You pay no subscription fee.
Make total or partial redemptions at any time.
Benefit from lower taxation.
Your capital is guaranteed by the insurer.
| Term |
8 years |
| Minimum Subscription Amounts |
One-off or additional deposits: €1000.00 and a maximum of €125,000.00 per insured person. |
| Capital guarantee |
Yes |
| Profit-sharing |
Yes |
| Rates |
2021: 0.40%/year |
| Subscription fee |
0% |
| Payout fee |
Year 1: 1% on the policy balance. |
| Summary Risk Indicator (SRI) |
1 Low |
| Tax System |
The income of Individuals is taxed pursuant to the legislation in force on the date of payout. Currently, the minimum rates applied are 11.2% from year 8 and 22.4% between years 5 and 8. If withdrawn before year 5, or if the investment made in the first half of the contract is less than 35% of the total investment, the rate will be 28%. See the tax guide for more information. |
| Term
8 years |
| Minimum Subscription Amounts
One-off or additional deposits: €1000.00 and a maximum of €125,000.00 per insured person. |
| Capital guarantee
Yes |
| Profit-sharing
Yes |
| Rates
2021: 0.40%/year |
| Subscription fee
0% |
| Payout fee
Year 1: 1% on the policy balance. |
| Summary Risk Indicator (SRI)
1 Low |
| Tax System
The income of Individuals is taxed pursuant to the legislation in force on the date of payout. Currently, the minimum rates applied are 11.2% from year 8 and 22.4% between years 5 and 8. If withdrawn before year 5, or if the investment made in the first half of the contract is less than 35% of the total investment, the rate will be 28%. See the tax guide for more information. |
How to open an Account
* Aforro 4 is a capitalization insurance product of UNA Seguros de Vida, S.A., with registered offices at Av. de Berna, 24 – D ,1069-170 Lisbon, Portugal. This product is sold by BEST - Banco Electrónico de Serviço Total, S.A., with registered offices at Campus do novobanco, Av. Dr. Mário Soares, Taguspark, Edifício 2, 2nd Floor, 2740-119 Porto Salvo, with share capital of €63,000,000, registered with the Autoridade de Supervisão de Seguros e Fundos de Pensões (Portuguese Insurance and Pension Funds Supervisory Authority) as an Insurance Agent, on 03/13/2008, under no. 408 268 350, and authorized to sell life insurance, non-life insurance and pension funds. Best Bank is not authorized to receive insurance premiums for delivery to insurance companies. As an intermediary, Best Bank does not assume risk coverage and does not enter into contracts on behalf of the Insurers.
All intermediary information can be found at www.asf.com.pt.
This does not preclude reading the legally required pre-contractual and contractual information.
