Risk level
1/6 This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Liquidity alerts
The payment of the benefit or the exercise of the right of redemption is only possible in the event of the occurrence of one of the exceptional liquidity contingencies regulated in the pension plan and fund regulations.

PPA Mutualidad

The pension supplement

PPA Mutualidad* is an Assured Pension Plan aimed at mutual members who are looking for a way to supplement their retirement. It allows mobility to and from other pension plans or social security systems and has the same tax benefits as any other pension plan.

* System included in the Plan Universal de la Abogacía.

PPA Mutualidad def
Excellent return
*Interim profitability at the end of 2023: 3.83%. Pending approval by the 2024 General Assembly. Past returns do not imply future returns.

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


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.


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.

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.

Frequently Asked Questions

What risk coverage can I take out?

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.

What is the maximum death benefit?

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

At what age can I retire with the Mutual PPA?

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.

I am receiving social security retirement benefits and I am not currently working. Can I continue to make contributions to the Plan Alternativo Autónomo and the PPA Mutualidad until I retire and continue to deduct them?

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.

Does death cover have to be in the form of capital or can it also be obtained in the form of an annuity?

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

Can I transfer a PPA from another entity?

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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