Life insurance · Brazil
Life insurance in Brazil for your family's new chapter
Your life moved to Brazil; your protection should too. Flexible local policies with living benefits, explained in English and built around what your family actually needs here.
Get my life insurance quoteLocal protection that pays out in Brazil
If your life is now based in Brazil, a local policy pays your family here, in reais, without international probate friction. It complements, not replaces, any coverage you keep in your home country.
Living benefits, not just death cover
Modern Brazilian policies pay you while alive: critical illness lump sums on diagnosis, disability coverage and daily income protection if an accident or illness keeps you from working.
Tax treatment your family will thank you for
Under Brazilian law, life insurance payouts are exempt from income tax and do not go through probate (inventario), reaching your beneficiaries directly and quickly.
Porto Seguro's flexible policy
With Porto Seguro's individual life line you choose the coverages and amounts: death, accident disability, critical illness and income protection, plus extras such as 24h telemedicine and a monthly prize draw, according to the insurer.
Coverage
Build the policy around your life
Available coverages and limits vary by insurer and plan; we also quote other leading life insurers when it benefits you. Final conditions in your personalized quote.
FAQ
Life insurance questions from expats
Can a foreigner buy life insurance in Brazil?+
Generally yes, with a CPF and residence in Brazil. Insurers assess age, health and occupation as usual. We check eligibility for your specific case before any commitment.
I already have life insurance abroad. Do I need a Brazilian policy?+
They serve different purposes. A local policy pays quickly, in reais, to beneficiaries in Brazil, and adds living benefits like critical illness and income protection valid here. Many clients keep both: global coverage abroad and a Brazilian layer for local life.
Who can be my beneficiary?+
You choose freely: spouse, children, family abroad or anyone you designate. Payouts are exempt from income tax in Brazil and bypass probate, so the money reaches them without a court process.
Does it cover me when I travel outside Brazil?+
Life coverage generally applies worldwide once the policy is active, with the exclusions listed in the contract. We walk you through the general conditions in English before you sign.
How much does it cost?+
Premiums depend on age, health, occupation and the coverage amounts you choose. Policies are modular, so you can start lean and expand. Quotes are free and personalized; there is no fixed price table.
Protect your family where your life is now
Free personalized quote, in English, with no commitment.
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