{"id":1440,"date":"2026-04-06T13:37:51","date_gmt":"2026-04-06T13:37:51","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/?page_id=1440"},"modified":"2026-07-18T07:55:13","modified_gmt":"2026-07-18T05:55:13","slug":"planos-de-poupanca-reforma-ppr","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/pt\/seguros-de-poupanca\/planos-de-poupanca-reforma-ppr\/","title":{"rendered":"Planos de Poupan\u00e7a Reforma (PPR)"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_cf7280b2 page-header height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text header-tag\"><span class=\"w-text-h\"><span class=\"w-text-value\">SEGUROS DE POUPAN\u00c7A<\/span><\/span><\/div><h1 class=\"w-text us_custom_c4a107f8\"><span class=\"w-text-h\"><span class=\"w-text-value\">Planos de Poupan\u00e7a<br \/>\nReforma (PPR)<\/span><\/span><\/h1><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Poupe com tranquilidade para a sua reforma, com vantagens fiscais.<\/span><\/span><\/h4><div class=\"w-separator size_huge\"><\/div><div class=\"w-text btn-more\"><a href=\"#more\" class=\"w-text-h\"><span class=\"w-text-value\">M\u00e1s informaci\u00f3n<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row at-a-glance height_huge\" id=\"more\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">modalidades<\/span><\/span><\/div><div class=\"g-cols wpb_row via_grid cols_2-1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column glance-summery\"><div class=\"wpb_wrapper\"><p>Os nossos PPR\u2019s podem ser contratados segundo as seguintes modalidades:<\/p>\n<ul>\n<li>Seguro de Capital Diferido<\/li>\n<li>Seguro Misto<\/li>\n<li>Seguro de Vida Inteira<\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">CARACTER\u00cdSTICAS DO PRODUTO<\/span><\/span><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Os Planos de Poupan\u00e7a Reforma s\u00e3o instrumentos de poupan\u00e7a individuais que t\u00eam como finalidade a acumula\u00e7\u00e3o de um capital para a fase da vida em que diminui a nossa capacidade laboral e aumentam os gastos inerentes \u00e0 nova condi\u00e7\u00e3o et\u00e1ria.<\/p>\n<p>Os nossos PPR\u2019s s\u00e3o uma excelente forma de conseguir esse objetivo, uma vez que o capital a receber \u00e9 garantido e n\u00e3o depende da evolu\u00e7\u00e3o das cota\u00e7\u00f5es bolsistas nem das taxas de juro. Al\u00e9m disso, os PPR podem incluir cobertura em caso de invalidez ou falecimento do segurado antes da idade da reforma<\/p>\n<p>Os PPR\u2019s t\u00eam importantes vantagens fiscais associadas (diminui\u00e7\u00e3o do imposto sobre o rendimento de capitais). <a href=\"#fi\">Saber mais sobre a fiscalidade dos PPR\u2019s<\/a>.<\/p>\n<p>Poder\u00e1 utilizar a poupan\u00e7a acumulada at\u00e9 o momento em caso de doen\u00e7a grave, desemprego de longa dura\u00e7\u00e3o, incapacidade permanente, reforma por velhice ou para pagar as presta\u00e7\u00f5es vencidas ou vincendas do cr\u00e9dito \u00e0 habita\u00e7\u00e3o desde que cumpridas as condi\u00e7\u00f5es legais aplic\u00e1veis.<\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_49fcf3b6 contact-bottom height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2>Contacte-nos<\/h2>\n<p>Os nossos gestores podem ajud\u00e1-lo a definir o capital seguro de que necessita em fun\u00e7\u00e3o das suas circunst\u00e2ncias pessoais.<\/p>\n<\/div><\/div><div class=\"w-text btn-white\"><a href=\"https:\/\/www.espanasa.com\/pt\/contacto\/\" class=\"w-text-h\"><span class=\"w-text-value\">CONTACTAR<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row additional-coverage height_huge\" id=\"coberturas-adicionales\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">Coberturas adicionais<\/span><\/span><\/div><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">As garantias adaptam-se ao ciclo de vida com seguros complementares de falecimento, acidente, invalidez ou poupan\u00e7a.<\/span><\/span><\/h4><div class=\"w-vwrapper align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Invalidez<\/strong><\/p>\n<p>O seu seguro pode ser complementado com a garantia de isen\u00e7\u00e3o de pagamento de pr\u00e9mios em caso de invalidez absoluta e permanente do Segurado. Adicionalmente, pode contratar uma renda mensal de 1% do capital base do seguro principal, paga at\u00e9 ao vencimento da ap\u00f3lice ou at\u00e9 ao falecimento do Segurado, se ocorrer antes.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Falecimento por acidente<\/strong><\/p>\n<p>Este complemento garante o pagamento de um capital adicional aos benefici\u00e1rios em caso de falecimento do Segurado por acidente, e o dobro se for por acidente de via\u00e7\u00e3o.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Falecimento por qualquer causa<\/strong><\/p>\n<p>As coberturas em caso de falecimento podem ser aumentadas ao longo de toda a dura\u00e7\u00e3o do seguro, durante um prazo ou de forma escalonada. Este complemento \u00e9 ideal para ajustar as coberturas \u00e0s diferentes fases da vida.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Revaloriza\u00e7\u00e3o do capital no vencimento<\/strong><\/p>\n<p>O Ap\u00eandice de Capitais Suplementares garante capitais relevantes no vencimento do seguro mediante o pagamento de pr\u00e9mios crescentes que compensam a perda de poder de compra. Em caso de falecimento, os incrementos de pr\u00e9mio pagos s\u00e3o devolvidos aos benefici\u00e1rios.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row tax-incentives height_huge\" id=\"fiscalidad\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">TRIBUTA\u00c7\u00c3O<\/span><\/span><\/div><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Os benef\u00edcios do seguro de vida gozam de diversos incentivos fiscais, tanto no imposto sobre o rendimento das pessoas singulares como noutros impostos.<\/span><\/span><\/h4><div class=\"w-tabs style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"sg\"><button class=\"w-tabs-section-header\" aria-controls=\"content-sg\" aria-expanded=\"false\"><h4 class=\"w-tabs-section-title\">Tributa\u00e7\u00e3o rendimentos no caso de falecimento<\/h4><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-sg\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_da1a9854\"><div class=\"wpb_wrapper\"><p class=\"p1\">Em caso de falecimento da pessoa segura, a indemniza\u00e7\u00e3o a receber pelos benefici\u00e1rios\u00a0n\u00e3o est\u00e1 sujeita a Imposto do Selo, nem a IRS. O montante do capital em caso de morte, entregue pela Seguradora ao benefici\u00e1rio est\u00e1, na sua totalidade, isento de todos os direitos de sucess\u00e3o.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"fi\"><button class=\"w-tabs-section-header\" aria-controls=\"content-fi\" aria-expanded=\"false\"><h4 class=\"w-tabs-section-title\">Tributa\u00e7\u00e3o rendimentos no caso de vida:<\/h4><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-fi\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h6>Pagamento do seguro em forma de capital:<\/h6>\n<p class=\"p1\">Os rendimentos dos Seguros de Vida, determinados pela diferen\u00e7a entre os montantes recebidos e os respetivos pr\u00e9mios pagos ou import\u00e2ncias investidas, s\u00e3o considerados rendimentos de capitais (categoria E), sendo estes constitu\u00eddos pela diferen\u00e7a entre os montantes pagos a t\u00edtulo de resgate, vencimento ou adiantamento e os respetivos pr\u00e9mios pagos.<\/p>\n<p class=\"p1\">A tributa\u00e7\u00e3o, em sede de IRS, dos rendimentos dos Seguros de Vida cujo montante dos pr\u00e9mios pagos na primeira metade da vig\u00eancia dos respetivos contratos de seguro represente, pelo menos, 35% da totalidade dos pr\u00e9mios, varia em fun\u00e7\u00e3o do tempo decorrido entre a data in\u00edcio do contrato e a data em que ocorre o recebimento desses rendimentos:<\/p>\n<ul>\n<li>Se o contrato durar 8 ou mais anos, a tributa\u00e7\u00e3o incide apenas sobre dois quintos (40%) dos rendimentos auferidos.<\/li>\n<li>Se o contrato durar entre 5 at\u00e9 8 anos, a tributa\u00e7\u00e3o incide sobre quatro quintos (80%) dos rendimentos auferidos.<\/li>\n<li>Se o contrato durar menos de 5 anos, a tributa\u00e7\u00e3o incide sobre a totalidade (100%) dos rendimentos auferidos.<\/li>\n<\/ul>\n<p>Ao valor sujeito a tributa\u00e7\u00e3o em IRS aplica-se a taxa liberat\u00f3ria de 28% (reten\u00e7\u00e3o na fonte).<\/p>\n<p>Assim, a tributa\u00e7\u00e3o efetiva dos rendimentos dos seguros \u00e9 a seguinte (conforme o n\u00ba3 do Art\u00ba 5\u00ba do CIRS):<\/p>\n<\/div><\/div><div class=\"w-html\"><div class=\"tax-table\">\n\n  <div class=\"tax-grid\">\n\n    <div class=\"tax-header\" style=\"text-align:center; font-weight:700;\">\n      Dura\u00e7\u00e3o do contrato\n    <\/div>\n    <div class=\"tax-header\" style=\"text-align:center; font-weight:700;\">\n      Taxa liberat\u00f3ria\n    <\/div>\n\n    <div class=\"cell text bg-white\" style=\"text-align:center;\">\n      8 ou mais anos\n    <\/div>\n    <div class=\"cell amount bg-white\" style=\"text-align:center;\">\n      11.20%\n    <\/div>\n\n    <div class=\"cell text bg-white\" style=\"text-align:center;\">\n      De 5 a 8 anos\n    <\/div>\n    <div class=\"cell amount bg-white\" style=\"text-align:center;\">\n      22.40%\n    <\/div>\n\n    <div class=\"cell text bg-white\" style=\"text-align:center;\">\n      Menos de 5 anos\n    <\/div>\n    <div class=\"cell amount bg-white\" style=\"text-align:center;\">\n      28%\n    <\/div>\n\n  <\/div>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h6>Pagamento do seguro em forma de Renda Tempor\u00e1ria ou Vital\u00edcia:<\/h6>\n<p>Os rendimentos do seguro pagos sob a forma de Renda, s\u00e3o considerados rendimentos de pens\u00f5es para efeitos de IRS e s\u00e3o tributados, mesmo nos casos de reembolso por morte do segurado, de acordo com as regras aplic\u00e1veis a esses rendimentos, nos termos previstos na sec\u00e7\u00e3o de fiscalidade das Rendas Seguras.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><code><\/code><\/p>\n<p style=\"font-size: 0.75em;\">Esta informa\u00e7\u00e3o tem car\u00e1ter geral e est\u00e1 sujeita a altera\u00e7\u00f5es em conformidade com a legisla\u00e7\u00e3o em vigor.<br \/>\nSe pretender obter informa\u00e7\u00f5es adicionais sobre as nossas solu\u00e7\u00f5es, poder\u00e1 contactar-nos.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row blog-carousel height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-hwrapper valign_middle align_justify\" style=\"--hwrapper-gap:0rem\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">ARTIGOS RELACIONADOS DO BLOGUE<\/span><\/span><\/div><div class=\"w-text btn-gold\"><a href=\"\/pt\/blog\/\" class=\"w-text-h\"><span class=\"w-text-value\">TODAS AS PUBLICA\u00c7\u00d5ES<\/span><\/a><\/div><\/div><div class=\"w-grid us_post_carousel type_carousel layout_165 preload_style_spinner items_3\" id=\"us_post_list_p190\" style=\"--items:3;--gap:30px;\"><style>.layout_165 .w-grid-item-h{}<\/style><div class=\"w-grid-list owl-carousel valign_stretch dotstyle_circle navstyle_circle arrows-ver-pos_middle arrows-hor-pos_on_sides_outside arrows-disabled_hide owl-responsive-2000 with_arrows\" style=\"--transition-duration:350ms;--arrows-size:1.5rem;--arrows-gap:10px;\">\t<article class=\"w-grid-item size_1x1 post-2876 post type-post status-publish format-standard has-post-thumbnail hentry category-sobre-nos tag-amarillo tag-carrera tag-criancas tag-lamu tag-madrid tag-pasaporte tag-solidariedade\" data-id=\"2876\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/zancadas-solidarias\/\" class=\"w-grid-item-anchor\" aria-label=\"Zancadas Solidarias\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2017-02-23T00:00:00+01:00\">23rd Fevereiro 2017<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/zancadas-solidarias-1-1024x640.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Zancadas Solidarias<\/div><div class=\"w-post-elm post_content usg_post_content_1\">&#8220;ZANCADAS SOLIDARIAS&#8221;, la carrera por los ni\u00f1os de Lamu se celebrar\u00e1 \u00a0el pr\u00f3ximo\u00a0s\u00e1bado 4 de&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2902 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized-pt tag-grafico tag-infografia tag-multimedia\" data-id=\"2902\">\r\n\t\t<div 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src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Historia-de-la-institucion-del-seguro-de-vida-1-1024x640.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Historia de la instituci\u00f3n del seguro de vida<\/div><div class=\"w-post-elm post_content usg_post_content_1\">La historia del seguro, por lo que respecta al ramo de vida, es sumamente reciente&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2952 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade category-poupanca tag-capitales-diferidos tag-espana-sa tag-solvencia\" data-id=\"2952\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/quien-garantiza-mis-ahorros\/\" class=\"w-grid-item-anchor\" aria-label=\"\u00bfQui\u00e9n y c\u00f3mo garantiza mis ahorros?\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2017-07-20T00:00:00+02:00\">20th Julho 2017<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/quien-y-como-se-grantizan-mis-ahorros-2-1-1024x640.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">\u00bfQui\u00e9n y c\u00f3mo garantiza mis ahorros?<\/div><div class=\"w-post-elm post_content usg_post_content_1\">[et_pb_section transparent_background=&#8221;off&#8221; allow_player_pause=&#8221;off&#8221; inner_shadow=&#8221;off&#8221; parallax=&#8221;off&#8221; parallax_method=&#8221;on&#8221; make_fullwidth=&#8221;off&#8221; use_custom_width=&#8221;off&#8221; width_unit=&#8221;off&#8221; custom_width_px=&#8221;1080px&#8221; custom_width_percent=&#8221;80%&#8221; make_equal=&#8221;off&#8221; use_custom_gutter=&#8221;off&#8221; fullwidth=&#8221;off&#8221; specialty=&#8221;off&#8221;&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3112 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade tag-atualidade\" data-id=\"3112\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/decalogo-da-protecao-de-dados-pessoais\/\" class=\"w-grid-item-anchor\" aria-label=\"Dec\u00e1logo da prote\u00e7\u00e3o de dados pessoais\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2018-06-11T00:00:00+02:00\">11th Junho 2018<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/imgBLOG_Portugal_datos.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Dec\u00e1logo da prote\u00e7\u00e3o de dados pessoais<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Os teus dados pessoais est\u00e3o protegidos? &nbsp; O regulamento Europeu de Prote\u00e7\u00e3o de Dados (RGPD)&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3054 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade category-pensoes-e-reforma tag-atualidade tag-futuro\" data-id=\"3054\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/asegurar-las-etapas-la-vida\/\" class=\"w-grid-item-anchor\" aria-label=\"Protegendo as etapas da vida\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2019-01-15T00:00:00+01:00\">15th Janeiro 2019<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"640\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/1017-asegurar-las-etapas-de-la-vida-1024x640.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Protegendo as etapas da vida<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Qual \u00e9 o produto de prote\u00e7\u00e3o ideal para cada etapa da vida? Cada etapa da&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3147 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade category-poupanca tag-aforro tag-forma-de-poupar tag-plano-de-poupanca-para-o-futuro\" data-id=\"3147\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/ahorro-largo-plazo\/\" class=\"w-grid-item-anchor\" aria-label=\"AFORRO a longo prazo, a solu\u00e7\u00e3o para a sua reforma\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2019-02-17T00:00:00+01:00\">17th Fevereiro 2019<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"400\" height=\"250\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/aforro-1.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">AFORRO a longo prazo, a solu\u00e7\u00e3o para a sua reforma<\/div><div class=\"w-post-elm post_content usg_post_content_1\">A magia da poupan\u00e7a a longo prazo existe e \u00e9 muito f\u00e1cil p\u00f4-la em marcha,\u00a0come\u00e7ar&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3140 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade tag-atualidade\" data-id=\"3140\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/o-trabalho-em-equipa\/\" class=\"w-grid-item-anchor\" aria-label=\"Trabalho em equipa\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2019-04-15T00:00:00+02:00\">15th Abril 2019<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/seguros_espana_vida_pensiones_trabalho_em_equipa01.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Trabalho em equipa<\/div><div class=\"w-post-elm post_content usg_post_content_1\">O trabalho em equipa nao \u00e9 uma ciencia exata,\u00a0todav\u00eda a psicolog\u00eda pode dar-nos algumas indica\u00e7\u00f5es&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3126 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade tag-ahorro-familiar tag-atualidade tag-familias tag-futuro tag-seguro tag-seguros-de-vida\" data-id=\"3126\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/funcao-social-do-seguro-de-vida\/\" class=\"w-grid-item-anchor\" aria-label=\"Fun\u00e7\u00e3o social do Seguro de Vida\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2019-05-07T00:00:00+02:00\">7th Maio 2019<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/FUNCAO-SOCIAL-DO-SEGURO-DE-VIDA.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Fun\u00e7\u00e3o social do Seguro de Vida<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Ningu\u00e9m se sente c\u00f3modo quando pensa na sua pr\u00f3pria morte, encontrando desculpas v\u00e1rias quando nos&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3182 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade tag-atualidade tag-carrera tag-futuro tag-trabalhar-em-seguros\" data-id=\"3182\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/o-setor-segurador-e-lider-no-emprego-de-qualidade\/\" class=\"w-grid-item-anchor\" aria-label=\"O setor segurador \u00e9 lider no emprego de 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style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Comunicado em rela\u00e7\u00e3o \u00e0 cobertura Covid-19<\/div><div class=\"w-post-elm post_content usg_post_content_1\">A\u00a0Organiza\u00e7\u00e3o Mundial de Sa\u00fade\u00a0declarou ontem o\u00a0COVID-19\u00a0como pandemia. Perante as perguntas recebidas, a nossa\u00a0Companhia\u00a0deseja esclarecer que\u00a0a&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-3185 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidade tag-atualidade tag-plano-de-poupanca-para-o-futuro tag-seguro-de-vida\" data-id=\"3185\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pt\/vantagens-em-contratar-um-seguro-de-vida-risco\/\" class=\"w-grid-item-anchor\" aria-label=\"Vantagens em contratar um Seguro de Vida Risco\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2020-03-19T00:00:00+01:00\">19th Mar\u00e7o 2020<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2020\/03\/medium-shot-family-hanging-out-jetty-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Vantagens em contratar um Seguro de Vida Risco<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Hoje j\u00e1 ningu\u00e9m d\u00favida da vantagens de contratar um seguro de vida que proteja nossos&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Ler artigo<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"w-grid-carousel-json hidden\" onclick='return {&quot;carousel_settings&quot;:{&quot;aria_labels&quot;:{&quot;prev&quot;:&quot;Previous&quot;,&quot;next&quot;:&quot;Seguinte&quot;},&quot;autoplayContinual&quot;:false,&quot;autoplayHoverPause&quot;:false,&quot;autoplayTimeout&quot;:3000,&quot;autoWidth&quot;:false,&quot;smartSpeed&quot;:350,&quot;margin&quot;:0,&quot;mouseDrag&quot;:true,&quot;rtl&quot;:false,&quot;slideBy&quot;:&quot;1&quot;,&quot;touchDrag&quot;:true,&quot;slideTransition&quot;:&quot;&quot;,&quot;responsive&quot;:{&quot;0&quot;:{&quot;autoHeight&quot;:false,&quot;autoplay&quot;:false,&quot;autoWidth&quot;:false,&quot;center&quot;:false,&quot;dots&quot;:false,&quot;items&quot;:1,&quot;loop&quot;:false,&quot;nav&quot;:false,&quot;stagePadding&quot;:0,&quot;slideBy&quot;:&quot;1&quot;},&quot;601&quot;:{&quot;items&quot;:3,&quot;autoplay&quot;:false,&quot;center&quot;:false,&quot;dots&quot;:false,&quot;nav&quot;:true,&quot;autoHeight&quot;:false,&quot;autoWidth&quot;:false,&quot;loop&quot;:true,&quot;stagePadding&quot;:0}}}}'><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n\n","protected":false},"excerpt":{"rendered":"Hoje j\u00e1 ningu\u00e9m d\u00favida da vantagens de contratar um seguro de vida que proteja nossos interesses e os da nossa fam\u00edlia. Dentro do ciclo vital de uma pessoa existem eventos imprevistos como doen\u00e7as e acidentes, por\u00e9m temos a oportunidade de anteciparmos as necessidades econ\u00f3mica que da\u00ed resultem contratando um seguro de vida. Contratar um seguro...","protected":false},"author":2,"featured_media":0,"parent":1060,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1440","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/pages\/1440","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/comments?post=1440"}],"version-history":[{"count":5,"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/pages\/1440\/revisions"}],"predecessor-version":[{"id":4587,"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/pages\/1440\/revisions\/4587"}],"up":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/pages\/1060"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/pt\/wp-json\/wp\/v2\/media?parent=1440"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}