Capitalization Insurance or Pension Savings Plan (PPR)
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Protected capital and predictable returnsInvest securely and watch your investment grow over time
100% online processChoose the coverage, set the capital, and activate your Insurance without leaving home
Proposals from various insurersWe work side by side with the leading insurers operating in Portugal
ASF Autoridade de Supervisão de Seguros e Fundos de Pensões
CRRF – BROKERAGE, LDA is registered with the ASF (Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, under no. 421751530, authorized for Life and Non-Life branches, verifiable at www.asf.com.pt. The insurance mediator does not assume risk coverage, does not have the power to enter into contracts on behalf of insurers, and is not authorized to receive premiums to be delivered to insurers. CRRF – BROKERAGE, LDA operates under the national brand "CrediSegur", registered with the INPI under no. 668183Capitalization Insurance: A Life Insurance with savings included
Invest in a single product that combines savings and Life Insurance
Part of the premium amount is invested in applications, which allows you to increase the value of your savings over time due to interest. The other part of the amount is allocated to the coverage of the Life Insurance, ensuring protection for you and your family in case of unforeseen events, such as death or disability.At the end of the term, you can redeem the accumulated savings amount and use it as you wish. Generally, this type of insurance is part of a long-term strategy, and these savings are intended to supplement retirement.
PPR: An investment that goes beyond retirement
The PPR (Pension Savings Plan) is often seen only as a retirement product, designed to bring more peace of mind to your future. However, it is also one of the most tax-efficient financial applications, both in the short and long term.
Tax Benefits of the PPR
Deductions in IRS
AgeDeductible percentageInvestment amountMaximum deduction
Up to 35 years20.00%€2,000.00€400.00
35-50 years20.00%€1,750.00€350.00
Over 50 years20.00%€1,500.00€300.00
By investing €2,000.00 in a PPR, the State can refund you up to €400.00 in IRS
Taxation on Capital Gains
One of the biggest advantages of the PPR is how interest is taxed at the time of redemption.
Whenever the redemption of the amount is made within the maximum maturity conditions, the tax on income (capital gains taxation) is only 8.6%, a lower taxation than that applied to most financial applications. If the redemption is made for a period shorter than the maximum maturity, the taxation of capital gains will vary depending on the time elapsed since the start of the PPR:The longer you keep your PPR, the lower the tax paid on the income will be.
Withdraw the PPR to pay the Mortgage
When is it possible to use a PPR to reduce the mortgage payment?
It is possible to withdraw a Pension Savings Plan (PPR) that is over 5 years old to pay mortgage payments, as long as it is for the owner's or family unit's primary and permanent residence. The amount withdrawn must be used exclusively for this purpose and, if these conditions are met, the withdrawal can be made without losing tax benefits, allowing for a legal reduction of the monthly burden with the house.Free
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It is a financial savings product for the medium and long term, created to complement retirement, allowing for progressive capital accumulation, with associated tax benefits.
Savings discipline, long-term appreciation potential, and tax benefits in IRS, both during the investment phase and at the time of withdrawal.
Yes. The amounts invested can be deducted from the tax base, within the legal limits defined according to the holder's age.
It depends on the type. PPRs in the form of insurance have reduced risk, while PPRs in investment funds are exposed to fluctuations in financial markets.
Yes, in legally defined situations, such as long-term unemployment, serious illness, permanent disability, or payment of mortgage installments.
There is a tax penalty, with the return of the IRS benefits enjoyed and the application of an increased rate on the earnings.
Yes. The earlier you start, the greater the benefit of capitalization tends to be. Still, it remains effective in later stages of active life.
Yes. The transfer is possible and allows you to adjust the product to the investor's profile, without losing the accumulated tax benefits.
The PPR insurance prioritizes stability and predictability. The PPR investment fund assumes greater risk but can offer higher returns in the long term.
It depends on the risk profile, time horizon, financial goals, and tax situation. Specialized guidance is essential for an informed decision.
It is a financial product for savings and investment, typically medium to long-term, that allows you to accumulate capital with high flexibility and tax efficiency.
Capitalization Insurance is not focused on retirement nor does it have a deduction in IRS, but it offers greater flexibility for withdrawals and efficient taxation on earnings.
It depends on the structure of the product. They can have guaranteed capital or be linked to investment funds, with greater or lesser exposure to market risk.
Yes. Taxation only applies to the earnings component and benefits from reduced rates when maintained over the medium and long term.
Yes. Withdrawals are flexible and can be made partially or fully, without the need to meet specific conditions as in PPRs.
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