Life Insurance Mortgage
Protect your family and assets. Find the best coverage in just 2 minutes.
Save up to 60%Insurance outside the bank, with more coverage and lower cost.
100% online processChoose the coverage, set the capital, and activate your Insurance without leaving home.
Multiple insurersWe work side by side with the leading insurers operating in Portugal.
ASF Autoridade de Supervisão de Seguros e Fundos de Pensões
CRRF – BROKERAGE, LDA is registered with the ASF (Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, under no. 421571530, authorized for Life and Non-Life branches, verifiable at www.asf.com.pt. The insurance mediator does not assume risk coverage, does not have the power to enter into contracts on behalf of insurers, and is not authorized to receive premiums to be delivered to insurers. CRRF – BROKERAGE, LDA operates under the national brand "CrediSegur", registered with the INPI under no. 668183Life Insurance: Protect your family and assets
It is very likely that when you take out a Mortgage, a Life Insurance will be required
Complementary Coverages
IAD - Absolute and Permanent DisabilityDisability ≥ 80%, total dependence on others for basic care
ITP/IDPAC - Total and Permanent Disability/ Definitive Disability for the Profession or Compatible ActivityDisability ≥ 60%, caused by an accident or serious illness
Get more coverage at a lower price
Take out Life Insurance outside the bank and save up to 60%!
Play
Illustrative exampleLife Insurance — Mortgage
José and Marina changed their life insurance with CrediSegur
In this example, they managed to save over €9,300José and Marina are a fictional character, created for illustrative purposes — they do not correspond to a real case.
With insurance outside the bank they save€9,396.00Total savings (27 years)
Monthly savings€29.00
Annual savings€348.00
Initial scenario (example)Simulated scenario (example)
Coverages
Death + IAD
Death + ITP 60%
Sum insured(example)
€150,000.00
€150,000.00
Monthly premium
€68.00
€39.00
Remaining term
27 years
27 years
Expected total cost(27 years)
€22,032.00
€12,636.00
IAD = Absolute and Permanent Disability.
ITP 60% = Total and Permanent Disability of 60% or more. It may not be equivalent to IAD — always confirm the definitions and exclusions of each coverage before deciding.
With insurance outside the bank they save€9,396.00Total savings (27 years)
Monthly savings€29.00
Annual savings€348.00
How does it work?
Simple, fast, and secure
01
Make a simulation in our comparator with your data
02
Choose the best option
03
A dedicated manager will contact you
04
Confirm the basic and additional coverages: death and disability
05
Define the insured amount, equal to or greater than the value of the Mortgage loan
06
Answer the health questionnaire
07
Approval by the insurer and acceptance of the policy conditions
08
Issuance of the policy with start date, at the time of signing, or on a date indicated to replace the current Life Insurance
Choose to protect your family, home, car, business, and health!
Find the best coverage in just 2 minutes
4.9/5
It is insurance that financially protects your family in case of death or disability, ensuring stability in a difficult time.
It is not legally required, but it is usually demanded by banks in Mortgage Loans as additional security.
IAD (Absolute and Definitive Disability) is only activated in very serious situations, with total dependence on others.ITP (Total and Permanent Disability) is activated from 60% disability, being a more comprehensive coverage.At CrediSegur, we explain which additional coverage makes the most sense for your case.
Yes. And, in many cases, this allows for significant savings while maintaining the same coverages required by the bank.
Yes. Even with the loan in progress, you can transfer the insurance outside the bank and save.
Age, profession, health status, insured amount, type of coverage (IAD or ITP), and lifestyle habits.
It depends on the insurer's conditions. Some situations may be excluded. We analyze everything with you before contracting.
Yes. In mortgage loans, it is common to include both holders.
The insurance can be adjusted or canceled, as long as you meet the bank's requirements (if it is associated with credit).
No. Our service is completely free for the client. Our fees are paid by financial institutions. We handle the entire process for you.
Free