{"id":1583,"date":"2022-10-14T13:04:16","date_gmt":"2022-10-14T13:04:16","guid":{"rendered":"https:\/\/exs.suba-agency.com\/?p=1583"},"modified":"2026-06-26T14:33:19","modified_gmt":"2026-06-26T14:33:19","slug":"what-is-the-difference-between-iad-and-itp-in-life-insurance","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/what-is-the-difference-between-iad-and-itp-in-life-insurance\/","title":{"rendered":"What is the difference between IAD and ITP in life insurance?"},"content":{"rendered":"<section class=\"overflow-hidden article-content\" data-v-0ec3da1b=\"\">\n<div class=\"container\" data-v-0ec3da1b=\"\">\n<div class=\"article\" data-v-0ec3da1b=\"\">\n<p>When you purchase life insurance linked to a mortgage, one of the most important decisions is choosing the type of disability coverage:\u00a0<strong>IAD (Total and Permanent Disability)<\/strong>\u00a0or\u00a0<strong>TDI (Total and Permanent Disability)<\/strong>.<\/p>\n<p>This choice may determine whether or not the insurance pays out the outstanding balance in the event of a serious health problem.<\/p>\n<p>In this comprehensive guide, we explain:<\/p>\n<ul>\n<li>The Real Difference Between IAD and ITP<\/li>\n<li>Which one offers more protection?<\/li>\n<li>What Banks Require<\/li>\n<li>Real-world case studies<\/li>\n<li>How to Activate Coverage in the Event of a Claim<\/li>\n<\/ul>\n<h3>Quick Comparison Between IAD and ITP (Direct Answer)<\/h3>\n<h4>IAD vs. ITP \u2014 A Simple Summary<\/h4>\n<p><img decoding=\"async\" title=\"Difference Between IDA and ITP\" src=\"https:\/\/admin.exs.pt\/uploads\/tabela_ida_vs_itp_8bd8a1c475.webp\" alt=\"IDA vs. ITP Table\" \/><\/p>\n<h4>Quick conclusion:<\/h4>\n<p>A\u00a0<strong>ITP covers many more situations than IAD<\/strong>, although it costs a little more.<\/p>\n<h3>What is IAD (Total and Permanent Disability)?<\/h3>\n<p>IAD is the most restrictive (least comprehensive) coverage.<\/p>\n<p>It only activates when the person:<\/p>\n<ul>\n<li>The person is left with a very high level of disability (usually above 80%, but it is difficult to specify an exact percentage)<\/li>\n<li>You become completely dependent on others<\/li>\n<li>Is unable to work in any profession<\/li>\n<li>Is unable to perform basic activities of daily living<\/li>\n<\/ul>\n<p>In practice, IAD functions almost like a situation of dependency and is treated as an extreme case for insurance purposes.<\/p>\n<h4>Typical examples of IAD situations<\/h4>\n<ul>\n<li>Vegetative state<\/li>\n<li>Quadriplegia<\/li>\n<li>Severe, disabling neurological diseases<\/li>\n<li>Severe brain injuries<\/li>\n<li>Permanent total disability<\/li>\n<\/ul>\n<p>Because this is a more limited type of coverage, the insurance premium tends to be lower.<\/p>\n<h3>What is ITP (Total and Permanent Disability)?<\/h3>\n<p>A\u00a0<strong>ITP<\/strong>\u00a0It provides much more comprehensive coverage.<br \/>\nEnable when:<\/p>\n<ul>\n<li>Disability is typically \u2265 60% (depending on the company)<\/li>\n<li>The person is no longer able to practice their profession<\/li>\n<li>There is a significant loss of work capacity<\/li>\n<\/ul>\n<p>This means that\u00a0<strong>You don't have to rely on others<\/strong>.<br \/>\nAll it takes is being unable to work, which results in a loss of income.<\/p>\n<h3>Case Studies: When to Use IAD vs. ITP<\/h3>\n<h4>Case Study 1<\/h4>\n<p>A person suffers a stroke and is left with a 65% disability rating, forcing them to retire on disability.<\/p>\n<p>Result:<\/p>\n<ul>\n<li>IAD \u2192 inactive<\/li>\n<li>ITP \u2192 active<\/li>\n<\/ul>\n<p>ITP insurance would pay off your mortgage to the bank or pay the principal amount to the insured (if the policy is not linked to a mortgage).<br \/>\nNot the IAD.<\/p>\n<h4>Case Study 2<\/h4>\n<p>A person suffers a serious accident and becomes completely dependent on others.<\/p>\n<p>Result:<\/p>\n<ul>\n<li>IAD \u2192 active<\/li>\n<li>ITP \u2192 active<\/li>\n<\/ul>\n<p>Under an insurance policy covering IAD or ITP, it would be possible to file a claim under this policy.<br \/>\nPlease note that coverage cannot be claimed for multiple policies at the same time: for example, once a claim is paid under ITP, it will not be paid under IAD as well.<\/p>\n<h4>Case Study 3<\/h4>\n<p>A person develops a degenerative disease that prevents them from continuing to work, but they retain their personal autonomy.<\/p>\n<p>Result:<\/p>\n<ul>\n<li>IAD \u2192 inactive<\/li>\n<li>ITP \u2192 active<\/li>\n<\/ul>\n<p>This is the most common scenario where the choice makes a difference.<\/p>\n<h3>Why do banks prefer ITP?<\/h3>\n<p>Today, most banks prefer or recommend ITP because:<\/p>\n<ul>\n<li>Reduces the risk of default<\/li>\n<li>Provides better protection for the customer<\/li>\n<li>Increases the likelihood that the insurance will pay out<\/li>\n<\/ul>\n<p>Some institutions require:<\/p>\n<ul>\n<li>ITP 60%<\/li>\n<li>ITP 65%<\/li>\n<\/ul>\n<p>This may directly affect whether your loan is approved.<\/p>\n<p>According to the Bank of Portugal, life insurance must provide adequate protection against the risk of the borrower becoming disabled.<br \/>\nYou can view the official recommendations at\u00a0<a href=\"https:\/\/www.bportugal.pt\/\" target=\"_blank\" rel=\"noopener\">Bank of Portugal website<\/a>.<\/p>\n<h3>How the choice between IAD and ITP Affects the Price of Insurance<\/h3>\n<p>On average:<\/p>\n<p><img decoding=\"async\" title=\"IDA and ITP Price List\" src=\"https:\/\/admin.exs.pt\/uploads\/tabela_preco_ida_itp_bda91f17ec.webp\" alt=\"IDA and ITP Price List\" \/><\/p>\n<p>But be careful:<br \/>\nChoosing IAD just to pay less could be a serious financial mistake.<\/p>\n<p>The real risk is:\u00a0<strong>to be disabled and for the insurance not to pay out.<\/strong><\/p>\n<p>Therefore, the choice should be based on protection, not just price.<\/p>\n<p>You can better understand how a \u2192 works\u00a0<strong>life insurance, mortgage insurance<\/strong>\u00a0on the page:\u00a0<a href=\"https:\/\/exs.pt\/en\/life-and-home-insurance\/\" target=\"_blank\" rel=\"noopener\">Mortgage Life Insurance<\/a><\/p>\n<h3>ITP for domestic workers\u2014does it exist?<\/h3>\n<p>Yes.<br \/>\nEven without a formal occupation, ITP can apply to domestic workers.<\/p>\n<p>Some insurance companies consider:<\/p>\n<ul>\n<li>Inability to perform household activities<\/li>\n<li>Loss of functional independence<\/li>\n<li>Medical Assessment of Disability<\/li>\n<\/ul>\n<p>Each insurance company has its own criteria.<\/p>\n<p>That is why it is important to conduct a personalized analysis with a specialized mediator such as\u00a0<strong>EXS Insurance<\/strong>.<\/p>\n<p>You can request an analysis here:\u00a0<a href=\"https:\/\/exs.pt\/en\/life-insurance\/\" target=\"_blank\" rel=\"noopener\">Life Insurance Simulation<\/a><\/p>\n<h3>ITP for retirees \u2014 is it possible?<\/h3>\n<p>It depends.<\/p>\n<p>If the retiree:<\/p>\n<ul>\n<li>Continue working<\/li>\n<li>Has a paid job<\/li>\n<li>It has business operations<\/li>\n<li>You are within the subscription age range<\/li>\n<\/ul>\n<p>ITP can be considered based on this activity.<\/p>\n<p>If the insured is not employed, insurance companies:<br \/>\nThey limit coverage to IAD.<\/p>\n<p><img decoding=\"async\" title=\"EXS Seguros customers\" src=\"https:\/\/admin.exs.pt\/uploads\/img_ida_itp_02_4dd2fb546f.webp\" alt=\"Image: Family with insurance\" \/><\/p>\n<h3>What do lenders require for disability coverage?<\/h3>\n<p>They usually require:<\/p>\n<ul>\n<li>Principal equal to the amount of the loan<\/li>\n<li>Death Coverage<\/li>\n<li>Disability Coverage<\/li>\n<li>Preferred ITP<\/li>\n<\/ul>\n<p>Some factors that influence this:<\/p>\n<ul>\n<li>Age<\/li>\n<li>Occupation<\/li>\n<li>Amount Financed<\/li>\n<li>Medical risk<\/li>\n<\/ul>\n<h3>What is required to activate IAD or ITP in the event of a claim?<\/h3>\n<p>Typically, you will need:<\/p>\n<h4>Medical documents:<\/h4>\n<ul>\n<li>Detailed medical report<\/li>\n<li>Multi-purpose certificate of incapacity<\/li>\n<li>Clinical Exams<\/li>\n<li>Medical History<\/li>\n<\/ul>\n<h4>Administrative documents:<\/h4>\n<ul>\n<li>Deductible<\/li>\n<li>Identification of the Insured<\/li>\n<li>Policy Number<\/li>\n<li>Employer's Statement (if applicable)<\/li>\n<li>Proof of retirement<\/li>\n<\/ul>\n<p>The degree of disability is typically assessed based on:<br \/>\n<strong>National Table of Disabilities<\/strong><\/p>\n<p>You can check it out here:\u00a0<a href=\"https:\/\/dre.pt\/\" target=\"_blank\" rel=\"noopener\">National Disability Classification Table (Official Gazette)<\/a><\/p>\n<h3>IAD or ITP: Which Should You Choose?<\/h3>\n<p>In most cases:<br \/>\n<strong>ITP is the safest choice.<\/strong><\/p>\n<p>Because:<\/p>\n<ul>\n<li>Use it in more situations<\/li>\n<li>Protects income<\/li>\n<li>Reduces financial risk<\/li>\n<li>It is more likely to be triggered<\/li>\n<\/ul>\n<p>IAD is only appropriate when:<\/p>\n<ul>\n<li>Price is a critical factor<\/li>\n<li>Advanced age<\/li>\n<li>Medical conditions limit ITP<\/li>\n<\/ul>\n<h3>Frequently Asked Questions (FAQ)<\/h3>\n<p><strong>Is ITP better than IAD?<\/strong><br \/>\nYes. The ITP covers more types of disability.<\/p>\n<p><strong>Is it worth paying more for ITP?<\/strong><br \/>\nIn most cases, yes, because it greatly increases the likelihood that the insurance company will pay out.<\/p>\n<p><strong>Can I switch from IAD to ITP?<\/strong><br \/>\nYes, subject to a new medical evaluation.<\/p>\n<p><strong>Can the bank require ITP?<\/strong><br \/>\nIt may require a minimum level of protection.<\/p>\n<h3>Conclusion<\/h3>\n<p>The difference between IAD and ITP can determine whether your family receives the payout if you develop a more serious illness that prevents you from working.<\/p>\n<ul>\n<li>IAD = minimum protection<\/li>\n<li>ITP = recommended protection<\/li>\n<\/ul>\n<p>The choice should be based on actual protection, not just on cost.<\/p>\n<p>In the\u00a0<strong>EXS Insurance<\/strong>, each analysis is conducted on a case-by-case basis, taking into account:<\/p>\n<ul>\n<li>Risk<\/li>\n<li>Occupation<\/li>\n<li>Age<\/li>\n<li>Credit<\/li>\n<li>Protection Objectives<\/li>\n<\/ul>\n<p>If you'd like to find out which option is best for you, you can request an expert analysis here:<br \/>\n<a href=\"https:\/\/exs.pt\/en\/life-and-home-insurance\/\" target=\"_blank\" rel=\"noopener\">Personalized analysis of life insurance and mortgage coverage.<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>Quando contrata um seguro de vida associado ao cr\u00e9dito habita\u00e7\u00e3o, uma das decis\u00f5es mais importantes \u00e9 escolher o tipo de cobertura de invalidez:\u00a0IAD (Invalidez Absoluta e<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":1584,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-1583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-credito-habitacao"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Qual a diferen\u00e7a entre IAD e ITP no seguro de vida? - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Perceba a diferen\u00e7a entre IAD e ITP no seguro de vida e qual a cobertura mais adequada para si. 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