{"id":507,"date":"2024-08-08T00:00:00","date_gmt":"2024-08-08T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/seguro-de-vida-credito-habitacao-porque-deve-contratar\/"},"modified":"2026-06-26T14:27:49","modified_gmt":"2026-06-26T14:27:49","slug":"life-insurance-and-mortgage-insurance-why-you-should-get-it","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/","title":{"rendered":"Mortgage Life Insurance: Why Should You Get It?"},"content":{"rendered":"<h2>How Does Mortgage Life Insurance Work?<\/h2>\n<p>Buying a home is a milestone. But it\u2019s also a time of significant expenses. In addition to the down payment, there are also costs associated with the closing process and other essential banking services, including mortgage life insurance.<\/p>\n<p>For many people, this is a lifetime investment. That\u2019s why it\u2019s important for insurance to protect that investment. But before choosing a plan, you should consider a few things:<\/p>\n<ul>\n<li>How can you ensure you get the best life insurance for your mortgage?<\/li>\n<li>How do you choose the coverage for your life insurance policy linked to your mortgage?<\/li>\n<\/ul>\n<p>These questions shouldn't just be asked at the time of award. Even if you already have insurance, you may also want to ask yourself:<\/p>\n<ul>\n<li>Do you have the most appropriate coverage, or are you paying for coverage you don't need?<\/li>\n<li>Can you switch life insurance policies for a mortgage?<\/li>\n<\/ul>\n<p>To help you answer these questions, we\u2019ve prepared an article explaining how life insurance works with a mortgage and what it covers. But we\u2019ll go a step further and list the tax benefits of this plan and how you can claim them, if necessary.<\/p>\n<p><img decoding=\"async\" title=\"Mortgage Life Insurance\" src=\"https:\/\/admin.exs.pt\/uploads\/habitacao_vida_2_271324958b.webp\" alt=\"How Mortgage Life Insurance Works\" \/><\/p>\n<h4># What is mortgage life insurance?<\/h4>\n<p>As the name implies, this insurance is a mandatory requirement for taking out a mortgage. Banks require this policy to ensure that the outstanding balance will be paid off through the insurance policy.<\/p>\n<p>In other words,\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">life insurance linked to a mortgage<\/a>\u00a0ensures that, in the event of premature death or a serious, disabling accident, the debt owed to the bank will be paid off.<\/p>\n<p>This plan thus ensures your family's financial protection and stability, while safeguarding your assets.<\/p>\n<p>In short, it serves as a safeguard not only for the bank, but also for you and your family.<\/p>\n<h4># What does mortgage life insurance cover?<\/h4>\n<p>Not all life insurance policies are the same. Each plan has a different range of coverages and exclusions. It all depends on what\u2019s in the policy, since there are\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">Various types of life insurance for home loans<\/a>\u00a0with optional coverage that affects the amount to be received.<\/p>\n<p>Two types of coverage to consider in your insurance policy are Absolute and Permanent Disability (IAD) and Total and Permanent Disability (ITP). Although the acronyms seem similar, the coverage they provide is different and can make all the difference.<\/p>\n<p>Let's get to know them better.<\/p>\n<h4># Total and Permanent Disability (ITP)<\/h4>\n<p>ITP coverage may be triggered when the policyholder is the victim of a<br \/>\nan accident or illness that results in disability between 60% and 75%, depending on the insurer.<\/p>\n<p>In other words, this coverage is triggered when the insured person becomes unable to perform their<br \/>\nprofession (or other compatible activity), and it is proven that the person is unable to work for more than<br \/>\n60%\u2014definitely, and there's no room for improvement.<\/p>\n<p>This is the option that offers the most protection, since the insurance company guarantees repayment of the mortgage.<\/p>\n<p>\u201dSince this is a policy with comprehensive coverage, it does come with a higher premium; however, this is justified when compared to the following option, which we will analyze next.\"<\/p>\n<h4># Absolute and Permanent Disability (IAD)<\/h4>\n<p>On the other hand, IAD coverage only ensures repayment of the loan, if the insured person, due to illness or accident, is permanently and irreversibly unable to perform any paid work and has a permanent need for assistance from a third party to carry out the ordinary activities of daily life and, depending on the insurer, may also be required to have a disability rating of 85% or higher, in accordance with the national disability scale<\/p>\n<p>In turn, this option is a more economical solution; however, as you can see, the differences between coverage for IAD and ITP are enormous, and the likelihood of being able to file an insurance claim for IAD is much lower than for ITP. Even if you are unable to work, if you do not meet the specified medical criteria, you will still need to continue making your mortgage payments.<\/p>\n<p>However, please note that each insurance company has different criteria for its policy provisions. Therefore, check which criteria you\u2019ll need to meet to file a claim under each coverage so you can choose the insurance company with the least stringent requirements.<\/p>\n<p>Also, don't choose the cheapest mortgage life insurance policy just because of the price. Instead, opt for the most economical option that offers the most comprehensive coverage.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/admin.exs.pt\/uploads\/habitacao_vida_3_39a41d7c9b.webp\" alt=\"housing-life-3.webp\" \/><\/p>\n<h4>Why should you get life insurance for a mortgage?<\/h4>\n<p>Taking out life insurance means providing financial protection for yourself and your family. In addition to safeguarding your assets, you\u2019re also looking out for your well-being and that of your family.<\/p>\n<p>At the same time, mortgage life insurance has the advantage of being tax-deductible for personal income tax purposes in some cases, specifically if:<\/p>\n<ul>\n<li>has a disability with a degree of disability equal to or greater than 60%;<\/li>\n<li>is in a high-wear-and-tear profession;<\/li>\n<li>or if you have a retirement savings plan (PPR).<\/li>\n<\/ul>\n<p>A\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">Benefits of Life Insurance for a Mortgage<\/a>\u00a0The IRS doesn't end here. If your loved one has passed away and you are entitled to receive compensation from the insurance company, you won\u2019t have to worry about the government taxing that money. This type of income is tax-exempt for beneficiaries of life insurance policies.<\/p>\n<h4>How do I file a claim under my mortgage life insurance policy?<\/h4>\n<p>Although coping with the death of a loved one is a painful experience, there are a few steps you should be aware of in order to file a claim on your mortgage life insurance.<\/p>\n<p>First of all, especially if you are unsure or do not have all the information about the insured person, you can request information from the Insurance and Pension Funds Supervisory Authority (ASF).<\/p>\n<p>This organization can help you learn about your rights by filling out the form requesting information on life insurance, personal accident insurance, and capitalization plans. To submit the request, you must also attach the death certificate and the applicant\u2019s identification documents to the file.<\/p>\n<p>Next, you must notify the insurance company of the person\u2019s death as soon as possible by filling out the appropriate forms and submitting the necessary documents, which include, among others:<\/p>\n<ul>\n<li>claims report form;<\/li>\n<li>original or certified copy of a death certificate;<\/li>\n<li>autopsy report;<\/li>\n<li>police report;<\/li>\n<li>results of drug screening tests;<\/li>\n<li>blood alcohol test results;<\/li>\n<li>and documents that verify the identity and status of the beneficiary\/heir who is entitled to compensation.<\/li>\n<\/ul>\n<p>After the documents are submitted, the insurance company generally has up to 30 days to pay the benefits under the insurance policy. However, payment may be delayed if the insurance company requests additional clarification regarding the claim.<\/p>\n<p>In these cases, especially during times of great emotional distress, it can be difficult to find the strength to move forward with this process. Therefore, you may want to ask your insurance company or your insurance broker for help.<\/p>\n<p>At EXS Seguros, we have a team of professionals at your service to help you at every stage of your life, especially when you need it most. That\u2019s why,\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">Please feel free to contact us\u00a0<\/a>whenever you need to.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/admin.exs.pt\/uploads\/habitacao_vida_1_2b340114e0.webp\" alt=\"housing-life-1.webp\" \/><\/p>\n<h4>What is the best life insurance policy for a mortgage?<\/h4>\n<p>More important than finding the cheapest mortgage life insurance is finding the plan that best suits your needs at a competitive price.<\/p>\n<p>Contrary to what most people think, you can have this plan with another insurance company that isn\u2019t affiliated with the bank where you took out the loan. Often, the savings you achieve by switching insurance companies offset any potential increase in the spread charged by the bank.<\/p>\n<p>Therefore,\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">Request a life insurance quote<\/a>\u00a0mortgage loans from different companies, to find the plan that offers the best value for money.<\/p>\n<p>To do so, you can use our mortgage life insurance calculator. Simply enter your information and request a free quote. We\u2019ll contact you to request more information, and by comparing data from the most competitive insurers in Portugal (specifically Advancecare, ARAG, Asisa, Caravela, Fidelidade, Liberty Seguros, Lusitania Seguros, MAPFRE, M\u00e9dis, Metlife, MGEN, Multicare, Popular Seguros, PR\u00c9VOIR, Real Vida Seguros, Sa\u00fade Prime, Tranquilidade, Una Seguros, Victoria, and Zurich), we\u2019ll offer you the most suitable solution.<\/p>\n<p>And even if you already have a plan, you can\u00a0<a href=\"#form\">request a simulation<\/a>\u00a0And we can help you switch your mortgage life insurance. You can switch your life insurance at any time and save on your monthly premium.<\/p>\n<p>In short, the best mortgage life insurance is the one that suits you, your family, and your needs\u2014at a competitive price. If you need help, at EXS we guarantee the support you need to find the most advantageous solution.<\/p>","protected":false},"excerpt":{"rendered":"<p>Como funciona o Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o? A compra de uma habita\u00e7\u00e3o \u00e9 um momento marcante. Mas \u00e9 tamb\u00e9m uma altura de custos avultados. Al\u00e9m<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":508,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-507","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>Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar? - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Saiba porque deve contratar um seguro de vida cr\u00e9dito habita\u00e7\u00e3o. Proteja a sua fam\u00edlia e o pagamento da sua casa em caso de morte ou invalidez com a EXS.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar? - EXS Seguros\" \/>\n<meta property=\"og:description\" content=\"Saiba porque deve contratar um seguro de vida cr\u00e9dito habita\u00e7\u00e3o. Proteja a sua fam\u00edlia e o pagamento da sua casa em caso de morte ou invalidez com a EXS.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/\" \/>\n<meta property=\"og:site_name\" content=\"EXS Seguros\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/EXS.Seguros\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-08-08T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-26T14:27:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"599\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"wp_suba\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"wp_suba\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/\"},\"author\":{\"name\":\"wp_suba\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#\\\/schema\\\/person\\\/ce58f0d1fddbdfe42fe2632d88bbfa41\"},\"headline\":\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar?\",\"datePublished\":\"2024-08-08T00:00:00+00:00\",\"dateModified\":\"2026-06-26T14:27:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/\"},\"wordCount\":1646,\"publisher\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/habitacao_vida_2_271324958b.webp\",\"articleSection\":[\"Vida Cr\u00e9dito Habita\u00e7\u00e3o\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/\",\"url\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/\",\"name\":\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar? - EXS Seguros\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/habitacao_vida_2_271324958b.webp\",\"datePublished\":\"2024-08-08T00:00:00+00:00\",\"dateModified\":\"2026-06-26T14:27:49+00:00\",\"description\":\"Saiba porque deve contratar um seguro de vida cr\u00e9dito habita\u00e7\u00e3o. Proteja a sua fam\u00edlia e o pagamento da sua casa em caso de morte ou invalidez com a EXS.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#primaryimage\",\"url\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/habitacao_vida_2_271324958b.webp\",\"contentUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2024\\\/08\\\/habitacao_vida_2_271324958b.webp\",\"width\":1000,\"height\":599},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/life-insurance-and-mortgage-insurance-why-you-should-get-it\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/exs.pt\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#website\",\"url\":\"https:\\\/\\\/exs.pt\\\/\",\"name\":\"EXS Seguros\",\"description\":\"Tornamos os seguros simples, transparentes e acess\u00edveis, com um atendimento especializado. Protegemos o mais importante!\",\"publisher\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/exs.pt\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#organization\",\"name\":\"EXS Seguros\",\"url\":\"https:\\\/\\\/exs.pt\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/sem-descritivo-cores.svg\",\"contentUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/sem-descritivo-cores.svg\",\"caption\":\"EXS Seguros\"},\"image\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/EXS.Seguros\\\/\",\"https:\\\/\\\/www.instagram.com\\\/exs.seguros\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#\\\/schema\\\/person\\\/ce58f0d1fddbdfe42fe2632d88bbfa41\",\"name\":\"wp_suba\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g\",\"caption\":\"wp_suba\"},\"sameAs\":[\"http:\\\/\\\/192.168.10.129\\\/template_wordpress\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Mortgage Life Insurance: Why Should You Get It? - EXS Seguros","description":"Find out why you should purchase mortgage life insurance. Protect your family and your mortgage payments in the event of death or disability with EXS.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/","og_locale":"en_US","og_type":"article","og_title":"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar? - EXS Seguros","og_description":"Saiba porque deve contratar um seguro de vida cr\u00e9dito habita\u00e7\u00e3o. Proteja a sua fam\u00edlia e o pagamento da sua casa em caso de morte ou invalidez com a EXS.","og_url":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/","og_site_name":"EXS Seguros","article_publisher":"https:\/\/www.facebook.com\/EXS.Seguros\/","article_published_time":"2024-08-08T00:00:00+00:00","article_modified_time":"2026-06-26T14:27:49+00:00","og_image":[{"width":1000,"height":599,"url":"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp","type":"image\/webp"}],"author":"wp_suba","twitter_card":"summary_large_image","twitter_misc":{"Written by":"wp_suba","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#article","isPartOf":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/"},"author":{"name":"wp_suba","@id":"https:\/\/exs.pt\/#\/schema\/person\/ce58f0d1fddbdfe42fe2632d88bbfa41"},"headline":"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar?","datePublished":"2024-08-08T00:00:00+00:00","dateModified":"2026-06-26T14:27:49+00:00","mainEntityOfPage":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/"},"wordCount":1646,"publisher":{"@id":"https:\/\/exs.pt\/#organization"},"image":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#primaryimage"},"thumbnailUrl":"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp","articleSection":["Vida Cr\u00e9dito Habita\u00e7\u00e3o"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/","url":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/","name":"Mortgage Life Insurance: Why Should You Get It? - EXS Seguros","isPartOf":{"@id":"https:\/\/exs.pt\/#website"},"primaryImageOfPage":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#primaryimage"},"image":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#primaryimage"},"thumbnailUrl":"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp","datePublished":"2024-08-08T00:00:00+00:00","dateModified":"2026-06-26T14:27:49+00:00","description":"Find out why you should purchase mortgage life insurance. Protect your family and your mortgage payments in the event of death or disability with EXS.","breadcrumb":{"@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#primaryimage","url":"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp","contentUrl":"https:\/\/exs.pt\/wp-content\/uploads\/2024\/08\/habitacao_vida_2_271324958b.webp","width":1000,"height":599},{"@type":"BreadcrumbList","@id":"https:\/\/exs.pt\/en\/blog\/life-insurance-and-mortgage-insurance-why-you-should-get-it\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/exs.pt\/"},{"@type":"ListItem","position":2,"name":"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o: Porque deve contratar?"}]},{"@type":"WebSite","@id":"https:\/\/exs.pt\/#website","url":"https:\/\/exs.pt\/","name":"EXS Insurance","description":"We make insurance simple, transparent, and affordable, with expert service. We protect what matters most!","publisher":{"@id":"https:\/\/exs.pt\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/exs.pt\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/exs.pt\/#organization","name":"EXS Insurance","url":"https:\/\/exs.pt\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/exs.pt\/#\/schema\/logo\/image\/","url":"https:\/\/exs.pt\/wp-content\/uploads\/2026\/04\/sem-descritivo-cores.svg","contentUrl":"https:\/\/exs.pt\/wp-content\/uploads\/2026\/04\/sem-descritivo-cores.svg","caption":"EXS Seguros"},"image":{"@id":"https:\/\/exs.pt\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/EXS.Seguros\/","https:\/\/www.instagram.com\/exs.seguros\/"]},{"@type":"Person","@id":"https:\/\/exs.pt\/#\/schema\/person\/ce58f0d1fddbdfe42fe2632d88bbfa41","name":"wp_suba","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/9bba54f34cb3a284dc71e09b474a075136ce8ec6502709563cb95e3020988eec?s=96&d=mm&r=g","caption":"wp_suba"},"sameAs":["http:\/\/192.168.10.129\/template_wordpress"]}]}},"_links":{"self":[{"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/posts\/507","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/comments?post=507"}],"version-history":[{"count":2,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/posts\/507\/revisions"}],"predecessor-version":[{"id":1377,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/posts\/507\/revisions\/1377"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/media\/508"}],"wp:attachment":[{"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/media?parent=507"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/categories?post=507"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/exs.pt\/en\/wp-json\/wp\/v2\/tags?post=507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}