{"id":557,"date":"2023-11-19T00:00:00","date_gmt":"2023-11-19T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/5-factos-sobre-a-importancia-de-ter-seguro-de-vida-que-talvez-nao-saiba\/"},"modified":"2026-06-26T14:26:32","modified_gmt":"2026-06-26T14:26:32","slug":"5-facts-about-the-importance-of-life-insurance-that-you-may-not-know","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/5-facts-about-the-importance-of-life-insurance-that-you-may-not-know\/","title":{"rendered":"5 Facts About the Importance of Life Insurance That You May Not Know"},"content":{"rendered":"

Life insurance is one of those topics that goes unnoticed or is gradually ignored until it\u2019s actually needed. You hear the ads and see the posts on social media, but you don\u2019t question its importance.<\/p>\n

You know that anyone with a mortgage was \u201cinvited\u201d to sign up. But the\u00a0policy<\/a>\u00a0It also has other associated financial and social benefits.<\/p>\n

Life insurance can serve as a savings tool, a nest egg for retirement, or a guarantee of financial security for your descendants.<\/strong><\/p>\n

And it doesn't have to be a major expense.<\/p>\n

We've compiled the most important facts about life insurance so you can make an informed decision\u2014whether to accept or decline it.<\/p>\n

\"5-facts-about-life-insurance-you-might-not-know.jpg\"<\/p>\n

1. It provides greater financial security in case of unforeseen events<\/strong><\/h2>\n

Talking about funerals and the death of a loved one is a taboo subject. It reminds us of the fragility of human beings. But it is a biological reality to which no one is immune.<\/p>\n

In addition to being an emotionally draining experience, a funeral is expensive.<\/p>\n

The price obviously depends on the service you choose. The most basic option costs over 1,700 euros. Some people are forced to take out a personal loan to cover the expenses.<\/p>\n

It is at times like these that life insurance proves its value. It can cover these (and other) related expenses\u2014depending on the policy\u2014ensuring that the family\u2019s finances remain intact.<\/p>\n

It is insurance for yourself or for your family, since the beneficiaries receive the full amount of the insured sum.<\/p>\n

2. Life insurance can be a solid financial plan<\/strong><\/h2>\n

There isn't just ONE type of life insurance.<\/p>\n

There is a natural connection between a life insurance policy and the death of the insured person. However, there are different types and forms of insurance.<\/p>\n

The main coverage is divided into:<\/p>\n

    \n
  • Risk of death<\/strong>:<\/li>\n
  • \n
      \n
    • The insurance company pays the beneficiaries the amount specified in the contract if the insured person dies during the term of the policy.<\/li>\n<\/ul>\n<\/li>\n
    • Survival risk<\/strong>:<\/li>\n
    • \n
        \n
      • If the insured person is still alive at the end of the policy term, the insurance company pays the agreed-upon benefit amount to the beneficiary.<\/li>\n<\/ul>\n<\/li>\n
      • \n
          \n
        • This type of plan is very useful if you want to build up savings.<\/li>\n<\/ul>\n<\/li>\n
        • Mixed-use development<\/strong>\u00a0which includes the\u00a0risk of death<\/strong>\u00a0and survival: it covers both situations, although it has separate capital accounts.<\/li>\n<\/ul>\n

          In addition to these, there are other types of supplemental coverage, such as coverage for disability, accidents, or even unemployment.<\/p>\n

          **Given the vulnerability of the social security system, the high fees, and the low returns on many financial products designed for savings, it wouldn't be a bad idea to consider this option. **<\/p>\n

          If you take out a life insurance policy today, you will receive the agreed-upon amount at the end of the policy term, provided you are still alive.<\/p>\n

          3. The insurance premium is, in most cases, affordable<\/strong><\/h3>\n

          Open the calculator app or do the math the old-fashioned way. Keep track of your expenses and income\u2014both current and future.<\/p>\n

          Do you have teenage children or parents and other family members who depend on your income? The insured amount\u00a0should be equivalent to a certain number of years' worth of your current salary<\/strong>.<\/p>\n

          This is the first step toward purchasing a 100% insurance policy tailored to you and your family. This process will affect the premium amount.<\/p>\n

          Another important fact:\u00a0negotiate the premium amount and coverage<\/strong>. Or rather, entrust this research and study to a mediation firm with experienced professionals.<\/p>\n

          Of course, at this point, we recommend EXS, but our clients say the same thing: they\u2019ve achieved savings equal to the premium amount of 60%.<\/p>\n

          Don't overestimate the cost. Run a simulation. Find out, in black and white, exactly how much you'll have to pay. Most of the time, it's less than you thought.<\/p>\n

          4. It is a way to leave a financial legacy to your descendants<\/strong><\/h3>\n

          There is no doubt that we are living longer.<\/p>\n

          In 1960, life expectancy was 52.5 years. Today, the average is 72 years. In Portugal, it is as high as 81 years.<\/p>\n

          Longevity allows you to spend more time with your loved ones, but it can also place a financial burden on your family members.<\/p>\n

          Just think about medical care, nursing homes, or other in-home support services. Yet another situation in which health insurance ensures financial stability.<\/p>\n

          For example, with EXS, life insurance includes the following coverage:<\/p>\n

            \n
          • Serious illnesses;<\/li>\n
          • Death due to a traffic accident;<\/li>\n
          • Accidental death;<\/li>\n
          • Hospitalization Benefit.<\/li>\n<\/ul>\n

            And the amounts have a multiplication factor associated with them. In other words, if the insured person has an accident and, as a result, dies,\u00a0The sum insured triples because the policy covers three situations<\/strong>.<\/p>\n

            5. Life insurance can offer tax benefits<\/strong><\/h3>\n

            In some situations, premiums paid are tax-deductible on the IRS return, although this option is not available to most taxpayers.<\/p>\n

            The Personal Income Tax Code clarifies who is eligible to deduct annually paid premiums on their income tax return.<\/p>\n

            These are people who:<\/p>\n

              \n
            • They have insurance that covers only death, disability, or retirement due to old age;<\/li>\n
            • One or more policyholders are in a physically demanding profession (professional athletes, fishermen, or miners);<\/li>\n
            • Have dependents with disabilities.<\/li>\n<\/ul>\n

              Want to know how much you can afford to pay for life insurance?<\/h2>\n

              It is clear that life insurance is a form of protection\u2014for yourself and for your family, descendants, or other beneficiaries.<\/p>\n

              As mentioned in the article, do not assume the value of the policy.<\/p>\n

              You can run an online simulation in 5 minutes. You can also contact EXS. Our service includes\u00a0personalized support<\/strong>\u00a0throughout the entire process\u2014because we know it's hard to choose the coverage and exclusions.<\/p>\n

              Whether or not you decide to purchase life insurance, the decision is yours<\/strong>. And to do that, you need to have all the information you need to make an informed choice.<\/p>","protected":false},"excerpt":{"rendered":"

              O Seguro de vida \u00e9 um daqueles temas que passa despercebido ou se vai ignorando, at\u00e9 ser realmente preciso. Ouve a publicidade, v\u00ea as publica\u00e7\u00f5es nas [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":558,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[],"class_list":["post-557","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-protecao-familiar"],"acf":[],"yoast_head":"\n5 factos sobre a import\u00e2ncia de ter seguro de vida que talvez n\u00e3o saiba - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Conhe\u00e7a 5 factos sobre a import\u00e2ncia do seguro de vida que talvez n\u00e3o saiba. 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