Savings and retirement

Life savings insurance

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Choose your life savings insurance plan

The Occident savings insurance plans are the ideal option for building a capital that allows you to achieve your goals with complete peace of mind. They are proposed so that you can decide how you want to manage your money.

Growing Savings insurance

Manage your savings flexibly and securely.

Obtain a guaranteed medium-term and long-term return.
Freely access your money from the first year.

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Capital Savings insurance

The fastest return on your savings.

Obtain a guaranteed short- and medium-term return.
Freely access your money from the ninth month.

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ISSPs

Build a savings plan tailored to your goals.

Decide your own investment strategy.
Do not pay tax on the capital generated if you receive it in the form of income.

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SIALP Savings

Your safest 5-year plan.

Build assets with guaranteed interest.
Benefit from the tax exemption of the returns you generate.

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Multi-fund Investment

Diversify your investment and grow your savings.

Choose and combine a choice of eight funds.
Change your strategy as many times as you like.

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Why people entrust their savings to Occident

Personalised Customer Service

We will accompany you from day one, giving you a personal response to your questions and adapting our offer to your saving profile.

Regular information

We are committed to offering you regular, useful and quality information, with professionals specialising in financial products.

Trust and solvency

Occident is a solid company with a long history, backed by the trust that thousands of people place in its products and professionals.

Return and taxation offered by our life and savings insurance plans

Life savings insurance performance

You will be able to select between a wide variety of saving products and, according to your propensity to risk, choose between savings insurance plans with which you will obtain a guaranteed return or opt for other investment-savings solutions with a higher risk and greater expected return.

Furthermore, depending on the savings insurance plan chosen, the customer may even know the guaranteed yield for a certain period of time in advance.

Life savings insurance taxation

Savings insurance is designed to generate a medium- and long-term capital sum, with taxation implications being the main difference between them and the one that will determine the best choice in each case, depending on the stage of life of the saver and the financial needs he or she may have.

This is because every product has a different taxation type, that will depend on the moment and the way in which the generated capital is received.

FAQs

Savings insurance is tailored to your current needs and circumstances, allowing you to modify the contribution plan at any time and enjoy significant economic benefits, such as its high level of liquidity, enabling you to recover the capital accumulated in part or in full, as well as significant tax advantages.

Improve your savings with maximum guarantees and complete peace with the Occident insurance plan most suited to the level of risk level you are prepared to assume, choosing the amount and frequency of your contributions, the type of return and the way in which will redeem your capital.

At Occident, we want to offer you maximum availability of your savings and therefore all our savings insurance plans have a high level of liquidity. However, we recommend that you contact your broker to consult at what time it is most beneficial for you to have access to your money.

FAQs

Life savings insurance

Choose your life savings insurance plan

Growing Savings insurance

Capital Savings insurance

ISSPs

SIALP Savings

Multi-fund Investment

Why people entrust their savings to Occident

Personalised Customer Service

Regular information

Trust and solvency

Return and taxation offered by our life and savings insurance plans

Performance

Taxation

Life savings insurance performance

Life savings insurance taxation

FAQs

Why take out a savings insurance plan?

How do you take out savings insurance?

What happens if I need my money and I want to redeem it?

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