Updated September 28, 2026 · SumCue Editorial Team
Income Insurance vs Porto Seguro
Income Insurance
Porto Seguro
Higher score in this comparison
Where Income Insurance and Porto Seguro differ
| Compare | Income InsuranceReviewVisitVisit | Porto SeguroReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | SGD 0.60 | R$19.90 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle | Auto, Home, Life, Health, Travel, Pet, Motorcycle, GadgetCovers more |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Mobile app, Whatsapp, Phone, Email |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | Policy holder over 18 for phone insurance (Seguro Celular) |
| Monthly payments | Not confirmed | Yes |
| Excess from | SGD 250 | Not confirmed |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 9.4.
- Insurance types: only Porto Seguro offers Gadget.
- Claims channels: only Income Insurance offers Online form, Customer portal.
- Claims channels: only Porto Seguro offers Whatsapp.
- Support channels: only Porto Seguro offers Chat.
Our verdict on each
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Porto Seguro
Porto Seguro suits Brazilian households who want one insurer plus a bank and a card in the same place, with premiums from BRL 19.90 and monthly payments available. Its credit card carries an annual fee of BRL 39 and its lending runs through its own bank, so costs sit alongside the cover.
Score breakdown
| Area | Income Insurance | Porto Seguro |
|---|---|---|
| Cost | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. | 9.3HigherPremiums start at BRL 19.90, and the credit card adds an annual fee of BRL 39 with a currency conversion fee of 0%. |
| Offer | 9.5 | 9.7Higher |
| Trust | 9.5 | 9.5 |
Side by side, item by item
| Insurance types | Income Insurance | Porto Seguro |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Gadget | No | Yes |
Where each is licensed and available
| Country | Income Insurance | Porto Seguro |
|---|---|---|
| Brazil | Not confirmed |
Additional countries for Income Insurance: 1. Additional countries for Porto Seguro: 1.
Where they rank in our lists
| Ranking | Income Insurance | Porto Seguro |
|---|---|---|
| Insurance | 15 of 627 | 74 of 627 |
| Life insurance | 4 of 238 | 29 of 238 |
| Health insurance | 5 of 200 | 24 of 200 |
| Car insurance | 3 of 279 | 31 of 279 |
| Home insurance | 4 of 258 | 30 of 258 |
| Travel insurance | 8 of 278 | 45 of 278 |
| Pet insurance | 3 of 157 | 15 of 157 |
Every fact side by side
| Fact | Income Insurance | Porto Seguro |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | Singapore | Brazil |
| Founded | 1970 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, EmailCovers more |
Savings
| Fact | Income Insurance | Porto Seguro |
|---|---|---|
| Term | Not confirmed | up to 60 months |
Credit cards
| Fact | Income Insurance | Porto Seguro |
|---|---|---|
| Annual fee | Not confirmed | R$39 |
| Currency conversion fee | Not confirmed | 0% |
| Rewards type | Not confirmed | Points |
| Features | Not confirmed | Rewards |
| Rewards rate | Not confirmed | 1.0 point per dollar spent (Gold); up to 3.5 points per dollar (Black and Infinite) |
| Perks | Not confirmed | IOF Zero on international purchases, Airport VIP lounge access, 6 free entries per year on Black and Infinite cards, Free toll tag, Shell Box fuel discount of up to BRL 0.15 per litre, Up to 15% off Seguro Auto, Points redeemable for airline miles from 20,000 points, First year of annual fee free on the first card, Annual fee instalment waived with monthly card spending of up to BRL 3,499.99 on Gold |
| Card kind | Not confirmed | Credit |
Loans
| Fact | Income Insurance | Porto Seguro |
|---|---|---|
| Lender type | Not confirmed | Direct lender |
| Loan types | Not confirmed | Personal, Car, Secured, Business |
Pros and cons
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
Porto Seguro
Pros
- One insurer covers auto, home and life in one place
- Monthly payments are available, so premiums can be spread
- Claims run through mobile app, whatsapp and phone, including WhatsApp and a mobile app
Cons
- The card's annual fee of BRL 39 applies alongside a first year free offer only on the first card
- Policy holders on phone insurance must be over a minimum age
Who each suits
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
Porto Seguro
Who it suits
- Households in Brazil who want auto, home, life, health, travel, pet, motorcycle and gadget cover from one insurer
- People who want monthly payments rather than a single annual premium
- Card customers who spend abroad and want points rather than cashback
Who should look elsewhere
- Anyone wanting a single-purpose savings account, where Linxea is the more focused option
- People outside Brazil, since the insurer and its bank are Brazilian
- Borrowers who want long fixed terms, as lending tops out at up to 60
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | Income Insurance | Porto Seguro |
|---|---|---|
| Brazil | No | Yes |
| Singapore | Yes | No |
Questions about each
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
Porto Seguro
What does Porto Seguro cover?+
It is an insurer covering auto, home, life, health, travel, pet, motorcycle and gadget policies, listed under auto, home and life. Cover sits with the group rather than a broker, so policies come direct from the insurer.
How much are premiums?+
Premiums start at BRL 19.90 on the entry plans, and monthly payments are available, so cover can be paid for across the year rather than in a single charge. The policies sit under auto, home and life.
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Income Insurance
Porto Seguro