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Vantagem Profissão

Receive more than just a salary

Your profession gives you access to advantages by transferring your salary and requesting the activation of the Vantagem Profissão (Profession Advantage)
Your profession gives you access to advantages by transferring your salary and requesting the activation of the Vantagem Profissão (Profession Advantage)
Know more

More benefits for employees

Receiving your salary at Millennium brings you benefits

Girl with arms in the air sitting on a sofa Girl with arms in the air sitting on a sofa
Give your salary a little extra By bringing your salary of €900 or more to Millennium, between January 16th and April 15th, 2025, you'll receive 20% of the salary amount¹, on the credit card linked to your account - TAEG 15.4%4 - up to a maximum of €450. You must receive two consecutive salary payments by May 31st, 2025.

Campaign valid from January 16th to April 15th, 2025. Learn more
Discount on the account maintenance fee package3 Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
Discount on the account maintenance fee package3 Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
Couple sitting on a sofa in a room full of cardboard boxes Couple sitting on a sofa in a room full of cardboard boxes
Preferential spread after the first two years Plus a 50% reduction on the file fee (€290 + VAT without reduction) and formalization fee (€200 + VAT without reduction), with optional associated sales5.
Couple sitting on a sofa in a room full of cardboard boxes Couple sitting on a sofa in a room full of cardboard boxes
Preferential spread after the first two years Plus a 50% reduction on the file fee (€290 + VAT without reduction) and formalization fee (€200 + VAT without reduction), with optional associated sales5.
Girl smiling, with cell phone in hand, sitting on the sofa Girl smiling, with cell phone in hand, sitting on the sofa
And an extra bonus if you open an account in the app If you're not yet a Customer and open an account² in the Millennium App with your Digital Mobile Key (CMD), with a minimum deposit of €250, you'll receive an additional €50 in your account.

Campaign valid from January 1st to April 15th, 2025. Open account
young couple each sitting on a zero young couple each sitting on a zero
Zero has never been worth so much Unlock preferential conditions on mortgage solutions5.

Credit subject to approval. Calculate mortgage
young couple each sitting on a zero young couple each sitting on a zero
Zero has never been worth so much Unlock preferential conditions on mortgage solutions5.

Credit subject to approval. Calculate mortgage
Girl with arms in the air sitting on a sofa Girl with arms in the air sitting on a sofa
Give your salary a little extra By bringing your salary of €900 or more to Millennium, between January 16th and April 15th, 2025, you'll receive 20% of the salary amount¹, on the credit card linked to your account - TAEG 15.4%4 - up to a maximum of €450. You must receive two consecutive salary payments by May 31st, 2025.

Campaign valid from January 16th to April 15th, 2025. Learn more
Girl smiling, with cell phone in hand, sitting on the sofa Girl smiling, with cell phone in hand, sitting on the sofa
And an extra bonus if you open an account in the app If you're not yet a Customer and open an account² in the Millennium App with your Digital Mobile Key (CMD), with a minimum deposit of €250, you'll receive an additional €50 in your account.

Campaign valid from January 1st to April 15th, 2025. Open account
Discount on the account maintenance fee package3 Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
young couple each sitting on a zero young couple each sitting on a zero
Zero has never been worth so much Unlock preferential conditions on mortgage solutions5.

Credit subject to approval. Calculate mortgage
Discount on the account maintenance fee package3 Take advantage of reduced fees on the Integrated Banking Products and Services Solutions: Cliente Frequente6 or Prestige Program7.
young couple each sitting on a zero young couple each sitting on a zero
Zero has never been worth so much Unlock preferential conditions on mortgage solutions5.

Credit subject to approval. Calculate mortgage
Couple sitting on a sofa in a room full of cardboard boxes Couple sitting on a sofa in a room full of cardboard boxes
Preferential spread after the first two years Plus a 50% reduction on the file fee (€290 + VAT without reduction) and formalization fee (€200 + VAT without reduction), with optional associated sales5.
Couple sitting on a sofa in a room full of cardboard boxes Couple sitting on a sofa in a room full of cardboard boxes
Preferential spread after the first two years Plus a 50% reduction on the file fee (€290 + VAT without reduction) and formalization fee (€200 + VAT without reduction), with optional associated sales5.

Integrated banking products and services solutions

Everything you need, for less

Woman looking at her phone, with a cerise box overlaid containing the text "€4 (instead of €5) or €6 monthly account maintenance fee" Woman looking at her phone, with a cerise box overlaid containing the text "€4 (instead of €5) or €6 monthly account maintenance fee"
Cliente Frequente A complete solution with free transfers and MB WAY, plus no card issuance fees. View solution
Lady wearing pink pants and sweater, sitting and smiling, with a cerise box overlaid containing the text "€4 (instead of €5 or €6) monthly account maintenance fee" Lady wearing pink pants and sweater, sitting and smiling, with a cerise box overlaid containing the text "€4 (instead of €5 or €6) monthly account maintenance fee"
Programa Prestige The account for those seeking exclusivity, including free transfers, no card issuance fees, and much more. View solution
Woman looking at her phone, with a cerise box overlaid containing the text "€4 (instead of €5) or €6 monthly account maintenance fee" Woman looking at her phone, with a cerise box overlaid containing the text "€4 (instead of €5) or €6 monthly account maintenance fee"
Cliente Frequente A complete solution with free transfers and MB WAY, plus no card issuance fees. View solution
Lady wearing pink pants and sweater, sitting and smiling, with a cerise box overlaid containing the text "€4 (instead of €5 or €6) monthly account maintenance fee" Lady wearing pink pants and sweater, sitting and smiling, with a cerise box overlaid containing the text "€4 (instead of €5 or €6) monthly account maintenance fee"
Programa Prestige The account for those seeking exclusivity, including free transfers, no card issuance fees, and much more. View solution

For Plano Vantagem Profissão

Enjoy benefits in insurance as well

Six wooden cubes with health-related drawings, stacked on top of each other to form a pyramid
Médis Insurance (health) Options 1, 2, 3, Vintage, or Vintage Plus

Exemption of the 12th and 24th monthly payments in the first two years
Other insurance 10% discount throughout the entire contract period on YOLO! (life), Móbis (auto), HOMIN (home), Pétis (pet), Volta/Volta 55+ (personal accidents), and Travel insurance
Four smiling wooden figures representing a family, and check boxes next to icons for house, car, and health
Six wooden cubes with health-related drawings, stacked on top of each other to form a pyramid
Médis Insurance (health) Options 1, 2, 3, Vintage, or Vintage Plus

Exemption of the 12th and 24th monthly payments in the first two years
Four smiling wooden figures representing a family, and check boxes next to icons for house, car, and health
Other insurance 10% discount throughout the entire contract period on YOLO! (life), Móbis (auto), HOMIN (home), Pétis (pet), Volta/Volta 55+ (personal accidents), and Travel insurance
Learn more about Millennium insurance and take advantage of current promotions.
Discounts apply to the total premium payable and do not apply to policy issuance and documentation costs. Conditions valid for new policy subscriptions until December 31, 2025.
PUB. Does not replace the consultation of pre-contractual and legally required contractual information.

How to join?

It's just 3 steps

Envelope
Talk to us
Talk to us
via email at vantagem.profissao@millenniumbcp.pt
via email at vantagem.profissao@millenniumbcp.pt
Contrato
Open an online account
Open an online account
if you're not yet a Customer and deposit/transfer €250
if you're not yet a Customer and deposit/transfer €250
Contactos Prestige
Request the activation of the advantage
Request the activation of the advantage
and set up your salary deposit
and set up your salary deposit

How to join?

It's just 3 steps

Envelope
Talk to us
Talk to us
via email at vantagem.profissao@millenniumbcp.pt
via email at vantagem.profissao@millenniumbcp.pt
Contrato
Open an online account
Open an online account
if you're not yet a Customer and deposit/transfer €250
if you're not yet a Customer and deposit/transfer €250
Contactos Prestige
Request the activation of the advantage
Request the activation of the advantage
and set up your salary deposit
and set up your salary deposit

Frequently asked questions

Questions? We’ll help

To ensure eligibility for the Vantagem Profissão you must:

  • Prove you are a student or alumni of the registered Entity (professional bodies & associations or specialized training school). To check eligibility please refer to your school/association page or contact us by vantagem.formacao@millenniumbcp.pt;
  • Request activation of the Vantagem Formação;
  • Receive your salary in the account where you've requested the Vantagem activation.

To ensure eligibility for the Vantagem Profissão you must:

  • Prove you are a student or alumni of the registered Entity (professional bodies & associations or specialized training school). To check eligibility please refer to your school/association page or contact us by vantagem.formacao@millenniumbcp.pt;
  • Request activation of the Vantagem Formação;
  • Receive your salary in the account where you've requested the Vantagem activation.

The advantages inherent to the Vantagem Profissão are granted for an indefinite period of time and for as long as the eligibility conditions and the protocol relationship between Millennium bcp and the Registered Entity are met.

The advantages inherent to the Vantagem Profissão are granted for an indefinite period of time and for as long as the eligibility conditions and the protocol relationship between Millennium bcp and the Registered Entity are met.

Yes. Vantagem Profissão also provides access to preferential conditions in Personal Credit solutions.

Yes. Vantagem Profissão also provides access to preferential conditions in Personal Credit solutions.

With the Vantagem Profissão active and assuming that you meet the involvement requirements for access to the reduced price list of the chosen integrated banking products and services solution, the protocol price will be ensured in the monthly package account maintenance fee for the following month.

With the Vantagem Profissão active and assuming that you meet the involvement requirements for access to the reduced price list of the chosen integrated banking products and services solution, the protocol price will be ensured in the monthly package account maintenance fee for the following month.

Having the Vantagem Profissão active, you will have immediate access to the protocol conditions. You can request an adjusted simulation from your Branch.

Having the Vantagem Profissão active, you will have immediate access to the protocol conditions. You can request an adjusted simulation from your Branch.

Request the necessary clarifications through the e-mail vantagem.profissao@millenniumbcp.pt.

Request the necessary clarifications through the e-mail vantagem.profissao@millenniumbcp.pt.

Frequently asked questions

Questions? We’ll help

To ensure eligibility for the Vantagem Profissão you must:

  • Prove you are a student or alumni of the registered Entity (professional bodies & associations or specialized training school). To check eligibility please refer to your school/association page or contact us by vantagem.formacao@millenniumbcp.pt;
  • Request activation of the Vantagem Formação;
  • Receive your salary in the account where you've requested the Vantagem activation.

To ensure eligibility for the Vantagem Profissão you must:

  • Prove you are a student or alumni of the registered Entity (professional bodies & associations or specialized training school). To check eligibility please refer to your school/association page or contact us by vantagem.formacao@millenniumbcp.pt;
  • Request activation of the Vantagem Formação;
  • Receive your salary in the account where you've requested the Vantagem activation.

The advantages inherent to the Vantagem Profissão are granted for an indefinite period of time and for as long as the eligibility conditions and the protocol relationship between Millennium bcp and the Registered Entity are met.

The advantages inherent to the Vantagem Profissão are granted for an indefinite period of time and for as long as the eligibility conditions and the protocol relationship between Millennium bcp and the Registered Entity are met.

Yes. Vantagem Profissão also provides access to preferential conditions in Personal Credit solutions.

Yes. Vantagem Profissão also provides access to preferential conditions in Personal Credit solutions.

With the Vantagem Profissão active and assuming that you meet the involvement requirements for access to the reduced price list of the chosen integrated banking products and services solution, the protocol price will be ensured in the monthly package account maintenance fee for the following month.

With the Vantagem Profissão active and assuming that you meet the involvement requirements for access to the reduced price list of the chosen integrated banking products and services solution, the protocol price will be ensured in the monthly package account maintenance fee for the following month.

Having the Vantagem Profissão active, you will have immediate access to the protocol conditions. You can request an adjusted simulation from your Branch.

Having the Vantagem Profissão active, you will have immediate access to the protocol conditions. You can request an adjusted simulation from your Branch.

Request the necessary clarifications through the e-mail vantagem.profissao@millenniumbcp.pt.

Request the necessary clarifications through the e-mail vantagem.profissao@millenniumbcp.pt.

Open an account on the app with the Digital Mobile Key

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phone with Millennium app on the account opening screen
1Salary Direct Deposit Campaign - Extra 20% Salary:
This campaign is for individual Millennium bcp customers aged 18 or older who set up salary direct deposit in an account where they are the primary holder and meet all the following requirements:
  1. Set up direct deposit for salary or retirement pension, with the first salary or pension payment credited by April 15, 2025, and the second by May 31, 2025 (inclusive), with a minimum net monthly amount of €900 each. The account must not have received any salary or pension deposits between July 16, 2024, and January 15, 2025;
  2. The account must have a Millennium bcp-issued credit card associated with it;
  3. Customers must register for the campaign via the banner in the Millennium App (available on the first screen after login) by May 31, 2025.
A 24-month salary direct deposit commitment is required.
Salary or pension payments are considered as the total sum of credits processed monthly and regularly via bank transfer, properly coded at the source with the ISO code "SALA" for salary or "PENS" for pension.
The bonus amount corresponds to taxable income under Article number 5, number 1 of the Personal Income Tax Code (Cód. IRS) and is subject to withholding tax at a 28% flat rate, unless the customer opts for aggregation, in which case the general IRS tax rates will apply. The total gross benefit will be, at most, €625.00, with €175.00 withheld for IRS.
The bonus will be granted only once and one month after the eligibility check is completed. If the customer, during the 24-month period, stops receiving salary or pension payments in the account for three consecutive months, they are required to reimburse the Bank for the total benefit received. For this purpose, the customer agrees to ensure sufficient funds in the account and authorizes Millennium bcp to debit the account for the corresponding amount. No bonuses will be granted to participants who have any record of non-compliance with Millennium bcp.
Please refer to the campaign regulations here.
2Account Opening Campaign - Extra €50:
Exclusively for new individual Millennium bcp customers aged 18 or older who open a current account as the primary holder. A new customer is defined as someone who, as of December 31, 2024, did not have any current account as the primary holder and opens their first account as the primary holder during the campaign.
The account must be opened between January 1 and April 15, 2025, and meet all the following requirements:
  • New customers aged 18 or older who, during the campaign period, open their first current account as the primary holder via the Millennium App using the Digital Mobile Key and register for the campaign through the banner that will appear on the Millennium App's first screen after login, by May 15, 2025;

    OR
  • New university students aged 18 to 25 who, during the campaign period, open a current account as the primary holder through any channel (app, website, or branch), subscribe to the Millennium GO! University Solution and register for the campaign through the banner that will appear on the Millennium App's first screen after login, by May 15, 2025.
A salary direct deposit commitment of 18 months is required.
The account must be opened with a minimum deposit of €250 (€150 for university customers aged 18-25) and is subject to the bank's customer acceptance policy.
The annual account maintenance fee for accounts without an Integrated Banking Products and Services Solution is €64.92, charged monthly and in arrears at €5.41 per month (including Stamp Duty).
For accounts with Integrated Banking Products and Services Solutions, the monthly package maintenance fee is charged at the beginning of the following month and ranges between €0 and €15 + Stamp Duty (up to a maximum of €187.20 per year, including Stamp Duty), depending on the chosen solution, the customer's financial engagement with the bank, and enrollment in digital statements.

The bonus will be awarded only once, one month after the eligibility check is completed. If the customer cancels the Integrated Solution during the 18-month period, they are required to reimburse the bank for the value of the benefit received. For this purpose, the customer agrees to ensure sufficient funds in the account and authorizes Millennium bcp to debit the account for the corresponding amount. No bonuses will be granted to participants who have any record of non-compliance with Millennium bcp.
Please refer to the campaign regulations here.
3Integrated Banking products and services solutions
The integrated banking products and services solutions have a monthly package maintenance fee that is charged in arrears and ranges between €0 and €15 + Stamp Duty (up to €187.20 per year, including Stamp Duty), depending on the chosen solution, the customer's financial involvement with the bank, and enrollment in digital statements. Covered solutions include: Cliente Frequente, Millennium GO!, Prestige Program, and Mais Portugal.
Representative examples of integrated banking products and services solutions for Individual Customers
6The Frequent Customer solution has a monthly package maintenance fee charged in arrears, ranging from €5 or €6 + Stamp Duty, depending on the customer's financial involvement with the bank and enrollment in the digital statement service. Otherwise, the monthly package maintenance fee will be €8 + Stamp Duty (with a maximum annual fee of €99.84, including Stamp Duty). Additional charges may apply from the use of associated products and services. Discount Criteria for the Vantagem Profissão.
For primary account holders who set up a salary deposit from a company with a commercial agreement, the monthly package maintenance fee** will be €4 or €6 + Stamp Duty, based on the following criteria:
 
 
Fee
    
€6
Salary > €750 or FA €7,500
Digital statement
€5 €4
Salary > €750 and credit card billing > €100/month
Digital statement
 
7The Prestige Program has a monthly package maintenance fee charged in arrears, ranging from €5 or €6 + Stamp Duty, depending on age and the customer's financial involvement with the bank. Otherwise, the fee will be €15 + Stamp Duty (with a maximum annual fee of €187.20, including Stamp Duty). Discount Criteria for the Vantagem Profissão: For primary account holders who set up a salary deposit from a company with a commercial agreement, the monthly package maintenance fee will be €4 + Stamp Duty, based on the following:
 
 
Fee
>18 and <35 years
>35 and <45 years
>45 years
€6 €4
FA > €20.000 or salary > €1,500
Fa > €35.000 or salary > €2,000
FA > €50.000 or salary > €2,500
€5 €4
FA > €20.000 +
FA > €35.000 +
FA > €50.000 +
Salary > €750 and credit card billing >€250/month
+ Digital statement
 
FA = Financial Assets: The total sum of the average balances of the primary account holder's current accounts and the savings and investments associated with them.
Credit Card Billing: To calculate monthly credit card billing, withdrawals, cash advance transactions, free-meal cards, and cards held by non-depositing customers (e.g., Amex and TAP) will not be considered. However, credit cards held by non-depositing customers will be considered if they are linked to a current account.
4Classic Credit Card: TAEG 15.4% and TAN 13.300% for a credit limit of 1,500€ paid over 12 equal monthly repayments, plus interest and charges. Annual fee 10.40€, charged in advance. First charge in the month of card issuance and, in subsequent years, in the same month. Stamp duty included. Subject to credit risk assessment.
Home Loan Solutions
5For the first 2 years, Millennium will not charge interest corresponding to the contracted spread on new home loans approved by 30/06/2025 and signed by 31/07/2025, provided that a Millennium current account is maintained. This offer includes optional bundled products and cannot be combined with other ongoing promotions.
  • If you are 18-35 years old and purchasing your primary residence, you will be exempt from all initial fees, including:
  • Dossier Fee: €290 + Stamp Duty
  • Formalization Fee: €200 + Stamp Duty
  • Appraisal Fee: €230 + Stamp Duty
  • Total Exemption Value: €748.80

Requires the following products
  • Domiciliation of salary of €1,000/month in the account associated with the loan;
  • Meet additionally three of the five listed requirements products services:
    1. Credit card with transactions in payments for purchases and services with a minimum usage of €250/month with semi-annual control of the accumulated amount - TAEG 15.4%4;
    2. Consumer credit ALD or Auto Leasing with a minimum outstanding balance of €1,500;
    3. Domiciliation of 2 monthly payments in the account associated with the financing for utility payments electricity water gas communications;
    4. Life insurance associated with the credit with Ocidental Vida8;
    5. 5. Multi-risk home insurance associated with the credit marketed by Ageas Portugal under the Ocidental8 brand with active policies registered to the loan.

Representative Examples Home Loan
PURCHASE / CONSTRUCTION
TAEG 4.6% | TAEG 3.7% with optional associated sales

With optional associated sales:
  • Spread 0% during the first 2 years
  • Spread 0.70% thereafter
  • Rates Variable Mixed Fixed rate during the first 2 3 or 5 years followed by a variable rate indexed to Euribor Fixed Rate from 5 to 30 years
  • Reduction of Fees
    • Dossier Fee €145 + IS without reduction €290 + IS
    • Formalization Fee €100 + IS without reduction €200 + IS
    • Total reduction amount €254.80

And if you are between 18 and 35 years old you also get an exemption from all initial fees if you are purchasing your primary residence:
  • Dossier Fee €290 + IS
  • Formalization Fee €200 + IS
  • Evaluation Fee €230 + IS
  • Total exemption amount €748.80

Example for a 30-year-old consumer financing €150,000 with a property valuation of €187,500 over a 30-year term for the purpose of purchase with contract expenses of €501.40 stamp duty on credit use of €900 and home insurance of €20.12/month.
TAEG without optional associated sales 4.6% - variable TAN of 3.898% (Euribor 12 months of March, 2025 of 2.398% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80. Monthly Life Insurance Premium of €20.69; 360 monthly payments of €707.33; Total amount charged to the consumer of €271,481.09.
TAEG with optional associated sales 3.7% - variable TAN of 3.098% (Euribor 12 months of March, 2025 of 2.398% and base spread of 0.70. Inicial Fees waived; Monthly Life Insurance Premium of €19.71; 360 monthly payments of €640.36; Total amount charged to the consumer of €246,272.07.
Requires holding the following products:
  • Salary domiciliation of €1,000 in the account associated with the loan;
  • Domiciliation of 2 monthly payments for water gas electricity or communications;
  • Home insurance associated with the loan marketed by Ageas Portugal under the Ocidental8 brand;
  • Life insurance associated with the loan under Ocidental Vida8.
TRANSFER
Example for a 30-year-old consumer - €150,000 financing, with mortgage; €187,500 valuation amount; 30-year term. Indexed Instalment Product; purpose Credit Transfer; Home insurance premium with monthly payments of €20.12.
TAEG WITHOUT OPTIONAL ASSOCIATED SALES 4.5% - Variable TAN of 3.898% (Euribor 12 months of March, 2025 of 2.398% and base spread of 1.50%); Initial Fees (Dossier, Setup and Valuation Fees) €748.80; Contract Expenses (Charges, Online Certificate and Mortgage Cancellation) €632.33; monthly Life Insurance Premium of €20.69; 360 monthly payments of €707.33; Total amount charged to the consumer of €270.712.02.
TAEG WITH OPTIONAL ASSOCIATED SALES 3.6% - Variable TAN of 3,098% (Euribor 12 months of March, 2025 of 2.398% and contracted spread of 0.70%); Initial Fees waived; Contract Expenses (Online Certificate and Mortgage Cancellation) €65; monthly life Insurance Premium of €19.71; 360 monthly payments of €640.36; Total amount imputed to the consumer of €244,935.67.
Mortgage is granted by Banco Comercial Português, S.A., without credit intermediation, and is guaranteed by a mortgage on the real estate property. Subject to Banco de Portugal's macro-prudential rules. The interest rate applied (TAN) may be negative depending on the evolution of the respective index.
Conditions valid for proposals approved until 30/06/2025 and signed until 31/07/2025.
All mentioned fees are subject to Stamp Duty.
8Insurance
There are exclusions provided for in the policy.
Advertising. This information does not waive the consultation of the legally required pre-contractual and contractual information.
Banco Comercial Português, S.A. - Registered Office: Praça D. João I, nº 28, 4000-295 Porto - Share Capital 3,000,000,000.00 Euros - Single registration and TIN 501525882. Insurance agent, registered under nr. 419527602, with the Insurance and Pension Funds Supervision Authority - Registration Date: 21/01/2019. Authorization for the brokerage distribution of the life and non-life insurance. For information and further registration details, please consult: www.asf.com.pt. The Insurance Intermediary is not authorized to sign insurance contracts on behalf of the Insurer or receive any insurance premiums payable to the Insurer.
Insurer
logotipo Ocidental
Life Protection:
Ocidental - Companhia Portuguesa de Seguros de Vida, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisbon. Legal Person No. 501836926. Lisbon Trade Register. Share Capital of 22.375.000 Euros. Registration ASF 1024, www.asf.com.pt.
Non-Life Risk Insurance:
Ageas Portugal - Companhia de Seguros, Public limited company, with head office at Praça Príncipe Perfeito n.º 2, 1990-278 Lisboa. Legal Person No. 503454109. Porto Trade Register. Share Capital of 7.500.000 Euros. Registration ASF 1129, www.asf.com.pt.
Médis - exclusive and registered trademark of the products managed by Médis - Companhia Portuguesa de Seguros de Saúde, S.A., insurer, reinsurer and manager of the integrated health care system underlying the insurance policies issued by Ocidental or by other insurers under its authorization.