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It’s essential to consider the coverage, the strength of the insurance company, and how the price evolves throughout the policy’s lifetime. We help you choose the best insurance for you and your family.
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You’ll have access to a consultant for clarification and in-depth analysis of your insurance whenever you need it.
We will thoroughly assess the best insurance solution for you in partnership with our trusted insurance providers.
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We support you from the beginning of the subscription process through to the finalisation of your life insurance. We handle all the paperwork for you.
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faq
Mortgage Life Insurance is a contract signed between an insurance company or a bank and the policyholder. Its main coverage includes the risk of death, survival (or both), and it is usually taken out when applying for a mortgage loan to purchase a property.
By taking out Life Insurance linked to your mortgage loan, you ensure that the outstanding debt is paid off at the time of the claim. This means your family will have greater peace of mind and financial stability in the event of an accident that results in the death or disability of the policyholder.
The main advantage of taking out insurance with Athenas is the savings, as you gain access to the best solution at the best rate, following a thorough market comparison. Our brokerage works with over 20 insurance companies, allowing us to combine market offers and select the one that best suits the client’s profile. In addition to potential savings of up to 60%, you will always have the support of our experienced professionals when transferring insurance between institutions.
The amount to be paid is calculated based on the outstanding loan amount, the contracted coverages, the age of the insured individuals, their health status, and their profession. Although the premium tends to decrease as the mortgage debt is repaid, age is a factor that increases the cost of the insurance. The older you are, the higher the risk for the insurer, and therefore, the premium tends to rise over the years. Always analyse how the premium evolves throughout the contract to ensure you’re getting the best coverage-to-premium ratio.
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Registered Insurance Broker since 27.01.2007 with the Portuguese Insurance and Pension Funds Supervisory Authority (ASF) as an Insurance Agent under no. 407161420/3, in Life and Non-Life branches. Verifiable at www.asf.com.pt – VAT: 505 205 700 Share Capital: €10,000 – Member of APROSE under no. 0659, verifiable at www.aprose.pt. The products hereby promoted are the sole responsibility of the Insurance Companies that developed them, with all risk and claim payments being fully assumed by those companies and never by Athenas Seguros, whose role is solely to promote and market them.
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