[et_pb_section fb_built=“1″ _builder_version=“4.4.8″ background_color=“rgba(0,0,0,0.1)“ background_image=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-top-seguros-vida-de-ahorro_pbf-seguros.jpg“ background_blend=“overlay“ custom_margin=“||||true|false“ custom_padding=“13%||13%||true|false“ animation_style=“fade“][et_pb_row _builder_version=“4.4.8″ width=“750px“ width_tablet=“80%“ width_phone=“95%“ width_last_edited=“on|phone“ module_alignment=“center“][et_pb_column type=“4_4″ _builder_version=“4.4.8″][et_pb_text _builder_version=“4.4.8″ text_font=“Montserrat|600|||||||“ text_text_color=“#ffffff“ header_font=“|600|||||||“ header_text_align=“center“ header_text_color=“#ffffff“ header_font_size=“40px“ header_line_height=“1.1em“ text_orientation=“center“ custom_margin=“||||false|false“ custom_margin_tablet=““ custom_margin_phone=“||10px||false|false“ custom_margin_last_edited=“on|phone“ header_font_size_tablet=“35px“ header_font_size_phone=“20px“ header_font_size_last_edited=“on|phone“ header_text_shadow_style=“preset2″]<\/p>\n
[\/et_pb_text][et_pb_button button_url=“#presupuesto“ button_text=“Angebot anfordern“ button_alignment=“center“ _builder_version=“4.6.5″ custom_button=“on“ button_text_size=“25px“ button_text_color=“#ffffff“ button_bg_color=“#339966″ button_border_width=“0px“ button_border_color=“rgba(0,0,0,0)“ button_border_radius=“35px“ button_font=“|600|||||||“ custom_margin=“25px||||false|false“ custom_margin_tablet=““ custom_margin_phone=“0px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“10px||10px||true|false“ button_text_size_tablet=“22px“ button_text_size_phone=“15px“ button_text_size_last_edited=“on|phone“ box_shadow_style=“preset3″ locked=“off“][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ custom_padding_last_edited=“on|phone“ _builder_version=“4.4.8″ background_color=“rgba(0,0,0,0)“ custom_margin=“0px||||false|false“ custom_margin_tablet=“1px||||false|false“ custom_margin_phone=“0px||||false|false“ custom_margin_last_edited=“on|tablet“ custom_padding=“||||false|false“ custom_padding_tablet=“30px||30px||true|false“ custom_padding_phone=“20px||20px||true|false“ locked=“off“][et_pb_row _builder_version=“4.4.8″ width=“850px“ width_tablet=“80%“ width_phone=“90%“ width_last_edited=“on|phone“ custom_margin=“||20px||false|false“ custom_margin_tablet=““ custom_margin_phone=““ custom_margin_last_edited=“on|phone“][et_pb_column type=“4_4″ _builder_version=“4.4.7″][et_pb_image src=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/ico-seguros-vida_ppa_pbf-seguros.gif“ title_text=“ico-seguros-vida_ppa_pbf-seguros“ align=“center“ _builder_version=“4.4.8″ custom_margin=“||15px||false|false“ animation_style=“fade“][\/et_pb_image][et_pb_text _builder_version=“4.6.5″ header_2_font=“|300|||||||“ header_2_text_align=“center“ header_2_text_color=“#95b344″ header_2_font_size=“70px“ header_3_font=“||||||||“ header_3_text_align=“center“ header_3_line_height=“1.2em“ custom_margin=“||10px||false|false“ header_2_font_size_tablet=“60px“ header_2_font_size_phone=“40px“ header_2_font_size_last_edited=“on|tablet“ header_3_font_size_tablet=“20px“ header_3_font_size_phone=“16px“ header_3_font_size_last_edited=“on|phone“]<\/p>\n
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Es handelt sich um eine langfristige Sparversicherung, deren Ziel es ist, die staatliche Altersrente zu erg\u00e4nzen und deren Beitr\u00e4ge steuerlich abzugsf\u00e4hig sind.<\/p>\n
[\/et_pb_text][et_pb_text ul_type=“none“ module_class=“lista_coberturas“ _builder_version=“4.4.9″ text_text_color=“#000000″ background_color=“rgba(204,204,102,0.34)“ text_orientation=“justified“ width=“90%“ width_tablet=““ width_phone=“100%“ width_last_edited=“on|phone“ module_alignment=“center“ custom_margin=“75px||||false|false“ custom_margin_tablet=“80px||||false|false“ custom_margin_phone=“60px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“50px|40px|50px|40px|false|true“ custom_padding_tablet=““ custom_padding_phone=“|30px||30px|false|true“ custom_padding_last_edited=“on|phone“ text_font_size_tablet=““ text_font_size_phone=“13px“ text_font_size_last_edited=“on|phone“ header_3_font_size_tablet=““ header_3_font_size_phone=“18px“ header_3_font_size_last_edited=“on|phone“ text_orientation_tablet=““ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“]<\/p>\n
Die Rentenversicherung (PPA)<\/strong> hat eine gesetzlich garantierte Mindestrendite f\u00fcr einen bestimmten Zeitraum oder sogar lebenslang, und jedes Quartal, jedes Semester oder jede Rente (je nach Produkt) bietet einen zus\u00e4tzlichen Zinssatz auf das garantierte Minimum. Anders als bei Pensionspl\u00e4nen, kann sie zum Zeitpunkt der Tilgung niemals eine negative Rendite aufweisen (au\u00dfer bei R\u00fcckzahlungen aufgrund au\u00dfergew\u00f6hnlicher Liquidit\u00e4tsbedingungen wie schwerer Krankheit oder Arbeitslosigkeit im Falle von PPA mit betroffenen Investitionen).<\/p>\n Die PPA<\/strong> hat die gleichen Steuervorteile wie ein Pensionsplan, d. h. alle Beitr\u00e4ge sind steuerlich absetzbar auf Ihre j\u00e4hrliche Einkommensteuererkl\u00e4rung, wobei die folgenden H\u00f6chstgrenzen je nach Alter des Beitragenden gelten: Das PPA<\/strong> ist illiquide, d. h. Sie k\u00f6nnen die Einsparungen nur in den folgenden F\u00e4llen erzielen: Pensionierung (einschlie\u00dflich Vorruhestand), Tod, absolute Behinderung, schwere oder gro\u00dfe Abh\u00e4ngigkeit, schwere Erkrankung des Teilnehmers selbst, seines Ehegatten, Verwandte bis zum ersten Grad oder Personen, die einer Vormundschaft oder Pflege unterstehen, und schlie\u00dflich Arbeitslosigkeit (einschlie\u00dflich ERTE), unabh\u00e4ngig davon, ob Sie eine Anstellung haben oder eine selbstst\u00e4ndige Erwerbst\u00e4tigkeit aus\u00fcben. Ab 2015 kann der Beitrag auch nach 10 Jahren eingel\u00f6st werden.<\/p>\n Was die Leistungen angeht, so bietet sie dieselben M\u00f6glichkeiten wie die Rentenpl\u00e4ne, d.h. auf einmal (in Form von Kapital), in Form von Einkommenszahlungen oder in gemischter Form (einer Kombination der beiden oben genannten<). Nach Angaben des Versicherers sind auch Zahlungen ohne regelmaessige Periodizit\u00e4t m\u00f6glich.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=“4.4.8″ width=“850px“ width_tablet=“80%“ width_phone=“90%“ width_last_edited=“on|phone“ custom_margin=“40px||20px||false|false“ custom_margin_tablet=““ custom_margin_phone=“20px||||false|false“ custom_margin_last_edited=“on|phone“][et_pb_column type=“4_4″ _builder_version=“4.4.7″][et_pb_image src=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/ico-seguros-vida_sialp_pbf-seguros.gif“ title_text=“ico-seguros-vida_sialp_pbf-seguros“ align=“center“ _builder_version=“4.4.8″ custom_margin=“||15px||false|false“ animation_style=“fade“][\/et_pb_image][et_pb_text _builder_version=“4.6.5″ header_2_font=“|300|||||||“ header_2_text_align=“center“ header_2_text_color=“#95b344″ header_2_font_size=“70px“ header_3_font=“||||||||“ header_3_text_align=“center“ header_3_line_height=“1.2em“ custom_margin=“||10px||false|false“ header_2_font_size_tablet=“60px“ header_2_font_size_phone=“40px“ header_2_font_size_last_edited=“on|tablet“ header_3_font_size_tablet=“20px“ header_3_font_size_phone=“16px“ header_3_font_size_last_edited=“on|phone“]<\/p>\n [\/et_pb_text][et_pb_text _builder_version=“4.6.5″ text_text_color=“#000000″ text_orientation=“center“ text_font_size_tablet=““ text_font_size_phone=““ text_font_size_last_edited=“on|desktop“]<\/p>\n Es handelt sich um eine langfristige Sparversicherung mit einer Mindestdauer von f\u00fcnf Jahren, bei welcher der Versicherungsnehmer, Versicherte und Beg\u00fcnstigte stets dieselbe Person sein m\u00fcssen.<\/p>\n [\/et_pb_text][et_pb_text ul_type=“none“ module_class=“lista_coberturas“ _builder_version=“4.4.9″ text_text_color=“#000000″ background_color=“rgba(204,204,102,0.34)“ text_orientation=“justified“ width=“90%“ width_tablet=““ width_phone=“100%“ width_last_edited=“on|phone“ module_alignment=“center“ custom_margin=“75px||||false|false“ custom_margin_tablet=“80px||||false|false“ custom_margin_phone=“60px||||false|false“ custom_margin_last_edited=“on|phone“ custom_padding=“50px|40px|50px|40px|false|true“ custom_padding_tablet=““ custom_padding_phone=“|30px||30px|false|true“ custom_padding_last_edited=“on|phone“ text_font_size_tablet=““ text_font_size_phone=“13px“ text_font_size_last_edited=“on|phone“ header_3_font_size_tablet=““ header_3_font_size_phone=“18px“ header_3_font_size_last_edited=“on|phone“ text_orientation_tablet=““ text_orientation_phone=“left“ text_orientation_last_edited=“on|phone“]<\/p>\n Die von den SIALPs erzielte Rentabilit\u00e4t ist von der Steuer befreit, wenn sie mindestens f\u00fcnf Jahre lang aufrechterhalten wird.<\/p>\n Die Beitr\u00e4ge d\u00fcrfen 5.000 Euro pro Jahr nicht \u00fcberschreiten, und Teilr\u00fcckzahlungen k\u00f6nnen nicht vorgenommen werden. Beitr\u00e4ge sind nicht steuerlich abzugsf\u00e4hig.<\/p>\n Wird der Ertrag vor dem 5. Lebensjahr eingel\u00f6st, so wird der Ertrag nach folgendem Ma\u00dfstab als Kapitalertrag (RCM) besteuert:<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ custom_padding_last_edited=“on|phone“ module_id=“presupuesto“ _builder_version=“4.4.9″ background_color=“#e5e8e8″ custom_margin=“||||false|false“ custom_margin_tablet=“||||false|false“ custom_margin_phone=“0px||||false|false“ custom_margin_last_edited=“on|desktop“ custom_padding=“||80px||false|false“ custom_padding_tablet=“25px||25px||true|false“ custom_padding_phone=“15px||15px||true|false“ locked=“off“][et_pb_row custom_padding_last_edited=“on|desktop“ _builder_version=“4.4.8″ width_tablet=“90%“ width_phone=““ width_last_edited=“on|tablet“ custom_margin=“||0px||false|false“ custom_margin_tablet=““ custom_margin_phone=“||0px||false|false“ custom_margin_last_edited=“on|tablet“ custom_padding=“||0px||false|false“ custom_padding_tablet=“||10px||false|false“ 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text_font_size_tablet=“16px“ text_font_size_phone=““ text_font_size_last_edited=“on|phone“ header_3_font_size_tablet=““ header_3_font_size_phone=“16px“ header_3_font_size_last_edited=“on|phone“ width__hover_enabled=“on|desktop“]<\/p>\n [\/et_pb_text][dsm_contact_form_7 cf7_library=“2986″ show_validation=“on“ label_bottom_spacing=“-15px“ button_alignment=“right“ input_background_color=“#ffffff“ error_msg_background_color=“rgba(0,0,0,0)“ validation_error_background_color=“rgba(0,0,0,0)“ module_id=“formulario_presupuesto“ _builder_version=“4.5.8″ labels_font=“|600|||||||“ labels_text_color=“#4f4f4f“ input_textarea_select_text_color=“#898989″ placeholder_text_color=“#000000″ radio_checkbox_text_color=“#000000″ error_validation_text_align=“center“ success_validation_text_align=“center“ success_validation_text_color=“#27ae60″ custom_button_one=“on“ button_one_text_size=“20px“ button_one_text_color=“#ffffff“ button_one_bg_color=“#339966″ button_one_border_width=“0px“ 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select_options=“%91{%22value%22:%22Gran Canaria%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Tenerife%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Fuerteventura%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22La Palma%22,%22checked%22:0,%22dragID%22:2}%93″ required_mark=“off“ _builder_version=“4.6.5″][\/et_pb_contact_field][et_pb_contact_field field_id=“idioma“ field_title=“W\u00e4hlen Sie Ihre Sprache aus“ field_type=“select“ select_options=“%91{%22value%22:%22Spanisch%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Englisch%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Italienisch%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22Deutsch%22,%22checked%22:0,%22dragID%22:2},{%22value%22:%22Franz\u00f6sisch%22,%22checked%22:0,%22dragID%22:3}%93″ required_mark=“off“ _builder_version=“4.6.5″][\/et_pb_contact_field][\/et_pb_contact_form][\/et_pb_column][et_pb_column type=“2_5″ _builder_version=“4.4.8″ border_width_left=“3px“ border_color_left=“#ffffff“ border_width_left_tablet=“0px“ border_width_left_phone=““ border_width_left_last_edited=“on|phone“][et_pb_text _builder_version=“4.6.5″ text_font_size=“18px“ header_3_font=“|700|||||||“ header_3_text_color=“#ffffff“ header_3_font_size=“33px“ width_tablet=“75%“ width_phone=“90%“ width_last_edited=“on|tablet“ module_alignment=“center“ custom_padding=“15px||15px|40px|true|false“ custom_padding_tablet=“|||0px|true|false“ custom_padding_phone=““ custom_padding_last_edited=“on|phone“ text_font_size_tablet=““ text_font_size_phone=““ text_font_size_last_edited=“on|phone“ header_3_text_align_tablet=“center“ header_3_text_align_phone=“center“ header_3_text_align_last_edited=“on|phone“ text_orientation_tablet=“center“ text_orientation_phone=““ text_orientation_last_edited=“on|phone“ border_color_left=“#ffffff“]<\/p>\n Wir unterst\u00fctzen Sie in Ihrer Sprache: [\/et_pb_text][et_pb_social_media_follow use_icon_font_size=“on“ icon_font_size=“23px“ disabled_on=“off|off|off“ _builder_version=“4.6.5″ text_orientation=“center“ border_radii=“on|7px|7px|7px|7px“][et_pb_social_media_follow_network social_network=“facebook“ url=“https:\/\/www.facebook.com\/Prudential-Brokers-Finance-Fuerteventura-395515314604641\/“ _builder_version=“4.4.9″ background_color=“#95b344″ background_enable_color=“on“ border_radii=“on|8px|8px|8px|8px“ follow_button=“off“ url_new_window=“on“]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=“instagram“ url=“https:\/\/www.instagram.com\/pbf_insurance_broker\/“ _builder_version=“4.5.1″ _module_preset=“default“ background_color=“#95b344″ background_enable_color=“on“ follow_button=“off“ url_new_window=“on“]instagram[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][et_pb_column type=“1_3″ _builder_version=“4.4.9″ custom_padding_tablet=“45px||45px||true|false“ custom_padding_phone=““ custom_padding_last_edited=“on|phone“ custom_css_main_element_last_edited=“on|tablet“ custom_css_main_element_phone=“||“][et_pb_image src=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logotipo-footer-pbf-seguros.jpg“ alt=“Prudential and brokers finance“ title_text=“Prudential & Brokers Finance“ align=“center“ _builder_version=“4.5.1″ width_tablet=““ width_phone=“70%“ width_last_edited=“on|phone“ module_alignment=“center“][\/et_pb_image][\/et_pb_column][et_pb_column type=“1_3″ _builder_version=“4.4.9″ custom_css_main_element_last_edited=“on|tablet“ custom_css_main_element_phone=“||“][et_pb_image src=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-willis-towers-watson-pbf-seguros.jpg“ alt=“Willis Towers Watson – Networks | PBF seguros“ title_text=“Willis Towers Watson – Networks | PBF seguros“ url=“https:\/\/willisnetworks.es\/“ url_new_window=“on“ align=“center“ _builder_version=“4.4.9″ width_tablet=““ width_phone=“200px“ width_last_edited=“on|phone“ custom_margin=“||5px||false|false“][\/et_pb_image][et_pb_image src=“https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-mediadores-de-seguros-colegiados-pbf-seguros.jpg“ alt=“Mediador de seguros colegiado | PBF seguros“ title_text=“Mediador de seguros colegiado | PBF seguros“ url=“http:\/\/www.mediaseguros.es\/“ url_new_window=“on“ align=“center“ _builder_version=“4.4.9″ width_tablet=““ width_phone=“60px“ width_last_edited=“on|phone“][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" W\u00e4hlen Sie die Lebensversicherung, die am besten zu Ihren Ersparnissen und Ihnen passtRentenversicherungEs handelt sich um eine langfristige Sparversicherung, deren Ziel es ist, die staatliche Altersrente zu erg\u00e4nzen und deren Beitr\u00e4ge steuerlich abzugsf\u00e4hig sind.Rentabilit\u00e4t Die Rentenversicherung (PPA) hat eine gesetzlich garantierte Mindestrendite f\u00fcr einen bestimmten Zeitraum oder sogar lebenslang, und jedes Quartal, jedes Semester oder […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" _builder_version=\"4.4.8\" background_color=\"rgba(0,0,0,0.1)\" background_image=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-top-seguros-vida-de-ahorro_pbf-seguros.jpg\" background_blend=\"overlay\" custom_margin=\"||||true|false\" custom_padding=\"13%||13%||true|false\" animation_style=\"fade\"][et_pb_row _builder_version=\"4.4.8\" width=\"750px\" width_tablet=\"80%\" width_phone=\"95%\" width_last_edited=\"on|phone\" module_alignment=\"center\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.8\"][et_pb_text _builder_version=\"4.4.8\" text_font=\"Montserrat|600|||||||\" text_text_color=\"#ffffff\" header_font=\"|600|||||||\" header_text_align=\"center\" header_text_color=\"#ffffff\" header_font_size=\"40px\" header_line_height=\"1.1em\" text_orientation=\"center\" custom_margin=\"||||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||10px||false|false\" custom_margin_last_edited=\"on|phone\" header_font_size_tablet=\"35px\" header_font_size_phone=\"20px\" header_font_size_last_edited=\"on|phone\" header_text_shadow_style=\"preset2\"] It is a long-term savings insurance policy, whose objective is to complement the public retirement pension and whose contributions are tax-deductible.<\/p>[\/et_pb_text][et_pb_text ul_type=\"none\" module_class=\"lista_coberturas\" _builder_version=\"4.4.9\" text_text_color=\"#000000\" background_color=\"rgba(204,204,102,0.34)\" text_orientation=\"justified\" width=\"90%\" width_tablet=\"\" width_phone=\"100%\" width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"75px||||false|false\" custom_margin_tablet=\"80px||||false|false\" custom_margin_phone=\"60px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"50px|40px|50px|40px|false|true\" custom_padding_tablet=\"\" custom_padding_phone=\"|30px||30px|false|true\" custom_padding_last_edited=\"on|phone\" text_font_size_tablet=\"\" text_font_size_phone=\"13px\" text_font_size_last_edited=\"on|phone\" header_3_font_size_tablet=\"\" header_3_font_size_phone=\"18px\" header_3_font_size_last_edited=\"on|phone\" text_orientation_tablet=\"\" text_orientation_phone=\"left\" text_orientation_last_edited=\"on|phone\"] The Insured Pension Plan (PPA)<\/strong> has a minimum return guaranteed by law for a specific period or even for life, and that each quarter, semester or annuity (depending on the product) offers an additional interest to the guaranteed minimum. Unlike pension plans, it can never show a negative return at the time of redemption (except in the case of redemptions due to exceptional liquidity circumstances such as serious illness or unemployment, in the case of PPAs with affected investments).<\/p>\r\n The PPA<\/strong> has the same tax advantages as a pension plan, i.e. all contributions are tax deductible on your annual income tax return, with the following maximum limits, depending on the age of the contributor:<\/p>\r\n The new tax reform of 2015 limits contributions to 8,000 euros regardless of age, with a maximum of 30% of the sum of income from work and economic activities.<\/p>\r\n These limits may be increased because, regardless of the above reductions, if your spouse receives income of less than 8,000 euros per year, you may reduce the contributions made in favour of your spouse, with the maximum annual limit of 2,500 euros.<\/p>\r\n The PPA<\/strong> is illiquid, that means you cannot enjoy the savings except in the following cases: retirement (including early retirement), death, absolute disability, severe or great dependency, serious illness of the participant himself, his spouse, relatives up to the first degree or persons under guardianship or foster care, and finally, unemployment (including ERE), whether you are employed or self-employed. From 2015 onwards, the contribution can also be redeemed after 10 years.<\/p>\r\n When it comes to benefits, it offers the same possibilities as pension plans, i.e. to be paid in one go (in the form of capital), in the form of income, or in a mixed form (a combination of the two). And, according to the insurance company, payments without regular periodicity.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.4.8\" width=\"850px\" width_tablet=\"80%\" width_phone=\"90%\" width_last_edited=\"on|phone\" custom_margin=\"40px||20px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"20px||||false|false\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.7\"][et_pb_image src=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/ico-seguros-vida_sialp_pbf-seguros.gif\" title_text=\"ico-seguros-vida_sialp_pbf-seguros\" align=\"center\" _builder_version=\"4.4.8\" custom_margin=\"||15px||false|false\" animation_style=\"fade\"][\/et_pb_image][et_pb_text _builder_version=\"4.5.8\" header_2_font=\"|300|||||||\" header_2_text_align=\"center\" header_2_text_color=\"#95b344\" header_2_font_size=\"70px\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_line_height=\"1.2em\" custom_margin=\"||10px||false|false\" header_2_font_size_tablet=\"60px\" header_2_font_size_phone=\"40px\" header_2_font_size_last_edited=\"on|tablet\" header_3_font_size_tablet=\"20px\" header_3_font_size_phone=\"16px\" header_3_font_size_last_edited=\"on|phone\"] It is a long-term savings insurance, minimum 5 years, in which the policyholder, insured and beneficiary must always be the same person.<\/p>[\/et_pb_text][et_pb_text ul_type=\"none\" module_class=\"lista_coberturas\" _builder_version=\"4.4.9\" text_text_color=\"#000000\" background_color=\"rgba(204,204,102,0.34)\" text_orientation=\"justified\" width=\"90%\" width_tablet=\"\" width_phone=\"100%\" width_last_edited=\"on|phone\" module_alignment=\"center\" custom_margin=\"75px||||false|false\" custom_margin_tablet=\"80px||||false|false\" custom_margin_phone=\"60px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"50px|40px|50px|40px|false|true\" custom_padding_tablet=\"\" custom_padding_phone=\"|30px||30px|false|true\" custom_padding_last_edited=\"on|phone\" text_font_size_tablet=\"\" text_font_size_phone=\"13px\" text_font_size_last_edited=\"on|phone\" header_3_font_size_tablet=\"\" header_3_font_size_phone=\"18px\" header_3_font_size_last_edited=\"on|phone\" text_orientation_tablet=\"\" text_orientation_phone=\"left\" text_orientation_last_edited=\"on|phone\"] Contributions cannot exceed 5,000 euros per year and partial redemptions cannot be made. Contributions are not tax-deductible.<\/p>\r\n Las Aportaciones no pueden superar los 5.000\u20ac anuales y no se pueden hacer rescates parciales. Las aportaciones no desgravan en el IRPF.<\/p>\r\n If it is redeemed before the age of 5, the income is taxed as Income from capital (RCM), according to the following scale:<\/p>\r\n We assist you in your language:Beitr\u00e4ge<\/h3>\n
Die neue Steuerreform von 2015 begrenzt die Beitr\u00e4ge auf 8.000 Euro, unabh\u00e4ngig vom Alter, wobei ein H\u00f6chstsatz von 30 % der Summe der Eink\u00fcnfte aus Arbeit und wirtschaftlichen T\u00e4tigkeiten gilt.
Diese Obergrenzen k\u00f6nnen erh\u00f6ht werden, weil Sie, unabh\u00e4ngig von den oben genannten Erm\u00e4\u00dfigungen, bei einem Einkommen von weniger als 8.000 Euro pro Jahr, die f\u00fcr Ihren Ehegatten geleisteten Beitr\u00e4ge mit einer j\u00e4hrlichen H\u00f6chstgrenze von 2.500 Euro reduzieren k\u00f6nnen.<\/p>\nLiquidit\u00e4t<\/h3>\n
Auszahlung<\/h3>\n
Individuelle langfristige Sparversicherung (SIALP)<\/h3>\n
Rentabilit\u00e4t<\/h3>\n
Beitr\u00e4ge<\/h3>\n
FAuszahlung<\/h3>\n
\n
Angebot anfordern<\/h2>\n
Wir schicken Ihnen dieses unverbindlich innerhalb von 24 Stunden zu.<\/h3>\n
Wir arbeiten mit den besten Versicherungsunternehmen zusammen, die auf Lebensversicherungen spezialisiert sind.<\/h3>\n
Sie sind drei Schritte von Ihrer Lebensrettversicherung zum besten Preis entfernt!<\/h3>\n<\/div>\n<\/div>\n
Wir rufen Sie
\nKOSTENLOS an!<\/h3>\n
\nSpanisch, Englisch, Italienisch, Deutsch und Franz\u00f6sisch<\/strong>. Aus der Zweigstelle Ihrer Wahl.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=“1″ custom_padding_last_edited=“on|phone“ _builder_version=“4.4.8″ custom_padding=“120px|||||“ custom_padding_tablet=“60px||||false|false“ custom_padding_phone=“0px||0px||false|false“ global_module=“3839″ saved_tabs=“all“][et_pb_row column_structure=“1_3,1_3,1_3″ _builder_version=“4.4.9″ width=“100%“ max_width=“100%“ module_alignment=“center“ custom_margin=“40px||80px||false|false“ custom_margin_tablet=““ custom_margin_phone=“||40px||false|false“ custom_margin_last_edited=“on|phone“][et_pb_column type=“1_3″ _builder_version=“4.4.9″ custom_padding=“3%||||false|false“ custom_padding_tablet=“0%||||false|false“ custom_padding_phone=“0px||||false|false“ custom_padding_last_edited=“on|phone“ custom_css_main_element_last_edited=“on|tablet“ custom_css_main_element_phone=“||“][et_pb_text disabled_on=“off|off|off“ _builder_version=“4.6.5″ header_3_font=“||||||||“ header_3_text_align=“center“ header_3_font_size=“32px“ header_4_font=“|700|||||||“ header_4_text_align=“center“ header_4_font_size=“20px“ module_alignment=“center“ custom_margin=“||6px||false|false“ custom_padding=“|||17px|false|false“]<\/p>\nMehr \u00fcber uns!<\/h4>\n
Choose the Life Insurance that best suits you and your savings<\/h1>[\/et_pb_text][et_pb_button button_url=\"#presupuesto\" button_text=\"Request a Quote\" button_alignment=\"center\" _builder_version=\"4.5.8\" custom_button=\"on\" button_text_size=\"25px\" button_text_color=\"#ffffff\" button_bg_color=\"#339966\" button_border_width=\"0px\" button_border_color=\"rgba(0,0,0,0)\" button_border_radius=\"35px\" button_font=\"|600|||||||\" custom_margin=\"25px||||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"0px||||false|false\" custom_margin_last_edited=\"on|phone\" custom_padding=\"10px||10px||true|false\" button_text_size_tablet=\"22px\" button_text_size_phone=\"15px\" button_text_size_last_edited=\"on|phone\" box_shadow_style=\"preset3\" locked=\"off\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" background_color=\"rgba(0,0,0,0)\" custom_margin=\"0px||||false|false\" custom_margin_tablet=\"1px||||false|false\" custom_margin_phone=\"0px||||false|false\" custom_margin_last_edited=\"on|tablet\" custom_padding=\"||||false|false\" custom_padding_tablet=\"30px||30px||true|false\" custom_padding_phone=\"20px||20px||true|false\" locked=\"off\"][et_pb_row _builder_version=\"4.4.8\" width=\"850px\" width_tablet=\"80%\" width_phone=\"90%\" width_last_edited=\"on|phone\" custom_margin=\"||20px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.7\"][et_pb_image src=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/ico-seguros-vida_ppa_pbf-seguros.gif\" title_text=\"ico-seguros-vida_ppa_pbf-seguros\" align=\"center\" _builder_version=\"4.4.8\" custom_margin=\"||15px||false|false\" animation_style=\"fade\"][\/et_pb_image][et_pb_text _builder_version=\"4.5.8\" header_2_font=\"|300|||||||\" header_2_text_align=\"center\" header_2_text_color=\"#95b344\" header_2_font_size=\"70px\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_line_height=\"1.2em\" custom_margin=\"||10px||false|false\" header_2_font_size_tablet=\"60px\" header_2_font_size_phone=\"40px\" header_2_font_size_last_edited=\"on|tablet\" header_3_font_size_tablet=\"20px\" header_3_font_size_phone=\"16px\" header_3_font_size_last_edited=\"on|phone\"]
Insured Pension Plan (PPA)<\/h3>[\/et_pb_text][et_pb_text _builder_version=\"4.5.8\" text_text_color=\"#000000\" text_orientation=\"center\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|desktop\"]
Profitability<\/h3>\r\n
Contributions<\/h3>\r\n
Liquidity<\/h3>\r\n
Forms of rescue<\/h3>\r\n
Individual Long-Term Savings Insurance (SIALP)<\/h3>[\/et_pb_text][et_pb_text _builder_version=\"4.5.8\" text_text_color=\"#000000\" text_orientation=\"center\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|desktop\"]
Profitability<\/h3>\r\n
Contributions<\/h3>\r\n
Forms of rescue<\/h3>\r\n
\r\n
Quotation request<\/h2>\r\n
Without any obligation, we will send it to you within 24 hours.<\/h3>[\/et_pb_text][et_pb_text _builder_version=\"4.5.8\" text_font_size=\"20px\" text_orientation=\"center\" width_tablet=\"\" width_phone=\"\" width_last_edited=\"on|phone\" module_alignment=\"center\" text_font_size_tablet=\"16px\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|phone\" header_3_font_size_tablet=\"\" header_3_font_size_phone=\"16px\" header_3_font_size_last_edited=\"on|phone\" width__hover_enabled=\"on|desktop\"]
We work with the best insurance companies that are specialized in Life Savings Insurance.<\/h3>\r\n
You are three steps away from your Life Savings Insurance at the best price!<\/h3>\r\n<\/div>\r\n<\/div>[\/et_pb_text][dsm_contact_form_7 cf7_library=\"2986\" show_validation=\"on\" label_bottom_spacing=\"-15px\" button_alignment=\"right\" input_background_color=\"#ffffff\" error_msg_background_color=\"rgba(0,0,0,0)\" validation_error_background_color=\"rgba(0,0,0,0)\" module_id=\"formulario_presupuesto\" _builder_version=\"4.5.8\" labels_font=\"|600|||||||\" labels_text_color=\"#4f4f4f\" input_textarea_select_text_color=\"#898989\" placeholder_text_color=\"#000000\" radio_checkbox_text_color=\"#000000\" error_validation_text_align=\"center\" success_validation_text_align=\"center\" success_validation_text_color=\"#27ae60\" custom_button_one=\"on\" button_one_text_size=\"20px\" button_one_text_color=\"#ffffff\" button_one_bg_color=\"#339966\" button_one_border_width=\"0px\" button_one_border_radius=\"30px\" button_one_font=\"|600|||||||\" button_one_use_icon=\"off\" width=\"70%\" width_tablet=\"80%\" width_phone=\"100%\" width_last_edited=\"on|tablet\" module_alignment=\"center\" custom_margin=\"||||false|false\" custom_padding=\"||||false|false\" border_color_all_image=\"#d3d3d3\" border_width_all_error_validation=\"2px\" border_width_all_validation_success=\"2px\" border_color_all_validation_success=\"#27ae60\" box_shadow_style_input_field=\"preset1\" box_shadow_blur_input_field=\"12px\" box_shadow_spread_input_field=\"-4px\" button_one_bg_color__hover_enabled=\"on|hover\" button_one_bg_color__hover=\"#1dad59\" button_one_bg_enable_color__hover=\"on\"][\/dsm_contact_form_7][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" module_id=\"hablemos\" _builder_version=\"4.4.8\" background_color=\"#95b344\" custom_padding=\"8px||8px||true|\" global_module=\"2750\" saved_tabs=\"all\"][et_pb_row column_structure=\"3_5,2_5\" use_custom_gutter=\"on\" gutter_width=\"2\" make_equal=\"on\" _builder_version=\"4.4.8\" width=\"95%\" max_width=\"95%\" module_alignment=\"center\"][et_pb_column type=\"3_5\" _builder_version=\"4.4.8\" custom_padding=\"25px||||false|false\"][et_pb_contact_form captcha=\"off\" email=\"pbf@prudentialandbrokers.com\" title=\"Formulario Hablemos | PBF seguros\" custom_message=\"Nueva petici\u00f3n de llamada gratuita desde la web.||et_pb_line_break_holder||||et_pb_line_break_holder||Nombre: %%name%%||et_pb_line_break_holder||Tel\u00e9fono: %%phone%%||et_pb_line_break_holder||Oficina: %%oficinas%%||et_pb_line_break_holder||Idioma: %%idioma%%||et_pb_line_break_holder||||et_pb_line_break_holder||Mensaje recibido desde www.pbfseguros.com\" success_message=\"Thank you for contacting us.\" submit_button_text=\"Let's talk\" module_id=\"form_hablemos\" _builder_version=\"4.5.8\" form_field_background_color=\"#ffffff\" form_field_text_color=\"#000000\" custom_button=\"on\" button_text_size=\"22px\" button_text_color=\"#000000\" button_bg_color=\"#ffffff\" button_border_width=\"0px\" button_border_color=\"rgba(0,0,0,0)\" button_border_radius=\"80px\" button_font=\"|700|||||||\" button_use_icon=\"off\" button_custom_margin=\"||||false|false\" button_custom_padding=\"30px||30px||true|false\" button_custom_padding_tablet=\"\" button_custom_padding_phone=\"10px||10px||true|false\" button_custom_padding_last_edited=\"on|phone\" module_alignment_tablet=\"\" module_alignment_phone=\"center\" module_alignment_last_edited=\"on|phone\" custom_css_contact_title=\"display:none;\" custom_css_contact_button=\" margin-top: -28%;\" custom_css_contact_button_last_edited=\"on|phone\" custom_css_contact_button_phone=\"margin-top: 20px;||\" button_bg_color__hover_enabled=\"on|hover\" button_bg_color__hover=\"rgba(255,255,255,0.84)\" button_bg_enable_color__hover=\"on\"][et_pb_contact_field field_id=\"name\" field_title=\"Name\" required_mark=\"off\" _builder_version=\"4.5.8\" button_text_size__hover_enabled=\"off\" button_one_text_size__hover_enabled=\"off\" 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We'll call you
FOR FREE!<\/h3>\r\n
Spanish, English, Italian, German and French<\/strong>. From the office of your choice.<\/p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\"1\" custom_padding_last_edited=\"on|phone\" _builder_version=\"4.4.8\" custom_padding=\"120px|||||\" custom_padding_tablet=\"60px||||false|false\" custom_padding_phone=\"0px||0px||false|false\" global_module=\"2752\" saved_tabs=\"all\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.4.9\" width=\"100%\" max_width=\"100%\" module_alignment=\"center\" custom_margin=\"40px||80px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||40px||false|false\" custom_margin_last_edited=\"on|phone\"][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_padding=\"3%||||false|false\" custom_padding_tablet=\"0%||||false|false\" custom_padding_phone=\"0px||||false|false\" custom_padding_last_edited=\"on|phone\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_text disabled_on=\"off|off|off\" _builder_version=\"4.5.8\" header_3_font=\"||||||||\" header_3_text_align=\"center\" header_3_font_size=\"32px\" header_4_font=\"|700|||||||\" header_4_text_align=\"center\" header_4_font_size=\"20px\" module_alignment=\"center\" custom_margin=\"||6px||false|false\"]Follow us!<\/h4>[\/et_pb_text][et_pb_social_media_follow use_icon_font_size=\"on\" icon_font_size=\"23px\" disabled_on=\"off|off|off\" _builder_version=\"4.5.1\" text_orientation=\"center\" border_radii=\"on|7px|7px|7px|7px\"][et_pb_social_media_follow_network social_network=\"facebook\" url=\"https:\/\/www.facebook.com\/Prudential-Brokers-Finance-Fuerteventura-395515314604641\/\" _builder_version=\"4.4.9\" background_color=\"#95b344\" background_enable_color=\"on\" border_radii=\"on|8px|8px|8px|8px\" follow_button=\"off\" url_new_window=\"on\"]facebook[\/et_pb_social_media_follow_network][et_pb_social_media_follow_network social_network=\"instagram\" url=\"https:\/\/www.instagram.com\/pbf_insurance_broker\/\" _builder_version=\"4.5.1\" _module_preset=\"default\" background_color=\"#95b344\" background_enable_color=\"on\" follow_button=\"off\" url_new_window=\"on\"]instagram[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_padding_tablet=\"45px||45px||true|false\" custom_padding_phone=\"\" custom_padding_last_edited=\"on|phone\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_image src=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logotipo-footer-pbf-seguros.jpg\" alt=\"Prudential and brokers finance\" title_text=\"Prudential & Brokers Finance\" align=\"center\" _builder_version=\"4.5.1\" width_tablet=\"\" width_phone=\"70%\" width_last_edited=\"on|phone\" module_alignment=\"center\"][\/et_pb_image][\/et_pb_column][et_pb_column type=\"1_3\" _builder_version=\"4.4.9\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_phone=\"||\"][et_pb_image src=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-willis-towers-watson-pbf-seguros.jpg\" alt=\"Willis Towers Watson - Networks | PBF seguros\" title_text=\"Willis Towers Watson - Networks | PBF seguros\" url=\"https:\/\/willisnetworks.es\/\" url_new_window=\"on\" align=\"center\" _builder_version=\"4.4.9\" width_tablet=\"\" width_phone=\"200px\" width_last_edited=\"on|phone\" custom_margin=\"||5px||false|false\"][\/et_pb_image][et_pb_image src=\"https:\/\/www.pbfseguros.com\/wp-content\/uploads\/2020\/06\/img-logo-mediadores-de-seguros-colegiados-pbf-seguros.jpg\" alt=\"Mediador de seguros colegiado | PBF seguros\" title_text=\"Mediador de seguros colegiado | PBF seguros\" url=\"http:\/\/www.mediaseguros.es\/\" url_new_window=\"on\" align=\"center\" _builder_version=\"4.4.9\" width_tablet=\"\" width_phone=\"60px\" width_last_edited=\"on|phone\"][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]","_et_gb_content_width":"","footnotes":""},"class_list":["post-4058","page","type-page","status-publish","hentry"],"yoast_head":"\n