period.

Waiting Period and Deductible

Initial term and waiting period before payments begin, as agreed upon.

Limited duration of support

Payment is made over a predetermined period.

Additional options

The ability to adjust coverage amounts and duration to match the insured’s profile.

Applicable Terms and Conditions

The actual coverage depends on the terms of the policy, your employment status, and the criteria specified in the policy.

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HOW DO YOU WANT TO PROTECT YOUR INCOME?

Income protection insurance is tailored to your profession, your reported income, and the level of coverage you wish to have in case of an unforeseen event.

How can we help?

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Dedicated Account Manager

We provide a dedicated consultant to assist you and answer your questions whenever you need it
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Evaluation

We analyze the best solution for you from among the offers available from our partner insurance companies
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Simulation

We have sent you a detailed simulation showing the most advantageous and suitable options
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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.

Ana Rita Fernandes

Venho por este meio manifestar o meu apreço pelo profissionalismo e qualidade do atendimento prestado pela vossa colaboradora Carla Aires.

Destaco a sua disponibilidade, eficiência e clareza na comunicação, que contribuíram para uma experiência muito positiva.

Cumprimentos
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 suitable for self-employed individuals?
Yes. This is especially important for those who lack protection in the event of unemployment or long-term disability.
Does insurance replace Social Security?
No. It serves as a supplement, reinforcing existing financial protection.
Is the amount of the income fixed?
It is determined at the time of enrollment, based on the insured person's income and needs.
How long until payments start?
It depends on the grace period and deductible specified in the contract.

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