Pension Plans offer an organised and reliable savings solution to provide income after retirement, in order to create a stable financial plan for the future. Through guaranteed or investment options, policyholders can design a plan that meets their horizon, risk and financial goals, ensuring predictability and gradual capital enhancement with tax benefits.
With flexibility in contributions, the possibility to adjust over the life of the contract and transparency in management, pension schemes contribute to long-term financial security and shield against future uncertainties. Maxima Insurance provides personalized needs analysis, comparison of investment and guaranteed solutions and full advisory support, so that the policyholder can formulate a strong and sustainable pension plan.
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Frequently Asked Questions
Find answers to key questions about the plan and get information before you choose the coverage that’s right for you.
It is an insurance/investment product that aims to create capital for the post-retirement period, acting as a long-term financial planning tool.
- You pay regular contributions (premiums)
- The capital is invested (depending on the project)
- At the end you receive:
- a lump sum and/or
- monthly pension (annuity)
- Yes, there is flexibility in most programmes:
- increase/reduction of contributions
- temporary holiday (premium holiday)
Possibilities:
- partial takeover
- full acquisition
There may be:- charges
- yield loss
- The tax framework depends on the legislation
- Usually there are:
- tax incentives; or
- favourable taxation on exit
- The accumulated capital is paid to the beneficiaries
- In some plans there is additional life cover