Protection

A simple way to work it out: add up the debts you would leave behind (mortgage, loans), plus the years of income your family would need to adjust (usually 3 to 5 years of your net salary), plus future costs you already expect, such as your children's education, and subtract the savings available. The result is the amount it makes sense to insure. We review it with you and adjust it to your budget.

The price depends mainly on your age, the amount insured, your health and whether you smoke. For a young, healthy person it can cost a few euros a month per 100,000 euros of cover; from age 50 the price rises noticeably. That is why it makes sense to take it out early and review it when the mortgage goes down or the children grow up. We give you a real price range before you decide.

No. In Spain and Portugal the bank may offer better loan terms if you take out its insurance, but it cannot force you to do so; you can present a life policy from another provider with equivalent cover. In many cases the price difference is worth it. We work it out with you, with your binding offer in front of us.

It depends on what you want to solve. Funeral insurance covers the arrangements and the cost of the funeral, so your family does not have to pay that money up front at a difficult time. If you have enough savings and a family who could handle it, you may not need it; if you live alone, live in another country or want everything organised, it can be a good option. In Portugal it is also worth comparing it with the Social Security funeral allowance. We explain it to you without pressure.

Term life insurance pays a lump sum to your beneficiaries if you die or become disabled; it is pure insurance and it is inexpensive. Savings insurance (PIAS, SIALP, unit-linked, capitalisation policies) is mainly a way to save, with a small death benefit. It is best not to mix them: first cover the risk, then save. In the meeting we show you which one fits each part of your plan.

It depends on your age, your city and whether you prefer a broad network of doctors, reimbursement or co-payment. From age 55 or 60, insurers restrict new applications or raise premiums, so it is best to take it out earlier and keep it. We compare the available options by real cover (hospitals, specialists, waiting periods, exclusions), not just by price.

Yes. It is the first thing we do: gather your current policies, see what they cover, what overlaps and what is missing, and tell you whether it is worth changing anything or not. If everything is fine, we will tell you that too.

We work with several insurers in each country and explain why we recommend one or another. When we propose a company, we tell you which alternatives we considered and why it fits your case best.