For the purposes of the provisions of paragraph 1 and 2 of article 4 of Decree-Law no. 384/2007, of 19 November, we inform that:

In the absence of a beneficiary designation, legal heirs will be considered beneficiaries under the additional terms defined in the General Conditions of the policy and in the Legal Regime of the Insurance Contract.

In life or personal accident insurance, whenever the policyholder designates beneficiaries in the event of death who are not legal heirs, he or she must indicate the following identification elements of the beneficiaries:

• Name or designation (complete);
• Address;
• Tax ID;
• Identity Card / Citizen Card.

Any missing or inaccurate identification details of the beneficiary(ies) may make it impossible for the Insurer to comply with the information and notification duties provided for in the Law, with a view to paying the insured capital.

Said circumstance may also make it impossible for the insurer to comply with the legal obligations to include details concerning the beneficiary(ies) in the event of death in the database containing the central register of life insurance contracts, personal accident contracts, and capital redemption operations, managed by the Insurance and Pension Funds Supervisory Authority.

You can request information or change the beneficiary(ies) with your Broker or with this Insurer.