Group Savings Insurance

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What makes our Group Savings insurance different

Our Group savings insurance lets you manage commitments entered into with your workers with regard to savings. It is a policy that adapts to the specific needs of each company and is perfect for motivating your employees, complementing their income with a capital when they retire, while being an excellent loyalty tool at the same time.

Meet your commitments

The retirement commitments acquired by companies with their employees must be outsourced, that is, managed professionally and independently by an insurance company in line with the current legislation.

Build up your employees' loyalty

You will be providing your employees a financial supplement when they retire to add to their corresponding remuneration, so they can maintain a similar standard of living to the one they had during their working life.

Capital recovery

You will recover any accumulated capital corresponding to the employees that leave the company, for whatever reason, before their retirement, allowing you to have access once again to the invested money.

Group Savings Insurance modalities

The commitment undertaken regulates the contribution to be made.

The commitment undertaken regulates the benefit received.

What our group savings insurance covers

This is an insurance linked to retirement, so that the amount will depend on what is laid down in the collective agreement or the in-house agreement or undertaking entered into by the company with its workers.

Group savings insurance for companies also works as life insurance, so in the event of death, the worker will also be covered.

Capital may be monthly payments or fixed amounts and will be determined according to length of service, retirement age or other factors contained in the commitment.

FAQs

This insurance is especially designed for small- and medium-sized enterprises. It can be used to cover the pension commitments acquired by the company with its employees, as well as to cover the key person (a particular business unit or sole owner of the company) whose absence -whether due to death, retirement or disability- could jeopardise the continuity of the business.

Most companies include an incentive for their employees in their collective agreements. Through them, they offer a certain number of monthly salary payments that the worker will receive in the event of retirement.

The law requires that these pension commitments be externalised as a guarantee of compliance for employers and employees. This regulation prohibits the company from covering these commitments through its own internal funds, in order to avoid the risk of illiquidity at the time of the worker's accrual.

The amounts that employees will receive will depend on what is indicated in the corresponding collective agreement and will vary according to the age of the worker.

In the event of retirement, the beneficiary will be the insured party and in the rest of cases, depending on the provisions of the agreement and the tax treatment applied to the premiums, it will be the insured party, the policyholder or the designated beneficiaries.

The accumulated fund will be in favour of the policyholder or the insured party, depending on the provisions of the pension commitment and the tax treatment applied to the premiums.

FAQs

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Group Savings Insurance

What makes our Group Savings insurance different

Meet your commitments

Build up your employees' loyalty

Capital recovery

Group Savings Insurance modalities

Group savings contribution for companies

Group savings plan for companies

What our group savings insurance covers

Retirement

Death

Coverage amounts

FAQs

What types of company is the Group savings insurance aimed at?

Why is this insurance plan interesting for your company?

Who is the beneficiary of this type of insurance?

What happens if the employee leaves the company?

Consult documentation

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