{"id":489,"date":"2024-11-08T00:00:00","date_gmt":"2024-11-08T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao\/"},"modified":"2026-06-26T14:27:56","modified_gmt":"2026-06-26T14:27:56","slug":"poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao\/","title":{"rendered":"Save on your home purchase with mortgage life insurance"},"content":{"rendered":"<p>Loan amount: This amount affects the sum insured, as it is intended to ensure that, in the event of death or disability, the debt is paid off, thereby preventing a significant financial burden on your family.<\/p>\n<p>Additional expenses and family needs: You can purchase life insurance that isn\u2019t tied to a loan. In this case, you can consider the other expenses your family would have to cover in your absence and purchase a basic life insurance policy with a death benefit of your choice, sufficient to cover those expenses. Do you dream of owning your own home? Perhaps you\u2019re already considering this possibility and have started saving. In addition to saving, it\u2019s essential to think about how to protect that investment and to consider the costs and suitability of life insurance linked to a mortgage.<\/p>\n<p><img decoding=\"async\" title=\"Save on your home purchase with mortgage life insurance\" src=\"https:\/\/admin.exs.pt\/uploads\/poupe_na_compra_da_sua_casa_com_o_seguro_de_vida_credito_habitacao_01_8b87ed21c0.webp\" alt=\"poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao-01.webp\" \/><\/p>\n<p>Mortgage life insurance is essential for protecting your assets and ensuring your family\u2019s financial security. In addition, it is generally a requirement imposed by banks when granting a loan. You should therefore consider all your options to find the best plan\u2014and the most competitive one\u2014so you can save on your insurance premiums.<\/p>\n<p>In this guide, we\u2019ll explore the different types of coverage and plans available, as well as highlight the benefits of mortgage life insurance. We\u2019ll also share some tips to help you save on insurance, ensuring effective protection at a lower cost.<\/p>\n<h3>Learn what life insurance is and how it works<\/h3>\n<p>Life insurance is designed to protect you financially in the event of unforeseen circumstances. This insurance guarantees the payment of a sum insured\u2014which may be linked to a loan or other financial obligation\u2014in the event of the insured person\u2019s death or disability.<\/p>\n<p>When taken out in conjunction with a mortgage, life insurance is required to ensure that the debt to the bank is paid off in the event of death or disability.<br \/>\nThis type of insurance protects your family from potential financial instability and, as a result, safeguards your assets.<\/p>\n<h3>The Benefits of Life Insurance<\/h3>\n<p>Buying a home is a major milestone. It\u2019s a significant investment that requires careful financial planning. One way to save money is by choosing or reviewing a more affordable mortgage life insurance policy, while maintaining or even increasing your coverage.<\/p>\n<p>By choosing the plan that best suits your needs through EXS Seguros, you can enjoy more comprehensive coverage while saving for your home. Learn more about the main types of life insurance coverage:<\/p>\n<h4>Death Benefit<\/h4>\n<p>Under this coverage, the beneficiaries receive the insured amount in the event of the insured person\u2019s death during the term of the policy.<\/p>\n<h4>Coverage for Total and Permanent Disability (TPD)<\/h4>\n<p>The insured person receives the insured amount only if, due to illness or accident:<\/p>\n<ul>\n<li>become completely and irreversibly unable to engage in any paid work;<\/li>\n<li>and become dependent on the assistance of another person to perform everyday tasks.<\/li>\n<\/ul>\n<p>With certain insurance companies, the degree of disability must be 85% or higher. However, keep in mind that each insurer has different criteria for each type of coverage.<\/p>\n<h4>Total and Permanent Disability (TPD) Coverage<\/h4>\n<p>In addition to providing IAD coverage, ITP offers a supplement for professional activity, under which it guarantees payment of the benefit if the insured person meets the following conditions:<\/p>\n<ul>\n<li>permanent and irreversible inability to perform professional duties consistent with one\u2019s skills and knowledge;<\/li>\n<li>Disability rating exceeding 55%, 60%, 65%, or 66% (depending on the plan and the insurance companies), according to the national disability rating table.<\/li>\n<\/ul>\n<p>In addition to these coverages, life insurance may also include other additional protections, such as coverage for involuntary unemployment. These options can be selected based on your needs and provide a comprehensive safety net for your family.<\/p>\n<h3>Life Insurance and Mortgage Protection<\/h3>\n<p>When it comes to protecting your assets and your family\u2019s financial security, this type of insurance plays a key role. You may even choose to purchase one policy of each type: whole life insurance, term life insurance, and mortgage-linked life insurance (which is usually required by the bank).<\/p>\n<p>Term life insurance is a choice that is independent of a home loan. This insurance provides coverage for death and disability for a specific period and a sum insured determined by the policyholder. This option is flexible, allowing you to choose the coverage, term, and beneficiaries in the event of a claim according to your preferences, since it is not directly tied to any lending institution.<\/p>\n<p>On the other hand, the\u00a0<a href=\"\/en\/safe\/housing-and-living\/\" target=\"_blank\" rel=\"noopener\">life insurance and mortgage insurance<\/a>\u00a0It is designed to protect your mortgage loan and, consequently, your home. This protects you and your family, as you won\u2019t be burdened with debt in the event of an unforeseen circumstance.<\/p>\n<p>For this reason, mortgage life insurance is considered the most essential type of insurance when you buy a home with a mortgage. Because it is directly linked to your mortgage, it protects your assets.<\/p>\n<p>Simple term life insurance can be purchased as an additional form of protection, independent of any banking institution.<\/p>\n<p>But before deciding on the best mortgage life insurance, you should assess your needs and consider the benefits of each option.<\/p>\n<p><img decoding=\"async\" title=\"Save on your home purchase with mortgage life insurance\" src=\"https:\/\/admin.exs.pt\/uploads\/poupe_na_compra_da_sua_casa_com_o_seguro_de_vida_credito_habitacao_02_65ee496f08.webp\" alt=\"poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao-02.webp\" \/><\/p>\n<h3>Types of Life Insurance to Consider When Buying a Home<\/h3>\n<p>When reviewing the options available on the market, you\u2019ve surely come across different types of life insurance. These different types of insurance can be classified according to their purpose, namely:<\/p>\n<ul>\n<li>For personal and family protection: This type of insurance includes term life insurance, which is designed to ensure financial stability in the event of death or disability. It is a common option for protecting your family and ensuring they can maintain their standard of living. It does not have to be linked to any loan or credit.<\/li>\n<li>Life insurance linked to loan repayment: This type of insurance is associated with loans, such as mortgages, personal loans, or auto loans. When applying for a loan, it is common for the financial institution to require life insurance as a guarantee that the debt will be paid off in the event of death or disability.<\/li>\n<li>For companies: These insurance policies are designed to provide employees with financial compensation in the event of death or total or absolute disability. In addition to serving as a tool for employee motivation, the plan also offers tax benefits to companies.<\/li>\n<\/ul>\n<p>When choosing life insurance to finance the purchase of your home, it\u2019s important to assess your specific needs and consider which type of policy offers the most appropriate coverage for your needs.<\/p>\n<h3>How can you factor life insurance into your budget?<\/h3>\n<p>Including life insurance in your family budget is a way to ensure financial peace of mind. Here are some tips to make this more affordable:<\/p>\n<ul>\n<li>Look around: premiums can vary depending on the insurer, so take a close look at the available options to find the best deal. The best way to do this is to request a quote from a broker like EXS Seguros, which works with the top 26 insurers in the market.<\/li>\n<li>Pay your premiums annually and by direct debit: Some insurance companies offer discounts for annual payments and direct debit, which can help reduce costs in the long run.<\/li>\n<li>Take care of your health: Insurance companies consider factors such as age, medical history, and lifestyle when determining premiums. By taking care of your health, you can get more affordable rates.<\/li>\n<li>Review your insurance regularly: Over time, your financial situation or the amount of your loan may change. Therefore, assess whether the coverage and insured amounts still meet your current needs. Also, take this opportunity to compare offers from other insurance companies.<\/li>\n<\/ul>\n<p>These tips can help you include the\u00a0<a href=\"\/en\/safe\/family-protection\/\" target=\"_blank\" rel=\"noopener\">life insurance in the family budget<\/a>\u00a0more efficiently, ensuring adequate protection for you and your loved ones.<\/p>\n<h3>What is the best life insurance policy to provide you with the most comprehensive protection?<\/h3>\n<p>Choosing the best life insurance coverage is a difficult task. That\u2019s why you should consider several individual factors to ensure that you\u2019re adequately protecting your home. Here are some of the factors you need to evaluate:<\/p>\n<ul>\n<li>Loan amount: This amount affects the sum insured, as it is intended to ensure that, in the event of death or disability, the debt is paid off, thereby preventing a significant financial burden on your family.<\/li>\n<li>Additional expenses and family needs: You can purchase life insurance that is not tied to a loan. In this case, you can consider the other expenses your family would have to cover in your absence and purchase a basic life insurance policy with a sum insured of your choice, sufficient to cover those expenses.<\/li>\n<\/ul>\n<p>Para o ajudar neste processo, um mediador de seguros especializado, como a\u00a0EXS, pode ser um recurso valioso. Com mais de 26 anos de experi\u00eancia, a EXS tem o conhecimento necess\u00e1rio para ajud\u00e1-lo a encontrar o plano de coberturas mais adequado \u00e0s suas necessidades.<\/p>\n<p><img decoding=\"async\" title=\"Save on your home purchase with mortgage life insurance\" src=\"https:\/\/admin.exs.pt\/\/uploads\/poupe_na_compra_da_sua_casa_com_o_seguro_de_vida_credito_habitacao_03_fed9dc4c38.webp\" alt=\"poupe-na-compra-da-sua-casa-com-o-seguro-de-vida-credito-habitacao-03.webp\" \/><\/p>\n<h3>Invista num seguro de vida para a casa dos seus sonhos<\/h3>\n<p>Com a ajuda de profissionais experientes, encontrar o melhor seguro de vida cr\u00e9dito habita\u00e7\u00e3o torna-se mais f\u00e1cil. Na EXS Seguros, ajudamos a encontrar o plano ideal para proteger a sua fam\u00edlia e o seu patrim\u00f3nio sem desequilibrar o or\u00e7amento &#8211; podendo usufruir de uma poupan\u00e7a de at\u00e9 60%.<\/p>\n<p>Para conhecer as nossas ofertas, solicite uma\u00a0<a href=\"\/en\/safe\/housing-and-living\/\" target=\"_blank\" rel=\"noopener\">simula\u00e7\u00e3o gr\u00e1tis do seguro de vida<\/a>. A partir das solu\u00e7\u00f5es das seguradoras mais competitivas em Portugal (Asisa, Real Vida, UnaSeguros, April, Metlife, Tranquilidade, \u2026), apresentamos uma proposta personalizada.<\/p>\n<p>Invista no seguro de vida cr\u00e9dito habita\u00e7\u00e3o atrav\u00e9s da EXS e tenha a tranquilidade de saber que est\u00e1 a proteger o futuro do seu sonho: uma casa para si e para a sua fam\u00edlia.<\/p>","protected":false},"excerpt":{"rendered":"<p>Valor do cr\u00e9dito: este montante influencia o valor do capital seguro pois deve garantir que, em caso de falecimento ou invalidez, a d\u00edvida seja liquidada, evitando<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":490,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-489","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>Poupe na compra da sua casa com o seguro de vida cr\u00e9dito habita\u00e7\u00e3o - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Saiba como poupar na compra da sua casa com o seguro de vida cr\u00e9dito habita\u00e7\u00e3o. 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