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The Best Life Insurance for Your Mortgage FOR YOU!

Cafimo can offer you financial strategies that best adapt to your needs.

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MetLife
April
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Why take out life insurance?

Life insurance is not a legal requirement when taking out a mortgage. However, it will be practically impossible to obtain bank approval without this insurance. It protects the banking institution against non-payment risks related to a serious health problem. The borrower's insurance contract reimburses the entire mortgage in case of permanent insolvency or reimburses the loan in case of temporary impossibility.
Why life insurance
Health declaration

What is the health declaration?

The insurer requests information about your personal and professional situation, as well as your health status. For this purpose, a simple medical questionnaire is usually requested. It allows evaluating whether the insurer accepts you, with additional premiums based on higher risk, or rejects your application.
The factors that influence a more thorough examination are age, loan value, and questionnaire responses. Complementary exams such as blood tests or electrocardiograms may be performed at insurer-selected medical centers at no cost to the insured.
Factors that influence the evaluation
  • ✓Age of the applicant
  • ✓Loan value
  • ✓Questionnaire responses
  • ✓Complementary exams

When to take out life insurance for a mortgage?

Life insurance accompanies the life of your mortgage: it is taken out at the same time as the loan and expires with it. To obtain a mortgage, in most cases, it is necessary to take out insurance for the entire loan period. You must update the outstanding capital throughout the life of the loan. For example, the value and duration of the loan are information necessary to calculate the premium amount of your insurance.
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Frequently Asked Questions

Frequently Asked Questions

CAFIMO specializes in serving international clients seeking real estate opportunities in Portugal. We offer a comprehensive and personalized service, ...
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Why choose CAFIMO?

CAFIMO specializes in serving international clients seeking real estate opportunities in Portugal. We offer a comprehensive and personalized service, adapted to each client's needs. Our services are completely free for clients. Our multilingual and culturally diverse team eliminates language and cultural barriers. By contacting us, we begin the personalized planning of your real estate project.

The advantages of choosing a credit intermediary include: in-depth knowledge of the credit market, access to multiple lenders, customized solutions, time and cost savings, advocacy and negotiation on your behalf, navigation of complex situations, and specialized support throughout the process.

A credit intermediary is a natural or legal person who intermediates between parties in a transaction, facilitating agreements through their knowledge, information, and assistance.

CAFIMO receives commissions for referring clients to its financial partners. The service is completely free for the client.

Banking Partners

We Work With the Best Banks

Novo Banco
CGD
EuroBic
BPI CaixaBank
Santander
Bankinter
Banco CTT
EuroBic Grupo ABANCA
UCI
Crédito Agrícola
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Chief Executive Officer

James Thompson

Emily Johnson is a highly respected investment strategist with over 15 years of experience in the financial sector. Specializing in portfolio management and long-term investment planning, she is dedicated to helping businesses and individuals achieve their financial goals. Emily employs a strategic and personalized approach, tailoring investment solutions to each client’s unique financial needs. Her commitment to delivering results and promoting financial growth makes her a key member of our team, guiding clients toward sustainable and profitable investments.

Infomation

AGE:
28 years old
EMAIL:
themesflat@gmail.com
WHATSAPP:
(555) 123-4567
FROM
Los Angeles,California

Experience

EDUCATION:
Master's in Finance from
Harvard University
EXPERIENCE:
Goldman Sachs
JP Morgan
AWARDS:
Top Investment of the Year
Excellence in Financial
Planning
YEARS OF EXPERIENCE:
15 years

CAFIMO

CAFIMO supports Portuguese and international clients in their real estate financing projects in Portugal. We work with multinational clients, earning their income in Portugal or abroad, and structure tailored solutions in credit and insurance, with rigour, discretion and a high level of service. In nearly 5 years, we have supported over 2,000 clients, financed more than half a billion euros and built a network of over 15 partners.

Contact Information

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