{"id":1561,"date":"2023-06-22T11:43:04","date_gmt":"2023-06-22T11:43:04","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1561"},"modified":"2026-06-26T14:35:47","modified_gmt":"2026-06-26T14:35:47","slug":"5-steps-to-transfer-your-mortgage-life-insurance","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/5-steps-to-transfer-your-mortgage-life-insurance\/","title":{"rendered":"5 Steps to Transfer Your Mortgage Life Insurance"},"content":{"rendered":"

O\u00a0Decree-Law No. 222\/2009<\/a>\u00a0It has brought about significant changes for policyholders of this type of insurance. For example, Article 4 provides for the possibility of switching plans during the term of the contract. Consequently, consumers can choose a company that offers them better terms, even after the financing has begun.<\/p>\n

To transfer a life insurance policy:<\/p>\n

Step 1: Check the bank's terms and conditions in the loan agreement<\/strong><\/p>\n

Some contracts may impose a spread penalty if the insurance policy is transferred\u2014which is generally worth it. In other contracts, it is clear that it is not mandatory to purchase the policy from the company affiliated with the bank (and, therefore, there is no spread penalty).<\/p>\n

On the other hand, there are contracts that require you to subscribe to a certain number of products with the bank, such as retirement savings plans (PPRs) and credit cards. That\u2019s why you can sign up for one of these products\u2014if you don\u2019t already have it with the bank\u2014to exchange it for life insurance and maintain the same terms.<\/p>\n

However, if you switch to the group plan and don't have enough products, you'll incur a penalty\u2014but it's well worth it, depending on your age.<\/p>\n

Step 2: Check your policy to see what coverage is included in your current life insurance policy<\/strong><\/p>\n

If you have an Absolute and Permanent Disability, this coverage will only be triggered if the Insured is in a \u00abvegetative state.\u00bb As for Total and Permanent Disability, this coverage has a broader scope. That is why it is recommended by DECO\u2014the Portuguese Association for Consumer Protection.<\/p>\n

Step 3: Contacting mediators, such as EXS<\/strong><\/p>\n

This tool allows you to compare different plans with your current insurance policy, along with the savings.<\/p>\n

Step 4: Notify the Bank of the insurance cancellation<\/strong><\/p>\n

You must send the cancellation request to the bank by certified mail with proof of delivery to the insurer. You must provide 30 days\u2019 notice. This is the most common notice period, but it is advisable to check the General Terms and Conditions for your specific case.<\/p>\n

Step 5: Cancel direct debit<\/strong><\/p>\n

You should cancel as soon as possible: that way, you won't have to continue paying the premium for the old policy. The effective date of the new policy will be immediately following the cancellation of the old life insurance policy.<\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

O\u00a0Decreto-Lei n\u00ba 222\/2009\u00a0trouxe mudan\u00e7as importantes para os subscritores deste tipo de Seguro. Por exemplo, o artigo 4\u00ba estabelece a possibilidade de transfer\u00eancia da modalidade no decorrer [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1562,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-1561","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-credito-habitacao"],"acf":[],"yoast_head":"\n5 Passos para transferir o Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Descubra como transferir o seu seguro de vida cr\u00e9dito habita\u00e7\u00e3o em 5 passos simples. 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