PIAS or individual savings plans, is a product designed for long-term savings, and that encourages the hiring of annuities, that is, the payment of a supplementary monthly income to retirement, which may start to be received after 10 years from the payment of the first premium.

The tax benefit of these products consists in the exemption of all income generated from the payment of the first premium until the beginning of the collection of the insured annuity.

There are different options of PIAS according to the profitability, and according to the profile of the insured, it adapts to their needs, expectations and preferences of profitability and risk.