Save up to 70% on your Mortgage Life Insurance in Portugal
- We compare the best life cover deals on the Portuguese market
- We handle everything. Fully independent, at no cost to you
- We help reduce your monthly outgoings while maintaining or even improving your level of cover
Get your best mortgage life insurance quotes within 24 hours!
Real savings: see how much others are paying less
Examples based on policies providing 100% capital cover of the outstanding balance for each policyholder
Is saving up to 70% on your mortgage life insurance really achievable?
Absolutely. Every savings example shown on this page is based on real cases.
We work exclusively with specialist life insurers whose core business is mortgage life cover. Their focus is straightforward: provide the policyholder with the best possible protection at the most competitive premium.
These specialist insurers consistently deliver lower premiums than the bank-arranged alternatives, and in most cases with broader policy benefits and stronger cover for the life assured.
The competitive pressure from these insurers has also started to influence the wider market: a growing number of composite insurers are now adjusting the rates they offer on new business as a result.
Won't my bank increase my mortgage repayment if I take life cover elsewhere?
If you are taking out a new mortgage, you should always arrange your life cover independently, not through the bank.
In practice, banks negotiating new mortgage terms accept life cover arranged with an independent insurer, without penalising your agreed margin (spread).
Even where a bank offers a spread discount in exchange for taking its bundled life policy, a straightforward calculation almost always shows that the premium saving from choosing an independent insurer outweighs any benefit from the reduced margin.
We therefore recommend obtaining independent life insurance quotes before finalising any mortgage offer, then negotiating directly with your bank from a fully informed position.
With potential savings of up to 70% over the life of your mortgage, plus the freedom to review and switch your cover at any renewal, you retain complete flexibility and control.
GET IN TOUCHFrequently asked questions
Yes. In the vast majority of cases, our remuneration is paid by the insurer. You pay nothing extra. Our fee does not affect the premium you are quoted.
Within 24 hours. Depending on your enquiry, we will often be in touch sooner.
A broker has access to the whole of the market. We compare multiple quotes, assess the policy terms and conditions, and negotiate on your behalf, giving you the best combination of premium and cover for your individual circumstances.
Not at all. You are completely free to decline. Our role is to advise; the decision is entirely yours.
Yes. You can replace your existing mortgage life policy at any time, subject to the notice period set out in your current contract. In most cases, the switching process is straightforward and completed quickly.
It depends on your personal profile, but we regularly present real cases where policyholders save up to 70% compared with their bank-arranged cover.
Once we have your details, we obtain quotations from a panel of insurers, compare the premium and the scope of cover, and present you with the most competitive and suitable options.
Yes. All information you provide is handled in strict accordance with the GDPR and is never shared with third parties without your explicit consent.
About DS Seguros Lisboa Anjos
DS Seguros Lisboa Anjos is part of the DS Seguros brand, owned by Grupo Decisões e Soluções, an established Portuguese insurance intermediary group with over 20 years' experience in the Portuguese market. Your financial protection starts here.
Our location
Rua do Zaire, nº 14 C
1170-398 Lisbon, Portugal