Insurance
Insurance That Protects What Matters Most
Clear, tailored coverage for life, health, and home in Portugal — with independent guidance.
We review insurer quotes, explain conditions, and help you choose confidently.
The Right Coverage for Your Life in Portugal
Choose the policy type below — we’ll compare insurer offers and handle the details.
Health Insurance
Private Healthcare, Clear and Flexible
Access private hospitals and clinics with plans that fit your lifestyle. We compare cover limits, co-pays, networks, and waiting periods so you know exactly what’s included.
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Tailored plans for residents and non-residents
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Clear guidance on deductibles and exclusions
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Support with enrollment and ongoing changes
Ready to explore options that fit your needs?
Life Insurance
Financial Security for Your Loved Ones
Protect your family and commitments with a policy aligned to your goals. We help define the right insured amount, term, and premium structure — and explain how medical underwriting works.
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Term life with flexible durations
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Mortgage-linked or standalone policies
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Transparent costs and conditions
Let’s match coverage to your goals
Home & Contents
Home & Contents
Whether owner-occupied, holiday use, or investment property, we structure building and contents cover that makes sense — including liability and optional add-ons.
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Building, contents, and civil liability
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Landlord options and short-term rental considerations
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Clear claims process and support
Tell us about your property and usage.
*Independent, licensed insurance broker comparing offers from multiple insurers.
Why Work with an Insurance broker?
Independent Advice. Better Fit. Less Hassle.
We act as your advocate with insurers — from comparing quotes to policy servicing.
Multiple Insurers, One Application
Compare offers side-by-side without chasing different providers.
Clarity on Cover
We explain limits, co-pays, exclusions, and claims so there are no surprises.
Expat-Friendly
Guidance in English and support tailored to international clients.Clear explanations, document checklists, and support in English.
Ongoing Support
Policy updates, renewals, and claims assistance when you need it.nd stakeholders.
No Extra Cost to You
Our remuneration is paid by the insurer under standard market practice.
How it works?
We like to make it easy
1
Share your needs
Tell us about your situation and priorities via the form.
2
We compare and advise
We review insurer quotes, explain options, and recommend a fit.
3
You choose — we handle the rest
We manage enrollment, documents, and policy servicing.
Do I pay anything for your service?
Do I pay anything for your service?
No. As a licensed insurance intermediary (agent category), we are remunerated by insurers. Clients do not pay fees to us for mediation. You may request information about our remuneration at any time.
Who actually issues and underwrites the policy?
Who actually issues and underwrites the policy?
The insurer. As an insurance mediator, we do not assume risk, do not sign contracts on behalf of insurers, and are not authorised to receive premiums for delivery to insurers. Our role is to advise you, compare offers, and handle the process.
Who are you regulated by?
Who are you regulated by?
We operate under DS Seguros (Decisões e Soluções – Intermediários de Crédito, Lda.), a licensed insurance intermediary (Agent) registered with ASF and authorised for Life and Non-Life (reg. no. 409311648/3, verifiable on ASF’s register).
Are you independent or tied to one insurer?
Are you independent or tied to one insurer?
We act on behalf of the client and base advice on an impartial analysis of a sufficient number of contracts in the market. We’re not contractually obliged to work exclusively for one insurer.
Is life insurance mandatory for a Portuguese mortgage?
Is life insurance mandatory for a Portuguese mortgage?
Not by law. However, most banks require life insurance as a lending condition to protect the loan, so it’s common in practice. We’ll explain what cover is typically requested and how it affects pricing.
Can I take the life (and home) insurance outside the bank?
Can I take the life (and home) insurance outside the bank?
Yes. You may choose an insurer outside the lending bank as long as cover is equivalent to the bank’s minimum requirements. Banks may offer a lower spread if you use their recommended insurer, which is allowed; we’ll compare the trade-offs so you can decide.
Which insurers do you work with?
Which insurers do you work with?
We work with a broad panel of reputable insurers in Portugal (e.g., Fidelidade, Tranquilidade/Generali, Zurich, Allianz, MAPFRE, MetLife, VICTORIA, among others), allowing us to match coverage and price to your profile.
Do you help after the policy starts?
Do you help after the policy starts?
Yes. Our support doesn’t end at inception — we assist throughout the life of the policy, including updates and claims guidance.
How long does it take to activate coverage?
How long does it take to activate coverage?
Timings depend on underwriting and documents. We’ll set clear expectations after reviewing your case (and explain any waiting periods or exclusions).
What languages do you support?
What languages do you support?
English, Portuguese, and a little bit of French. We keep communication simple and transparent.
Data & privacy
Data & privacy
Your information is used only to assess coverage with partner insurers.