{"id":2976,"date":"2020-09-10T16:07:24","date_gmt":"2020-09-10T16:07:24","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?page_id=2976"},"modified":"2020-09-26T12:11:47","modified_gmt":"2020-09-26T12:11:47","slug":"savings-life-insurance","status":"publish","type":"page","link":"https:\/\/www.pbfseguros.com\/en\/savings-life-insurance\/","title":{"rendered":"Savings Insurance"},"content":{"rendered":"

[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

Choose the Life Insurance that best suits you and your savings<\/h1>\n

[\/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”]<\/p>\n

Insured Pension Plan (PPA)<\/h3>\n

[\/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”]<\/p>\n

It is a long-term savings insurance policy, whose objective is to complement the public retirement pension and whose contributions are tax-deductible.<\/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

Profitability<\/h3>\n

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>\n

Contributions<\/h3>\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>\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>\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>\n

Liquidity<\/h3>\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>\n

Forms of rescue<\/h3>\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>\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=”4.5.8″ 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”]<\/p>\n

Individual Long-Term Savings Insurance (SIALP)<\/h3>\n

[\/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”]<\/p>\n

It is a long-term savings insurance, minimum 5 years, in which the policyholder, insured and beneficiary must always be the same person.<\/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

Profitability<\/h3>\n

Contributions cannot exceed 5,000 euros per year and partial redemptions cannot be made. Contributions are not tax-deductible.<\/p>\n

Contributions<\/h3>\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>\n

Forms of rescue<\/h3>\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>\n

    \n
  • HUp to 6,000 euros at 19%.<\/li>\n
  • From 6,000.01 to 50,000 euros at 21%<\/li>\n
  • From 50,000.01 to 23%<\/li>\n<\/ul>\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” custom_padding_phone=””][et_pb_column type=”4_4″ _builder_version=”4.4.7″][et_pb_text _builder_version=”4.4.8″ header_2_font=”|300|||||||” header_2_text_align=”center” header_2_text_color=”#95b344″ header_2_font_size=”55px” header_3_font=”|600|||||||” header_3_text_align=”center” header_3_font_size=”26px” header_3_line_height=”1.2em” custom_margin=”||10px||false|false” custom_margin_tablet=”” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” 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=”18px” header_3_font_size_last_edited=”on|phone” header_3_line_height_tablet=”” header_3_line_height_phone=”1.3em” header_3_line_height_last_edited=”on|phone”]<\/p>\n

    Quotation request<\/h2>\n

    Without any obligation, we will send it to you within 24 hours.<\/h3>\n

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    \n
    \n

    We work with the best insurance companies that are specialized in Life Savings Insurance.<\/h3>\n

    You are three steps away from your Life Savings Insurance at the best price!<\/h3>\n<\/div>\n<\/div>\n

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    Choose the Life Insurance that best suits you and your savingsInsured Pension Plan (PPA)It is a long-term savings insurance policy, whose objective is to complement the public retirement pension and whose contributions are tax-deductible.Profitability The Insured Pension Plan (PPA) has a minimum return guaranteed by law for a specific period or even for life, and […]<\/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\"]<\/p>

    Elige el Seguro de Vida que mejor se adapta a ti y tus ahorros<\/h1>

    [\/et_pb_text][et_pb_button button_url=\"#presupuesto\" button_text=\"Solicita presupuesto\" button_alignment=\"center\" _builder_version=\"4.4.8\" 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=\"4.4.9\" 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\" hover_enabled=\"0\" 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>

    Plan Previsi\u00f3n Asegurado (PPA)<\/h3>

    [\/et_pb_text][et_pb_text _builder_version=\"4.4.8\" text_text_color=\"#000000\" text_orientation=\"center\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|desktop\"]<\/p>

    Es un Seguro de Ahorro a largo plazo, cuyo objetivo es complementar la pensi\u00f3n p\u00fablica de jubilaci\u00f3n y cuyas aportaciones desgravan en la renta.<\/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\"]<\/p>

    Rentabilidad<\/h3>

    El Plan de Previsi\u00f3n Asegurado (PPA)<\/strong> tiene una rentabilidad m\u00ednima garantizada por Ley durante un periodo concreto o incluso vitalicio, y que cada trimestre, semestre o anualidad (dependiendo del producto) ofrece un inter\u00e9s adicional al m\u00ednimo garantizado. Al contrario que los planes de pensiones nunca puede presentar una rentabilidad negativa en el momento del rescate (excepto en los rescates por supuestos excepcionales de liquidez como grave enfermedad o desempleo, en los PPA con inversiones afectas).<\/p>

    Aportaciones<\/h3>

    El PPA<\/strong> tiene las mismas ventajas fiscales que un Plan de Pensiones, es decir, todas las aportaciones desgravan fiscalmente en tu declaraci\u00f3n de renta anual, con los siguientes l\u00edmites m\u00e1ximos, dependiendo de la edad del aportante:
    Con la nueva reforma fiscal del a\u00f1o 2015 se limitan las aportaciones a 8.000\u20ac independientemente de la edad, con el tope del 30% de la suma de los rendimientos del trabajo y de actividades econ\u00f3micas.
    Estos l\u00edmites podr\u00e1n subir ya que, con independencia de las reducciones anteriores, si tu c\u00f3nyuge percibe rentas inferiores a 8.000\u20ac anuales, podr\u00e1s reducir las aportaciones realizadas a favor de tu c\u00f3nyuge, con el l\u00edmite m\u00e1ximo anual de 2.500\u20ac.<\/p>

    Liquidez<\/h3>

    El PPA<\/strong> es il\u00edquido, es decir, no se puede disfrutar de los ahorros salvo por los siguientes casos: jubilaci\u00f3n (inclusive la anticipada), fallecimiento, invalidez absoluta, dependencia severa o gran dependencia, grave enfermedad del propio participe, de su c\u00f3nyuge, de familiares hasta el primer grado o de personas en r\u00e9gimen de tutela o acogimiento, y por \u00faltimo, por desempleo (incluido ERE), tanto si eres asalariado como si eres aut\u00f3nomo. A partir del 2015 tambi\u00e9n se puede rescatar transcurridos 10 a\u00f1os de antig\u00fcedad de la aportaci\u00f3n.<\/p>

    Formas de rescate<\/h3>

    A la hora de la prestaci\u00f3n ofrece las mismas posibilidades que los planes de pensiones, es decir, cobrarlo de una sola vez (en forma de capital), en forma de renta, o en forma mixta (una combinaci\u00f3n de las dos anteriores). Y seg\u00fan la entidad aseguradora tambi\u00e9n pagos sin periodicidad regular<\/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=\"4.4.9\" 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\" hover_enabled=\"0\" 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>

    Seguro Individual de Ahorro a Largo Plazo (SIALP)<\/h3>

    [\/et_pb_text][et_pb_text _builder_version=\"4.4.8\" text_text_color=\"#000000\" text_orientation=\"center\" text_font_size_tablet=\"\" text_font_size_phone=\"\" text_font_size_last_edited=\"on|desktop\"]<\/p>

    Es un Seguro de Ahorro a largo plazo, m\u00ednimo 5 a\u00f1os, en el que el tomador, asegurado y beneficiario deber\u00e1n ser siempre la misma persona.<\/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\"]<\/p>

    Rentabilidad<\/h3>

    La rentabilidad generada por los SIALP<\/strong> est\u00e1 exenta de impuestos si se mantiene un m\u00ednimo de 5 a\u00f1os.<\/p>

    Aportaciones<\/h3>

    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>

    Formas de rescate<\/h3>

    Si se rescata antes de los 5 a\u00f1os, los rendimientos tributan por Rendimientos del Capital Mobiliario (RCM), seg\u00fan el siguiente escalado:<\/p>

    • Hasta 6.000\u20ac al 19%<\/li>
    • Desde 6.000,01\u20ac hasta 50.000\u20ac al 21%<\/li>
    • Desde 50.000,01\u20ac al 23%<\/li><\/ul>

      [\/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\" custom_padding_phone=\"\"][et_pb_column type=\"4_4\" _builder_version=\"4.4.7\"][et_pb_text _builder_version=\"4.4.8\" header_2_font=\"|300|||||||\" header_2_text_align=\"center\" header_2_text_color=\"#95b344\" header_2_font_size=\"55px\" header_3_font=\"|600|||||||\" header_3_text_align=\"center\" header_3_font_size=\"26px\" header_3_line_height=\"1.2em\" custom_margin=\"||10px||false|false\" custom_margin_tablet=\"\" custom_margin_phone=\"||0px||false|false\" custom_margin_last_edited=\"on|phone\" 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=\"18px\" header_3_font_size_last_edited=\"on|phone\" header_3_line_height_tablet=\"\" header_3_line_height_phone=\"1.3em\" header_3_line_height_last_edited=\"on|phone\"]<\/p>

      Solicitud de presupuesto<\/h2>

      Sin ning\u00fan compromiso, te lo enviamos antes de 24 horas.<\/h3>

      [\/et_pb_text][et_pb_text _builder_version=\"4.4.8\" 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\" width__hover_enabled=\"on|desktop\"]<\/p>

      \u00a1Trabajamos con las Mejores aseguradoras Especializadas en Seguros de Empresa!<\/p>

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      Actualidad<\/h2>

      Para estar a la \u00faltima en el mundo de los seguros<\/h3>

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      \u00a1Te llamamos GRATUITAMENTE!<\/h3>

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      [\/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=\"256\" saved_tabs=\"all\"][et_pb_row column_structure=\"1_3,1_3,1_3\" _builder_version=\"4.4.8\" width=\"100%\" max_width=\"100%\" module_alignment=\"center\" custom_margin=\"40px||40px||true|false\"][et_pb_column type=\"1_3\" _builder_version=\"4.4.8\" custom_padding=\"3%||||false|false\" custom_padding_tablet=\"3%||||false|false\" custom_padding_phone=\"0%||||false|false\" custom_padding_last_edited=\"on|tablet\" custom_css_main_element_last_edited=\"on|tablet\" custom_css_main_element_tablet=\"display: inline-block;||max-width:33%;\" custom_css_main_element_phone=\"||\"][et_pb_text _builder_version=\"4.4.8\" 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\"]<\/p>

      !S\u00edguenos!<\/h4>

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