{"id":13114,"date":"2025-07-14T09:00:21","date_gmt":"2025-07-14T12:00:21","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=13114"},"modified":"2025-12-03T14:24:33","modified_gmt":"2025-12-03T17:24:33","slug":"vgbl-pgbl-isento","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/vgbl-pgbl-isento\/","title":{"rendered":"STF isenta previd\u00eancia privada de imposto sobre heran\u00e7a"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>O <a href=\"https:\/\/noticias.stf.jus.br\/postsnoticias\/stf-proibe-cobranca-de-imposto-da-heranca-sobre-planos-de-previdencia-privada-aberta\/\" target=\"_blank\" rel=\"noopener\">Supremo Tribunal Federal (STF)<\/a> decidiu que os valores recebidos por benefici\u00e1rios de planos de previd\u00eancia VGBL e PGBL n\u00e3o est\u00e3o sujeitos ao ITCMD (Imposto sobre Transmiss\u00e3o Causa Mortis e Doa\u00e7\u00e3o). A decis\u00e3o tem efeito vinculante, ou seja, vale para todo o pa\u00eds.<\/p>\n<p>Essa mudan\u00e7a coloca um ponto final em disputas estaduais que, por anos, geraram inseguran\u00e7a jur\u00eddica e surpresas tribut\u00e1rias em momentos delicados.<\/p>\n<h3>O que est\u00e1 em jogo?<\/h3>\n<p>Ao julgar o Recurso Extraordin\u00e1rio n\u00ba 1.363.013 (Tema 1.214), o STF concluiu que os valores pagos a benefici\u00e1rios de VGBL e PGBL t\u00eam natureza contratual e securit\u00e1ria \u2014 n\u00e3o fazem parte do esp\u00f3lio e, portanto, n\u00e3o configuram heran\u00e7a tribut\u00e1vel.<\/p>\n<p>Em termos simples: n\u00e3o \u00e9 uma heran\u00e7a, mas sim o cumprimento de um acordo feito enquanto a pessoa estava viva. Por isso, n\u00e3o cabe ITCMD.<\/p>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/portabilidade-previdencia-privada\/\" target=\"_blank\" rel=\"noopener\">Portabilidade na Previd\u00eancia Privada: entenda a nova regra<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/previdencia-privada-gamificacao\/\" target=\"_blank\" rel=\"noopener\">Gamifica\u00e7\u00e3o tornar\u00e1 previd\u00eancia privada um beneficio inteligente<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/previdencia-privada-empresarial\/\" target=\"_blank\" rel=\"noopener\">Previd\u00eancia privada empresarial: principais tipos e vantagens<\/a><\/li>\n<\/ul>\n<h2>A previd\u00eancia privada no Brasil<\/h2>\n<p>A <a href=\"https:\/\/acrisure.com.br\/insights\/portabilidade-previdencia-privada\/\" target=\"_blank\" rel=\"noopener\">previd\u00eancia privada<\/a> tem se consolidado como uma alternativa estrat\u00e9gica para o planejamento patrimonial e sucess\u00f3rio, especialmente diante das restri\u00e7\u00f5es enfrentadas pelo sistema p\u00fablico de previd\u00eancia social, operado pelo INSS e de ades\u00e3o obrigat\u00f3ria. Em contrapartida, \u00e9 opcional e se divide em dois modelos distintos:<\/p>\n<ul>\n<li><strong>Planos fechados<\/strong>, administrados por entidades de previd\u00eancia complementar ligadas a empresas, voltados exclusivamente para funcion\u00e1rios vinculados a essas organiza\u00e7\u00f5es;<\/li>\n<li><strong>Planos abertos<\/strong>, disponibilizados por institui\u00e7\u00f5es financeiras, sem necessidade de v\u00ednculo empregat\u00edcio.<\/li>\n<\/ul>\n<h2>O impacto direto para pessoas e empresas<\/h2>\n<p><strong>&#8211; Redu\u00e7\u00e3o de custos de sucess\u00e3o:<\/strong> herdeiros que receberem valores via VGBL\/PGBL n\u00e3o precisar\u00e3o arcar com al\u00edquotas de at\u00e9 8% de ITCMD.<br \/><strong>&#8211; Seguran\u00e7a jur\u00eddica:<\/strong> elimina d\u00favidas sobre o tratamento desses produtos em todo o Brasil.<br \/><strong>&#8211; Planejamento mais estrat\u00e9gico:<\/strong> empresas e fam\u00edlias agora podem estruturar melhor seus planos sucess\u00f3rios, com apoio de consultores e sem risco tribut\u00e1rio oculto.<\/p>\n<h3>Por que isso importa para o seu neg\u00f3cio?<\/h3>\n<p>Se voc\u00ea \u00e9 gestor, s\u00f3cio de empresa familiar ou profissional da \u00e1rea financeira, vale revisar a forma como sua sucess\u00e3o est\u00e1 estruturada. Produtos como VGBL e PGBL, que antes geravam d\u00favidas, agora ganham for\u00e7a como meios leg\u00edtimos de preservar patrim\u00f4nio e proteger sua fam\u00edlia ou s\u00f3cios.<\/p>\n<p><span data-teams=\"true\">Al\u00e9m disso, para empresas que oferecem <strong>previd\u00eancia como benef\u00edcio corporativo<\/strong>, o momento \u00e9 ideal para refor\u00e7ar esse pilar. A previd\u00eancia complementar n\u00e3o apenas atrai e ret\u00e9m talentos, como tamb\u00e9m contribui para uma cultura organizacional voltada \u00e0 seguran\u00e7a financeira de longo prazo \u2014 <a href=\"https:\/\/acrisure.com.br\/insights\/beneficios-mais-desejados-2025\/\" target=\"_blank\" rel=\"noopener\">algo cada vez mais valorizado<\/a>.<\/span><\/p>\n<p>A medida contribui para uma sucess\u00e3o patrimonial mais eficiente e valoriza a previd\u00eancia privada como instrumento de amparo financeiro aos entes queridos. Com menos entraves legais e menor impacto tribut\u00e1rio, os recursos podem ser liberados com rapidez e totalidade, dispensando o processo de invent\u00e1rio e evitando perdas no patrim\u00f4nio.<\/p>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Minist\u00e9rio da Sa\u00fade incluiu, a partir de 1\u00ba de julho de 2025, a vacina meningoc\u00f3cica ACWY como refor\u00e7o para beb\u00eas de 12 meses no SUS.<\/p>\n","protected":false},"author":1,"featured_media":13184,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[22],"tags":[9],"class_list":["post-13114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislacao","tag-rh"],"yoast_head":"<!-- This site is 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