{"id":4508,"date":"2020-10-29T13:17:41","date_gmt":"2020-10-29T13:17:41","guid":{"rendered":"https:\/\/www.pbfseguros.com\/?page_id=4508"},"modified":"2020-10-29T13:25:49","modified_gmt":"2020-10-29T13:25:49","slug":"assicurazioni-di-accantonamento","status":"publish","type":"page","link":"https:\/\/www.pbfseguros.com\/it\/assicurazioni-di-accantonamento\/","title":{"rendered":"Assicurazioni di accantonamento"},"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

Scegli l’assicurazione sulla vita pi\u00f9 adatta a te e ai tuoi risparmi<\/h1>\n

[\/et_pb_text][et_pb_button button_url=”#presupuesto” button_text=”Richiedi Preventivo” button_alignment=”center” _builder_version=”4.6.6″ 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” hover_enabled=”0″ button_text_size_tablet=”22px” button_text_size_phone=”15px” button_text_size_last_edited=”on|phone” box_shadow_style=”preset3″ locked=”off” sticky_enabled=”0″][\/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=”4.6.6″ 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” sticky_enabled=”0″]<\/p>\n

Piano di Inversione (PPA)<\/h3>\n

[\/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>\n

\u00c8 un’assicurazione di risparmio a lungo termine, il cui obiettivo \u00e8 quello di integrare la pensione pubblica di vecchiaia al quale i contributi vengono detratti dal reddito.<\/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

Redditivit\u00e0<\/h3>\n

Il Piano di Inversione (PPA)<\/strong> ha una redditivit\u00e0 minima garantita dalla legge per un determinato periodo o addirittura una vita, e che ogni trimestre, semestre o rendita (a seconda del prodotto) offre un interesse aggiuntivo al minimo garantito. A differenza dei piani pensionistici, non pu\u00f2 mai presentare una redditivit\u00e0 negativa al momento del riscatto (tranne nel riscatto dovuto a casi eccezionali di liquidit\u00e0 come malattia grave o disoccupazione, in PPA con investimenti interessati).<\/p>\n

Contributo<\/h3>\n

Il PPA<\/strong> ha gli stessi vantaggi fiscali di un Piano Pensione, ovvero tutti i contributi sono deducibili dalle tasse sul conto economico annuale, con i seguenti limiti massimi, a seconda dell’et\u00e0 del contribuente:
Con la nuova riforma fiscale del 2015 i contributi sono limitati a 8.000 euro indipendentemente dall’et\u00e0, con un massimale del 30% della somma dei redditi da lavoro e delle attivit\u00e0 economiche.
Tali limiti possono aumentare in quanto, indipendentemente dalle precedenti riduzioni, se il tuo coniuge percepisce un reddito inferiore a \u20ac 8.000 annui, puoi ridurre i contributi versati a favore del tuo coniuge, con il limite massimo annuo di \u20ac 2.500.<\/p>\n

Liquidit\u00e0<\/h3>\n

Il PPA non \u00e8 liquidabile, cio\u00e8 non si pu\u00f2 godere del risparmio se non nei seguenti casi: pensionamento (anche anticipato), morte, invalidit\u00e0 assoluta, dipendenza grave o grande dipendenza, malattia grave del partecipante stesso, del coniuge, dei parenti fino a il primo grado o di persone sotto tutela o affidamento e, infine, per disoccupazione (ERE compresa), sia che tu sia un lavoratore subordinato sia che tu sia un lavoratore autonomo. A partire dal 2015 pu\u00f2 essere riscattato anche dopo 10 anni di antichit\u00e0 del contributo.<\/p>\n

Forme di riscatto<\/h3>\n

Al momento del beneficio, offre le stesse possibilit\u00e0 dei piani pensionistici, ovvero di incassarlo in una sola volta (sotto forma di capitale), sotto forma di reddito, o in forma mista (combinazione dei due precedenti). E secondo la compagnia assicurativa anche pagamenti senza periodicit\u00e0 regolare.<\/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=”4.4.9″ 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” 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

Assicurazione individuale di risparmio a lungo termine (SIALP)<\/h3>\n

[\/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>\n

Si tratta di un’assicurazione di risparmio a lungo termine, minimo 5 anni, in cui contraente, assicurato e beneficiario devono essere sempre la stessa persona.<\/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

Redditivit\u00e0<\/h3>\n

La redditivit\u00e0 generata dal SIALP \u00e8 esente da tassazione se mantenuta per un minimo di 5 anni.<\/p>\n

Contributo<\/h3>\n

I contributi non possono superare \u20ac 5.000 annui e non possono essere effettuati rimborsi parziali. I contributi non vengono detratti dall’imposta sul reddito delle persone fisiche.<\/p>\n

Forme di Riscatto<\/h3>\n

Se viene rimborsato prima di 5 anni, i rendimenti sono tassati dal reddito da capitale mobile (RCM), secondo la seguente scala:<\/p>\n

    \n
  • Fino a 6.000\u20ac al 19%<\/li>\n
  • Da 6.000,01\u20ac fino a 50.000\u20ac al 21%<\/li>\n
  • Da 50.000,01\u20ac al 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” locked=”off”]<\/p>\n

    Richiesta di Preventivo<\/h2>\n

    Senza alcun impegno, te lo invieremo entro 24 ore.<\/h3>\n

    [\/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” locked=”off”]<\/p>\n

    \n
    \n

    Lavoriamo con i Migliori assicuratori Specializzati in assicurazioni di accantonamento.<\/h3>\n

    Ti mancano 3 passi per stipulare la tua assicurazione di accantonamento al miglior prezzo!<\/h3>\n<\/div>\n<\/div>\n

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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=”Grazie per contattarci.” submit_button_text=”Parliamo” module_id=”form_hablemos” _builder_version=”4.6.6″ 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=”” 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button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” custom_css_main_element_last_edited=”on|desktop”][\/et_pb_contact_field][et_pb_contact_field field_id=”phone” field_title=”Telefono” _builder_version=”4.6.6″ button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_contact_field][et_pb_contact_field field_id=”oficinas” field_title=”Scegli l\u2019ufficio” field_type=”select” 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″ _builder_version=”4.6.6″][\/et_pb_contact_field][et_pb_contact_field field_id=”idioma” field_title=”Scegli la lingua” field_type=”select” select_options=”%91{%22value%22:%22Spagnolo%22,%22checked%22:0,%22dragID%22:-1},{%22value%22:%22Inglese%22,%22checked%22:0,%22dragID%22:0},{%22value%22:%22Italiano%22,%22checked%22:0,%22dragID%22:1},{%22value%22:%22Tedesco%22,%22checked%22:0,%22dragID%22:2},{%22value%22:%22Francese%22,%22checked%22:0,%22dragID%22:3}%93″ _builder_version=”4.6.6″][\/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=”4.5.8″ text_font_size=”18px” header_3_font=”|700|||||||” header_3_text_color=”#ffffff” header_3_font_size=”33px” width_tablet=”75%” width_phone=”90%” 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    Ti chiamiamo GRATUITAMENTE!<\/h3>\n

    Ti assistiamo nella tua lingua:
    Spagnolo, Inglese, Italiano, Tedesco, Francese<\/strong>. Dall\u2019ufficio che preferisci.<\/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” _builder_version=”4.4.8″ custom_padding=”120px|||||” custom_padding_tablet=”60px||||false|false” custom_padding_phone=”0px||0px||false|false” saved_tabs=”all” global_module=”4335″][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=”4.6.6″ 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>\n

    Seguici!<\/h4>\n

    [\/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]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Scegli l’assicurazione sulla vita pi\u00f9 adatta a te e ai tuoi risparmiPiano di Inversione (PPA) \u00c8 un’assicurazione di risparmio a lungo termine, il cui obiettivo \u00e8 quello di integrare la pensione pubblica di vecchiaia al quale i contributi vengono detratti dal reddito.Redditivit\u00e0 Il Piano di Inversione (PPA) ha una redditivit\u00e0 minima garantita dalla legge per […]<\/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\" 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 Vida 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, este seguro de Vida, te 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\" 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 de Vida 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 Vida 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=\"4.5.8\" 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\" locked=\"off\" width__hover_enabled=\"on|desktop\"]<\/p>

      Trabajamos con las Mejores aseguradoras Especializadas en Seguros de Vida.<\/h3>

      \u00a1Est\u00e1s a 3 pasos de contratar tu Seguro de Vida al mejor precio!<\/h3>

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