PPA Mutualidad - Mutualidad

Do you want to know if you are eligible to become a member of Mutualidad?

Characteristics

Tax benefits

Your contributions, with a limit of €1,500 like the other pension plans, will reduce the taxable base for Personal Income Tax (IRPF).

Pay only for what you need

In addition to the savings and death cover, you can also take out any of the permanent disability, death capital increase or dependency covers, only if you need them. In this way, premiums will be adapted to your circumstances and you will not overpay.

With the option to withdraw your money

You will be able to draw on your money when you retire. However, you can also get it back early in the event of serious illness or long-term unemployment. You will also be able to redeem the economic rights derived from contributions made which have a minimum age of ten years.

Our coverages

Included coverages Optional coverages

Savings coverage

At the maturity of the savings cover you are guaranteed the total of all the contributions you have made.

Death cover

In the event of the death of the policyholder, the beneficiaries of the policyholder can receive the insured capital in any form they wish: as an annuity or in the form of a capital sum. The premiums are adapted to your particular case, depending on the age and the insured capital you wish to reach.

Permanent disability

This cover allows you to receive an income for life in the event that you are unable to carry out your profession, whether employed or self-employed, for physical or mental reasons.

Additional death capital

This cover allows you to leave an insured capital sum to the beneficiaries of your choice so that, in the event of your death, they can receive it in the form they wish: either as a capital sum or as an annuity.

And what’s more, you will receive it as you wish...

When the time comes for you to retire, you will be able to choose how you will receive your pension from your PPA Mutualidad: in the form of an annuity, a capital sum, a combination of the two, or in the form of non-regular payments (with, of course, the remainder of the accumulated value retained).

Annual contribution limits

You can currently contribute up to 1,500 euros per year to your own plan and up to an additional 1,000 euros to your spouse’s plan if he or she does not have any income or has an income of less than 8,000 euros per year. In the event that the holder has a disability or wishes to make an additional contribution in favour of a person with a disability, the annual contributions may be up to 24,250 euros.

Transfer your savings easily.

If you already have a Pension Plan, you can transfer it to the Mutualidad PPA, with which you will not pay commissions (although there are management costs), as well as gaining in profitability and security.

What do I need to do to take out the policy?

If you are already a member, you can apply for this product by logging into your user area.

If you are not yet a member, you can sign up for this product by downloading and completing the application form.

Download application

Need help?

We are at your disposal to answer any questions you may have about this product and its contract, do not hesitate to contact us.

Contact us

Documentation extra

Product sheet

Regulation

Application for transfer

Application form to take out the policy

Previous information note

Frequently Asked Questions

With the Mutualidad PPA it is possible to take out coverage for absolute permanent disability in the form of an annuity or a capital sum. In this system it is not possible to take out temporary disability cover.

The Mutualidad PPA has a basic death capital associated with it, which can also be increased up to a maximum of €300,000.

With the Mutualidad PPA, due to its nature as a PPA, the member may retire at the time he/she actually reaches retirement age in the corresponding Social Security scheme, or in the Mutualidad.

Yes, as long as you are not receiving another private benefit, because you cannot be a beneficiary and participant in one or more plans at the same time for the retirement contingency.

It may be in the form of capital, annuity, mixed or other pay-outs.

Yes, transfer of pension plans, PIAS and PPAs is allowed. The other institution cannot charge any fees or penalties and must make the transfer within 7 days.

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