Licensed Independent Brokers in Portugal
Most expats overpay for life insurance. We fix that.
72% of people overestimate the cost of life insurance. Banks charge up to 50% more than the market rate. We compare Portugal's leading insurers to find you better coverage at a lower price.
Why do expats overpay for insurance?
Navigating the Portuguese insurance market as a non-native speaker is costly. Here are the most common traps.
Bank Bundling
Banks bundle expensive insurance with mortgages. You are rarely obligated to accept — and switching can save you 30–50% on premiums.
Language Barriers
Policies in Portuguese can hide exclusions and restrictions. We explain everything in plain English so you know exactly what you are covered for.
No Comparison Shopping
Going direct means you only see one company's price. We compare the entire market to find the actual best rate for your profile and needs.
What we specialise in
We focus exclusively on life insurance and mortgage protection — two areas where expats consistently overpay.
Life Insurance
Protect your family's future with term or whole-of-life cover. We find the best rates for your age, health, and situation — often saving hundreds per year.
Learn moreMortgage Protection
Switch your bank's insurance and save up to 50% on premiums. Upgrade from basic IAD to comprehensive ITP coverage — it is your legal right.
Learn moreHow it works
Getting better cover at a lower price is quick and straightforward.
Tell us about your needs
Fill out a short form or call us. We speak English and Portuguese.
We compare leading insurers
We shop the market — Allianz, Fidelidade, Generali and more — to find competitive options.
You choose and get covered
We handle the paperwork and coordinate with your bank if needed. You save money with better cover.
Trusted insurers we work with
Frequently asked questions
Yes, most Portuguese lenders require life cover (seguro de vida) for mortgage approval. Mortgage protection is typically the required product — but you don't have to accept the bank's offer.
Yes. We work with residents, expats, and many categories of non-residents. Eligibility depends on your residency status and the insurer's underwriting criteria.
On average, clients save 30–50% on premiums by switching to an independent broker. For a typical €200,000 mortgage, that can mean savings of €2,000–€5,000 over the life of the loan.
IAD (Invalidez Absoluta e Definitiva) only pays out if you are in a vegetative state. ITP (Invalidez Total e Permanente) pays out if you simply cannot work in your profession — a much lower threshold and much better protection.
Often within a few business days. Complex cases involving medical underwriting may take a little longer, but we keep you informed throughout.
Ready to stop overpaying?
Get a free, no-obligation quote from a licensed advisor. We will compare the market and get back to you within one business day.
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