Insured pension plan, PPA

The best retirement is that which is guaranteed

What does our insurance policy offer you?

Our Insured pension plan, 'PPA futuro Plus', is designed to supplement your retirement without having to depend on the evolution of the markets, as it offers you a guaranteed rate of interest and, at the same time, you'll receive additional returns derived from investments made in the plan.

Benefits of this savings plan

Thinking of your future

Hold on to the quality of life and purchasing power that you choose when you retire, supplementing your income from the public pensions system.

Save at your own pace

We offer you a tailor-made savings system, as you can make one-off, periodical or extraordinary contributions.


When you retire, you will receive the guaranteed capital plus the interest generated, which will be communicated to you on a quarterly basis.

Tax advantages

As you will be able to get tax breaks on your personal income tax declaration, subtracting the contributions made.

Insured pension plan


The Insured pension plan, 'PPA Futuro Plus', establishes a range of scenarios and contingencies for paying out provisions, such as:

  • The retirement of the policy holder or equivalent contingency: at the time of retirement according to the corresponding Social Security scheme, whether at standard retirement age, in advance or at a later date.
  • Permanent disability: where this corresponds with the policy holder's habitual profession, or whether it is permanent and absolute for all kinds of work, or a severe disability. All specified scenarios according to the Social Security scheme.
  • Severe dependence: in the case of the policy holder being severely or highly dependent, with respect to the scenarios laid out by legislation in force.
  • Death of the policy holder: in the event that the policy holder dies, the contributions can be recovered.


Profitability and taxation

PPA futuro Plus offers a guaranteed minimum interest rate during the full term of your contract. Furthermore, benefit from financial returns derived from investments made in the plan. This combination makes it a savings and retirement system that is not affected by the markets, thus contributing to the guarantee of returns in a safe environment.

1 /6

This number is indicative of the risk of the product; 1/6 implicating a lower risk and 6/6 a higher risk

Alerts on liquidity

Paying out the provision and exercising the redemption right are only possible if any of the exceptional liquidity contingencies or scenarios takes place, as governed by the regulations on pension plans and funds.


This savings and retirement plan is aimed at anybody who would like to supplement the funds provided by Social Security, to ensure that they can maintain their current standard of living during retirement.

When you retire you can withdraw the insured capital and the profits generated. If you need to make a redemption prior to your date of retirement, this plan includes scenarios for disability, death or dependence as contingencies for which you can redeem the insured capital.

The applicable interest rate is calculated on the basis of variables such as your age, or the amount contributed. This minimum risk interest rate is maintained throughout lifetime of the insurance contract.

Choose the contribution method that works best with your circumstances and objectives, selecting between the following:

  • Periodical Constant Premium.
  • Periodical Increasing Premium at 5% annually using the arithmetic calculation.
  • Periodical Increasing Premium at the annual CPI using the geometric calculation.
  • Single premium.
  • Extraordinary contributions whenever you choose.

Yes, and it's simple and free of charge, given that regulations for these kinds of saving schemes include the ability to transfer plans at any time.

Why choose Plus Ultra Seguros?

Tax benefits

Constant information