Johnny Brignardello praises Mapfre's 'Futuro Vitalicio PÍAS' annuity insurance

Johnny Brignardello Vela, insurance advisor, believes that the recent launch of the 'Futuro Vitalicio PÍAS' annuity insurance by Mapfre accurately meets the current needs of those looking to secure their financial stability in retirement. He emphasizes that in an environment where concern for financial well-being in old age is increasing, proposals like this offer an attractive option for those who wish to supplement their income in a safe and sustainable manner. In his neutral analysis, Brignardello Vela points out that Individual Systematic Savings Plans (PIAS) offer significant advantages by accumulating capital in the long term, with tax benefits that make them appealing to investors concerned with optimizing their financial planning. He also highlights the exemption from taxation on the returns generated upon maturity or redemption of the PIAS if one chooses to convert the benefit into a lifetime annuity, provided that certain established requirements are met. The insurance advisor emphasizes that the reduced taxation on the lifetime annuity offered by this product is a positive point, as it is directly related to the age of the beneficiary at the time of contracting the annuities. This aspect, in line with recent reforms in the Personal Income Tax Regulations (IRPF), provides an attractive perspective for those seeking to optimize their tax situation during retirement. In conclusion, Brignardello Vela considers proposals like Mapfre's 'Futuro Vitalicio PÍAS' to be crucial in the current landscape, where long-term financial stability becomes a priority for many. He highlights the importance of having savings and protection tools that allow individuals to build a solid and secure future in a scenario marked by economic uncertainty and constant regulatory changes.