{"id":469,"date":"2025-02-23T00:00:00","date_gmt":"2025-02-23T00:00:00","guid":{"rendered":"https:\/\/exs.suba-agency.com\/descubra-o-calculo-do-valor-remanescente-no-seguro-de-vida-habitacao\/"},"modified":"2026-06-22T15:27:38","modified_gmt":"2026-06-22T15:27:38","slug":"find-out-how-to-calculate-the-remaining-value-of-your-home-life-insurance-policy","status":"publish","type":"post","link":"https:\/\/preview-exs.suba-agency.com\/en\/blog\/find-out-how-to-calculate-the-remaining-value-of-your-home-life-insurance-policy\/","title":{"rendered":"Learn how to calculate the Residual Value in Home Life Insurance"},"content":{"rendered":"<p>Learn how to calculate the Residual Value in Home Life Insurance<\/p>\n<h3>Introduction<\/h3>\n<p>O\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">life and home insurance<\/a> It is a crucial component of financial protection for homeowners. This type of insurance ensures that, in the event of the death or disability of the insured individuals, the mortgage debt will be paid off, preventing family members from inheriting that liability. It is possible that after the loan amount has been paid off, there will be surplus funds\u2014we refer to this amount as the \u201cremaining balance,\u201d and it is paid to the beneficiaries. In this article, we will explore in detail how this calculation is performed.<\/p>\n<p><img decoding=\"async\" title=\"Learn how to calculate the Residual Value in Home Life Insurance\" src=\"https:\/\/admin.exs.pt\/uploads\/credito01_d61f547284_16323b36cc.webp\" alt=\"Learn how to calculate the Residual Value in Home Life Insurance\" \/><\/p>\n<h3>How is the remaining amount calculated?<\/h3>\n<p>The calculation of the remaining value of the\u00a0<a href=\"\/en\/safe\/housing-and-living\/\">life insurance and mortgage insurance<\/a>\u00a0It is nothing more and nothing less than the difference between the insured principal amount and the outstanding principal balance. In other words, in the event of a claim, the loan balance is paid off. However, it is common for the outstanding balance with the bank to already be less than the insured amount. In that case, the remaining amount is paid to the beneficiaries named in the policy, usually the legal heirs.<\/p>\n<h3>The Role of Amortization in Calculating Residual Value<\/h3>\n<p>Amortization refers to the process of repaying the principal of a loan over time. It is common for the insured principal amount not to be kept up to date with the outstanding balance at the bank. This adjustment is typically made automatically on an annual basis, so there may be some discrepancy. This difference is what we call the \u201cremaining value,\u201d which is paid to the policy beneficiaries in the event of a claim.<\/p>\n<h3>Remaining value as financial protection<\/h3>\n<p>We\u2019ve already discussed briefly how the remaining principal amount is calculated, and we know that it results from a \u201cdiscrepancy\u201d between the insured principal amount and the loan principal. We also know that this difference is paid to the beneficiaries. It is therefore possible to use this remaining amount as a financial protection strategy for the beneficiaries. In other words, if you want your family to receive some extra money after the loan is paid off, you can choose not to adjust the principal amount, thereby always having an \u201cextra cushion\u201d of protection.<\/p>\n<h3>A practical example<\/h3>\n<p>Let\u2019s imagine that the outstanding principal is 200,000.00\u20ac and 10,000\u20ac is paid off each year. After 10 years, a tragedy occurs. If you had opted for a traditional adjustment, the amount owed to the bank would have been \u20ac100,000.00 and the insured principal would also have been \u20ac100,000, leaving no surplus: the loan would have been paid off with the bank, but the beneficiaries would not have received any additional amount. If you choose not to increase the principal, the amount owed to the bank would be \u20ac100,000.00, and the insured amount would remain at \u20ac200,000.00. Thus, the loan amount was paid off, and the remaining \u20ac100,000 would be paid to the beneficiaries.<\/p>\n<p><img decoding=\"async\" title=\"Learn how to calculate the Residual Value in Home Life Insurance\" src=\"https:\/\/admin.exs.pt\/uploads\/credito2_d61f547284_700ac08619.webp\" alt=\"credito2_d61f547284.webp\" \/><\/p>\n<h3>Conclusion<\/h3>\n<p>Understanding how to calculate the remaining coverage amount on a home life insurance policy enables better financial management, helping you understand the policy\u2019s value and ensure adequate protection for your beneficiaries.<\/p>\n<p>When making a<a href=\"\/en\/safe\/housing-and-living\/\"> life insurance linked to a mortgage<\/a>\u00a0Through EXS, you can save up to 60% compared to your current insurance or the policy offered by the bank.<br \/>\nTo explore our offers and find the best life insurance policy, use our simulator. With just a few details, you can request a free life insurance quote. Our team will contact you to gather more information and, based on an analysis of the most competitive insurance companies in Portugal\u2014including Asisa, Real Vida, UnaSeguros, April, Metlife, Tranquilidade, and others\u2014we\u2019ll present the solution that best fits your needs.<\/p>","protected":false},"excerpt":{"rendered":"<p>Descubra o c\u00e1lculo do Valor Remanescente no Seguro de Vida Habita\u00e7\u00e3o Introdu\u00e7\u00e3o O\u00a0seguro de vida habita\u00e7\u00e3o \u00e9 uma componente crucial na prote\u00e7\u00e3o financeira dos propriet\u00e1rios de<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":1,"featured_media":470,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[21],"tags":[],"class_list":["post-469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vida-credito-habitacao"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Descubra o c\u00e1lculo do Valor Remanescente no Seguro de Vida Habita\u00e7\u00e3o - EXS Seguros<\/title>\n<meta name=\"description\" content=\"A EXS faz a ponte entre os seus clientes e as Seguradoras em Portugal, garantindo as solu\u00e7\u00f5es de Seguro vantajosas que se ajustam \u00e0s suas necessidades.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta 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