{"id":585,"date":"2023-06-25T00:00:00","date_gmt":"2023-06-25T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/seguro-de-vida-credito-habitacao-mais-barato-na-seguradora\/"},"modified":"2026-06-26T14:26:19","modified_gmt":"2026-06-26T14:26:19","slug":"cheapest-life-and-home-loan-insurance-at-the-insurance-company","status":"publish","type":"post","link":"https:\/\/exs.pt\/en\/blog\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\/","title":{"rendered":"Cheapest Mortgage Life Insurance from the Insurance Company"},"content":{"rendered":"<p>Mortgage life insurance may seem like a lifelong commitment. Many people think this way simply because they don\u2019t know any better, but the law says otherwise.<\/p>\n<p><strong>Did you know that you can switch from your bank's insurance to another insurer and save on your insurance premium? In some cases, this switch can result in savings of up to 60%.<\/strong><\/p>\n<p>Find out in this article why it\u2019s more advantageous to get insurance from an independent insurer\u2014while maintaining (or even increasing) your level of coverage\u2014and start paying less right away!<\/p>\n<h2>Transferring Mortgage Life Insurance: Questions and Myths<\/h2>\n<p>It is recommended that you have life insurance, but it is required if you take out a mortgage.<\/p>\n<p>Banks require customers to purchase this product when taking out a loan and, as a general rule, suggest that customers purchase it from them.<\/p>\n<p>Mortgage life insurance means that the insurer will be responsible for paying off the loan balance in the event of a claim. In return, policyholders pay an insurance premium.<\/p>\n<p><strong>However, you are not required to maintain a contract that involves fees and accept the bank's offer if it is not in your best interest. There are\u00a0<a href=\"\/en\/safe\/housing-and-living\/\" target=\"_blank\" rel=\"noopener\">more affordable alternatives<\/a>\u00a0and it's important to use the market to your advantage.<\/strong><\/p>\n<p><img decoding=\"async\" title=\"Cheaper mortgage life insurance with EXS\" src=\"https:\/\/admin.exs.pt\/uploads\/seguro_de_vida_creedito_habitacao_barato_296baf6e63.jpg\" alt=\"Cheaper Mortgage Life Insurance\" \/><\/p>\n<p><strong>Legal Basis for Changing Insurance<\/strong><\/p>\n<p>Decree-Law No. 222\/2009 provides for this possibility, both in new and existing contracts:<\/p>\n<blockquote><p>\u201cIf the insurance policy was provided as collateral, the policyholder may enter into a new insurance contract with another insurer, maintaining the same terms of coverage, without the creditor\u2019s consent (\u2026) the parties involved have the right to choose to purchase life insurance from the insurance company of their choice.\u201d.<\/p><\/blockquote>\n<p><strong>The biggest concern regarding the transfer of a life insurance policy when purchasing a property is the spread penalty. In most cases, this does not happen.<\/strong><\/p>\n<p>Banks may also offer discounts on the loan spread when you purchase insurance from the bank, but even if that\u2019s the case, the change may still be worth it.<\/p>\n<p><strong>The cost of the spread penalty may be lower than the cost of the new insurance.<\/strong><\/p>\n<p>However, there are conditions for transferring the life insurance linked to a mortgage and avoiding penalties. It is important to comply with the contractual requirements.<\/p>\n<p>Let's take a look at the main benefits you'll enjoy when you transfer your insurance.<\/p>\n<h2>Mortgage Life Insurance: Discover the Benefits of Switching to a Different Insurance Company<\/h2>\n<h3>Savings on the monthly premium<\/h3>\n<p>The main advantage is in terms of savings.<\/p>\n<p><strong>By transferring your insurance, you can reduce your monthly premium by tens of euros. When you factor in this amount over the remaining years of the loan, the savings are significant.<\/strong><\/p>\n<p>It could mean, for example, setting up an emergency fund with the money you save.<\/p>\n<h3>More protection at a lower cost<\/h3>\n<p>By switching your mortgage life insurance, you can maintain\u2014or even improve\u2014your coverage while also saving on your monthly premium.<\/p>\n<p>You have the option to add new coverage and avoid exclusions. For example, you can expand your insurance to include family protection.<\/p>\n<p>Another advantage of switching insurance plans is that you can find the one that best suits you and your household.<\/p>\n<p><strong>Some insurance companies in the market offer competitive disability coverage terms, while others focus on offers related to insurance premiums or the age of the policyholders.<\/strong><\/p>\n<p>The choice is yours! Negotiate and explore other options on the market.<\/p>\n<h2>Why might mortgage life insurance be cheaper with one insurance company?<\/h2>\n<p>Banks offer their customers a product developed in partnership with a specific provider. Insurance brokers, on the other hand, analyze various options on the market and present the best solutions to their customers.<\/p>\n<p>This is the key difference\u2014and it's what allows us to offer competitive prices!<\/p>\n<p>Insurance brokers have established protocols and privileged contacts, so they benefit from the best terms on the market.<\/p>\n<p><strong>EXS offers you the best price because it compares premiums from 26 national insurance companies and suggests the best option for your specific situation.<\/strong><\/p>\n<p><strong>This isn't a one-size-fits-all solution or package. That's why you could end up paying less than half of what you're currently paying for insurance.<\/strong><\/p>\n<p>Try running a free mortgage life insurance simulation and see how much you can save.<\/p>\n<p>In this process, variables such as the following are analyzed:<\/p>\n<ul>\n<li>Outstanding principal;<\/li>\n<li>Term of the credit agreement;<\/li>\n<li>Age of the insured individuals;<\/li>\n<li>Health;<\/li>\n<li>Professional Activity;<\/li>\n<li>Among others.<\/li>\n<\/ul>\n<p>Anyone can make the transfer, but expert advice is a valuable asset.<\/p>\n<p>In addition to knowing the market, insurance companies help overcome one of the main barriers to change: inertia!<\/p>\n<p><strong>EXS is a pioneer in home life insurance and has been the market leader since 2014. We handle the transfer of your insurance policy in a simple and hassle-free way.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Um seguro de vida cr\u00e9dito habita\u00e7\u00e3o pode parecer um compromisso para a vida. Muitas pessoas pensam assim por desconhecimento, mas a lei diz o oposto. Sabia<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":586,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-585","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 mais barato na seguradora - EXS Seguros<\/title>\n<meta name=\"description\" content=\"Saiba como encontrar o seguro de vida cr\u00e9dito habita\u00e7\u00e3o mais barato do mercado. A EXS compara seguradoras e garante a solu\u00e7\u00e3o mais econ\u00f3mica para o seu cr\u00e9dito.\" \/>\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\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\/\" \/>\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 mais barato na seguradora - EXS Seguros\" \/>\n<meta property=\"og:description\" content=\"Saiba como encontrar o seguro de vida cr\u00e9dito habita\u00e7\u00e3o mais barato do mercado. A EXS compara seguradoras e garante a solu\u00e7\u00e3o mais econ\u00f3mica para o seu cr\u00e9dito.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/exs.pt\/en\/blog\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\/\" \/>\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=\"2023-06-25T00:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-26T14:26:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/exs.pt\/wp-content\/uploads\/2023\/06\/seguro_de_vida_creedito_habitacao_barato_296baf6e63.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"467\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/\"},\"author\":{\"name\":\"wp_suba\",\"@id\":\"https:\\\/\\\/exs.pt\\\/#\\\/schema\\\/person\\\/ce58f0d1fddbdfe42fe2632d88bbfa41\"},\"headline\":\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o mais barato na seguradora\",\"datePublished\":\"2023-06-25T00:00:00+00:00\",\"dateModified\":\"2026-06-26T14:26:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/\"},\"wordCount\":875,\"publisher\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/seguro_de_vida_creedito_habitacao_barato_296baf6e63.jpg\",\"articleSection\":[\"Vida Cr\u00e9dito Habita\u00e7\u00e3o\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/\",\"url\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/\",\"name\":\"Seguro de Vida Cr\u00e9dito Habita\u00e7\u00e3o mais barato na seguradora - EXS Seguros\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/exs.pt\\\/en\\\/blog\\\/cheapest-life-and-home-loan-insurance-at-the-insurance-company\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/exs.pt\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/seguro_de_vida_creedito_habitacao_barato_296baf6e63.jpg\",\"datePublished\":\"2023-06-25T00:00:00+00:00\",\"dateModified\":\"2026-06-26T14:26:19+00:00\",\"description\":\"Saiba como encontrar o seguro de vida cr\u00e9dito habita\u00e7\u00e3o mais barato do mercado. 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