Financial security for you and your family in Portugal
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Life insurance gives you and your family financial security. Especially when you live abroad, it's important that your loved ones are protected against unexpected events.
In Portugal, PPRs (Retirement Savings Plans) are considered part of life insurance. These offer you the opportunity to save for your retirement tax-efficiently while having death risk coverage at the same time. PPRs offer attractive tax benefits and are a popular way to build wealth in Portugal.
Free choice of insurer: With a mortgage, you may choose your own insurer, as long as the coverage is equivalent to what the bank requires (Portugal - DL 222/2009 on portabilidade/equivalência). With mortgage-linked policies, the insured capital normally follows the outstanding debt; the premium adjusts accordingly.
• Free choice of insurer with equivalent coverage • Capital generally follows the outstanding debt • Terms may include exclusions/surcharges (after medical assessment) • Ask us for a transfer proposal with equivalence for your bank
Our life insurance options are specifically chosen for residents of Portugal, taking into account local legislation and tax benefits available. We also help you choose the right PPR options that fit your pension goals.
Whether you have a young family or are already retired, we have various options that suit your life stage and financial situation in Portugal. From pure risk coverage to combined savings and insurance products including PPR.