Financial Insurances

Explore our financial insurance options

Reforma Ativa PPR 2.ª Série

From €30 with tax benefits up to €400/year

Invest in an insurance managed by specialists

Enjoy up to €400 on tax benefits

Invest in an insurance managed by specialists

Enjoy up to €400 on tax benefits

Calculate

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Seguro Investidor Global 2.ª Série

Invest with 5 investment strategies and diversify according to the risk profiles

Risk Life Insurance

Tax benefits

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How does financial insurance work?

Insurance products linked to funds, expertly managed for customized and flexible investment solutions.

You can redeem your money at any time

As long as you comply with the legal requirements.

Insurance allows diversified investment

Each funds is linked to a diversified portfolio.

Easily adaptable to your investor profile

Our diverse range of funds, each with varying risks and returns, can be easily tailored to suit your needs.

Save and get tax benefits

You can get tax benefits when you redeem a financial insurance or when it terminates, from 11,2% to 28%.

Invest in 4 steps!

It’s that easy!

Login to the website

and choose the product to start investing.

Choose the insurance

that best suits your needs and goals.

Calculate the investment

by filling out the necessary details.

Confirm the subscription

after reading the legal documents and confirming the operation details.

What do you need?

To be over 18 years old

To fill out the Investor Questionnaire so that you know which products you can buy

Invest in 4 steps!

It’s that easy!

Login to the website

and choose the product to start investing.

Choose the insurance

that best suits your needs and goals.

Calculate the investment

by filling out the necessary details.

Confirm the subscription

after reading the legal documents and confirming the operation details.

What do you need?

To be over 18 years old

To fill out the Investor Questionnaire so that you know which products you can buy

Frequently asked questions

Questions? We'll help

What are financial insurances?

Financial insurance includes life insurance, categorized into two types: capitalization insurance and unit-linked insurance.

What are the advantages of investing in investment-linked insurance policies?

They allow a programmed, flexible and personalized savings, starting from low amounts, with a medium / long term investment horizon;
They are a diversified investment of savings in autonomous investment funds, with different investment styles, thus adapting to different investor profiles and different market moments;
No guaranteed minimum return, no guarantee of the capital invested, the investment risk is borne by the policyholder.

They allow a programmed, flexible and personalized savings, starting from low amounts, with a medium / long term investment horizon;
They are a diversified investment of savings in autonomous investment funds, with different investment styles, thus adapting to different investor profiles and different market moments;
No guaranteed minimum return, no guarantee of the capital invested, the investment risk is borne by the policyholder.

What are the advantages of investing in capitalization insurances?

They offer structured, adaptable, and tailored savings options, beginning with modest sums, catering to medium to long-term investment objectives.
Provide capital security, with potential for guaranteed minimum returns depending on the policy.
In the case of a PPR (Personal Pension Plan), they come with tax advantages such as the potential for deduction from income tax and special early repayment conditions defined by law (DL 158/2002).
Additionally, they feature reduced income taxation for early repayments as stipulated by law, with rates as low as 8%.

They offer structured, adaptable, and tailored savings options, beginning with modest sums, catering to medium to long-term investment objectives.
Provide capital security, with potential for guaranteed minimum returns depending on the policy.
In the case of a PPR (Personal Pension Plan), they come with tax advantages such as the potential for deduction from income tax and special early repayment conditions defined by law (DL 158/2002).
Additionally, they feature reduced income taxation for early repayments as stipulated by law, with rates as low as 8%.

What are the tax benefits of financial insurance?

Given their typical medium to long-term nature, financial insurances benefit from tax advantages in income taxation, as follows under the IRS (Individual Income Tax):

2% upon redemption/maturity after 8 years;
4% upon redemption between the 5th and 8th year;
28% upon redemption within the first 5 years.

Given their typical medium to long-term nature, financial insurances benefit from tax advantages in income taxation, as follows under the IRS (Individual Income Tax):

2% upon redemption/maturity after 8 years;
4% upon redemption between the 5th and 8th year;
28% upon redemption within the first 5 years.

View more questions

Frequently asked questions

Questions? We'll help

What are financial insurances?

Financial insurance includes life insurance, categorized into two types: capitalization insurance and unit-linked insurance.

What are the advantages of investing in investment-linked insurance policies?

They allow a programmed, flexible and personalized savings, starting from low amounts, with a medium / long term investment horizon;
They are a diversified investment of savings in autonomous investment funds, with different investment styles, thus adapting to different investor profiles and different market moments;
No guaranteed minimum return, no guarantee of the capital invested, the investment risk is borne by the policyholder.

They allow a programmed, flexible and personalized savings, starting from low amounts, with a medium / long term investment horizon;
They are a diversified investment of savings in autonomous investment funds, with different investment styles, thus adapting to different investor profiles and different market moments;
No guaranteed minimum return, no guarantee of the capital invested, the investment risk is borne by the policyholder.

What are the advantages of investing in capitalization insurances?

They offer structured, adaptable, and tailored savings options, beginning with modest sums, catering to medium to long-term investment objectives.
Provide capital security, with potential for guaranteed minimum returns depending on the policy.
In the case of a PPR (Personal Pension Plan), they come with tax advantages such as the potential for deduction from income tax and special early repayment conditions defined by law (DL 158/2002).
Additionally, they feature reduced income taxation for early repayments as stipulated by law, with rates as low as 8%.

They offer structured, adaptable, and tailored savings options, beginning with modest sums, catering to medium to long-term investment objectives.
Provide capital security, with potential for guaranteed minimum returns depending on the policy.
In the case of a PPR (Personal Pension Plan), they come with tax advantages such as the potential for deduction from income tax and special early repayment conditions defined by law (DL 158/2002).
Additionally, they feature reduced income taxation for early repayments as stipulated by law, with rates as low as 8%.

What are the tax benefits of financial insurance?

Given their typical medium to long-term nature, financial insurances benefit from tax advantages in income taxation, as follows under the IRS (Individual Income Tax):

2% upon redemption/maturity after 8 years;
4% upon redemption between the 5th and 8th year;
28% upon redemption within the first 5 years.

Given their typical medium to long-term nature, financial insurances benefit from tax advantages in income taxation, as follows under the IRS (Individual Income Tax):