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Private Pension

Insurance Broker

A peaceful future with a guaranteed retirement.

What is it?

Securing a comfortable retirement requires planning and valuing your future.
Banese Insurance Brokerage helps you develop a good retirement plan, or a combined retirement and disability plan, so you can build a more secure future and ensure a better quality of life for you and your family.

  • And that’s not all:
    If you don’t want to receive a monthly income, the total accumulated amount can be redeemed for investment in your personal project all at once. And, if the beneficiary happens to pass away, the entire accumulated amount will revert to their designated beneficiaries;
  • The additional protection benefits allow financial peace of mind to be available to your family in the event of your absence;
  • You can choose the investment fund that best suits your profile and decide between PGBL (Free Benefit Generating Plan) and VGBL (Free Benefit Generating Life Insurance) plans;
  • PGBL pension plans combine the advantages and tax benefits of pension plans with the flexibility and profitability of investment funds.

With our supplementary pension plans, you decide:

  • The amount of your benefit;
  • The amount of your contribution;
  • How long you wish to pay.

If your savings capacity increases, you can, during the contribution period:

  • Increase the contribution amount;
  • Change the method of receiving payments;
  • Change your plan beneficiaries;
  • Change the investment fund;
  • Change the retirement date.

Benefits and Advantages of Each Plan

PGBL

  • Created for those who file their Income Tax using the complete form, the contributions paid by the participant will be entitled to a tax incentive deductible from the taxable income base or in the annual tax return, limited to 12% of their annual gross taxable income, reducing the amount to be paid or increasing the amount of the refund;
  • Income tax is levied on the total amount redeemed;
  • The redeemed amount will be taxed according to the period between the contribution and the redemption, ranging from 35% to 10%;
  • The redeemed amount will be taxed at 15% at source, with the adjustment being made in the annual income tax return, which will be calculated on the total redemption amount;
  • Extensive supplementary coverage;
  • Financial gain exempt from income tax;
  • Transparency in the use of funds;
  • Flexibility for making sound and secure decisions.

VGBL

  • Ideal for those who use the simplified income tax return model or are exempt, the tax is levied only on the plan’s income when redemption occurs and/or when compensation is received in the form of income;
  • It is also suitable for those who want to diversify their investments or for those who wish to invest more than 12% of their gross income in retirement savings plans;
  • The amounts invested in the plan are not deductible for income tax purposes.
  • Only the income will be taxed according to the period between contribution and redemption, and may vary from 35% to 10%. This plan does not offer tax incentives; however, upon redemption, income tax is levied only on the capital gain.

Other solutions for you

Invest in Fixed Income with CDBs

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