{"id":5125,"date":"2020-09-19T10:40:55","date_gmt":"2020-09-19T10:40:55","guid":{"rendered":"http:\/\/euseguros.pt\/?p=5125"},"modified":"2020-10-03T10:20:34","modified_gmt":"2020-10-03T10:20:34","slug":"o-seguro-de-vida-e-compensacao-diferida-na-empresa","status":"publish","type":"post","link":"https:\/\/euseguros.pt\/en\/o-seguro-de-vida-e-compensacao-diferida-na-empresa\/","title":{"rendered":"O seguro de vida e compensa\u00e7\u00e3o diferida na empresa"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_text _builder_version=&#8221;4.4.3&#8243; hover_enabled=&#8221;0&#8243;]<\/p>\n<p>Um seguro de vida pode ser usado para a tua empresa ter benef\u00edcios fiscais agora, pagar menos aos colaboradores em dinheiro, mas dares-lhes benef\u00edcios diferidos (adiados para depois), onde se morrerem, os benefici\u00e1rios que indicarem recebem o seguro de vida mais o que tiver na conta de investimento, ou em em alternativa se estiverem vivos, recebem a sua reforma, ou de uma vez ou em rendas.<\/p>\n<p>A empresa tem o benef\u00edcio fiscal agora por ter dado um seguro de vida ao colaborador e o colaborador \u00e9 taxado quando retira o vencimento em rendas na reforma.<\/p>\n<p>Neste artigo vamos ver mais em detalhe estes planos.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.4.3&#8243; hover_enabled=&#8221;0&#8243;]<\/p>\n<h3><strong>Seguro de Vida e Poupan\u00e7a, Seguro de Vida Misto, Seguro de Universal Life<br \/> <\/strong><\/h3>\n<p>Este \u00e9 o produto mais usado para o benef\u00edcio do colaborador.<\/p>\n<p>Em termos pr\u00e1cticos tem duas componentes:<\/p>\n<p><strong>1. Seguro de vida termo decrescente (Tempor\u00e1rio, Anual e Renov\u00e1vel Decrescente)<\/strong><\/p>\n<p>\u00c9 um seguro de vida definido para um determinado espa\u00e7o temporal, por exemplo 30 anos, que come\u00e7a num determinado montante, por exemplo <span class=\"LrzXr kno-fv\">\u20ac<\/span>1.0M e vai reduzindo durante esse per\u00edodo de tempo.<\/p>\n<p><strong>2. Conta de Capitaliza\u00e7\u00e3o<\/strong><\/p>\n<p>Aqui \u00e9 ao contr\u00e1rio. A Seguradora define um juro garantido e a conta vai capitalizando esse juro durante o per\u00edodo de tempo contratado.<\/p>\n<p>A ideia deste seguro misto \u00e9 assegurar o capital pretendido de in\u00edcio no contrato. Come\u00e7a em <span class=\"LrzXr kno-fv\">\u20ac<\/span>1.0M e a seguradora garante no vencimento o capital + o juro garantido. Se o segurado morrer, os benefici\u00e1rios recebem o montante do seguro de vida+ a conta, se sobreviver, ele recebe o montante na conta de capitaliza\u00e7\u00e3o por inteiro ou em rendas.<\/p>\n<p>[\/et_pb_text][et_pb_image src=&#8221;http:\/\/euseguros.pt\/wp-content\/uploads\/2020\/09\/the-theory-of-decreasing-responsibility-l.jpg&#8221; _builder_version=&#8221;4.4.3&#8243;][\/et_pb_image][et_pb_text _builder_version=&#8221;4.4.3&#8243; hover_enabled=&#8221;0&#8243;]<\/p>\n<h3><strong>Benef\u00edcio da Empresa<br \/> <\/strong><\/h3>\n<p>Como a empresa est\u00e1 a dar um benef\u00edcio ao colaborador, n\u00e3o lhe est\u00e1 a pagar directamente, mas \u00e0 seguradora.<\/p>\n<p>Se implementares correctamente o plano de compensa\u00e7\u00f5es diferidas, podes invocar o artigo 43 do CIRC e obter dedu\u00e7\u00e3o dos pr\u00e9mios do seguro de vida.<\/p>\n<p>Se o colaborador desatinar e sa\u00edr, dado que a empresa \u00e9 o tomador do seguro, n\u00e3o tens risco, pois \u00e9 um activo da empresa que apenas muda o segurado quando\/se contratar outro colaborador.<\/p>\n<p>[\/et_pb_text][et_pb_signup provider=&#8221;getresponse&#8221; getresponse_list=&#8221;8oanR&#8221; success_action=&#8221;redirect&#8221; success_redirect_url=&#8221;http:\/\/euseguros.pt\/novo-subscritor\/&#8221; title=&#8221;Subscreve \u00e0 newsletter&#8221; button_text=&#8221;VAMOS!&#8221; description=&#8221;<\/p>\n<p>Recebe informa\u00e7\u00e3o relevante sobre seguros para o teu neg\u00f3cio<\/p>\n<p>&#8221; _builder_version=&#8221;4.4.3&#8243; header_level=&#8221;h1&#8243; header_font=&#8221;||||||||&#8221; header_text_align=&#8221;center&#8221; header_font_size=&#8221;31px&#8221; body_font=&#8221;||||||||&#8221; body_text_align=&#8221;center&#8221; result_message_font=&#8221;||||||||&#8221; background_color=&#8221;#000000&#8243; custom_button=&#8221;on&#8221; button_bg_color=&#8221;#e02b20&#8243; button_font=&#8221;||||||||&#8221; max_width=&#8221;100%&#8221; button_letter_spacing_hover=&#8221;0&#8243; fields_text_shadow_style=&#8221;none&#8221; global_module=&#8221;557&#8243; saved_tabs=&#8221;all&#8221; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;on&#8221; button_letter_spacing__hover=&#8221;0&#8243; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;]<\/p>\n<p>Recebe informa\u00e7\u00e3o relevante sobre seguros para o teu neg\u00f3cio<\/p>\n<p>[\/et_pb_signup][et_pb_text _builder_version=&#8221;4.4.3&#8243; hover_enabled=&#8221;0&#8243;]<\/p>\n<h3><strong>Conclus\u00e3o<\/strong><\/h3>\n<p>Neste artigo abord\u00e1mos o que \u00e9 um seguro de capitais diferidos e como o implementares na tua empresa.<\/p>\n<p>Fazer um seguro de vida de capitais diferidos \u00e9 um passo inteligente dado os benef\u00edcios que a empresa tem. Deves ter aten\u00e7\u00e3o em ter o apoio de um consultor independente e experiente que te possa mostrar o que cada seguradora oferece.<\/p>\n<p>Se precisares de ajuda, estamos ao teu disp\u00f4r.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.4.3&#8243;][et_pb_cta button_text=&#8221;Click Here&#8221; _builder_version=&#8221;3.16&#8243; body_font=&#8221;Lato||||||||&#8221; body_text_align=&#8221;justify&#8221; background_color=&#8221;#000000&#8243; text_orientation=&#8221;justified&#8221; global_module=&#8221;550&#8243; button_text_size__hover_enabled=&#8221;off&#8221; button_one_text_size__hover_enabled=&#8221;off&#8221; button_two_text_size__hover_enabled=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off&#8221; button_one_text_color__hover_enabled=&#8221;off&#8221; button_two_text_color__hover_enabled=&#8221;off&#8221; button_border_width__hover_enabled=&#8221;off&#8221; button_one_border_width__hover_enabled=&#8221;off&#8221; button_two_border_width__hover_enabled=&#8221;off&#8221; button_border_color__hover_enabled=&#8221;off&#8221; button_one_border_color__hover_enabled=&#8221;off&#8221; button_two_border_color__hover_enabled=&#8221;off&#8221; button_border_radius__hover_enabled=&#8221;off&#8221; button_one_border_radius__hover_enabled=&#8221;off&#8221; button_two_border_radius__hover_enabled=&#8221;off&#8221; button_letter_spacing__hover_enabled=&#8221;off&#8221; button_one_letter_spacing__hover_enabled=&#8221;off&#8221; button_two_letter_spacing__hover_enabled=&#8221;off&#8221; button_bg_color__hover_enabled=&#8221;off&#8221; button_one_bg_color__hover_enabled=&#8221;off&#8221; button_two_bg_color__hover_enabled=&#8221;off&#8221;]<\/p>\n<p><img decoding=\"async\" class=\"wp-image-160 alignnone size-medium\" src=\"http:\/\/euseguros.pt\/wp-content\/uploads\/2019\/10\/71501465_130647168324956_5722252823303815168_n-291x300.png\" alt=\"\" width=\"291\" height=\"300\" srcset=\"https:\/\/euseguros.pt\/wp-content\/uploads\/2019\/10\/71501465_130647168324956_5722252823303815168_n-291x300.png 291w, https:\/\/euseguros.pt\/wp-content\/uploads\/2019\/10\/71501465_130647168324956_5722252823303815168_n.png 316w\" sizes=\"(max-width: 291px) 100vw, 291px\" \/><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Ol\u00e1!<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Sou o Diogo, agente de seguros especializado no Ramo Vida. Gosto de ajudar as pessoas a terem informa\u00e7\u00e3o mais clara sobre os servi\u00e7os que adquirem.<\/span><\/p>\n<p style=\"text-align: left;\"><span style=\"color: #ffffff;\">Criei este website para te ajudar\u00a0 a compreender melhor porque deves ter um seguro de vida.<\/span><\/p>\n<p>[\/et_pb_cta][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;3.25&#8243; saved_tabs=&#8221;all&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;3.25&#8243; custom_padding=&#8221;|||&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_contact_form title=&#8221;Sim! Quero pedir uma cota\u00e7\u00e3o para um seguro de Vida agora!&#8221; use_redirect=&#8221;on&#8221; redirect_url=&#8221;http:\/\/euseguros.pt\/blog\/formulario-enviado&#8221; success_message=&#8221;Tudo ok! 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