Capital Savings insurance

The main menu is now hidden, navigation available in the fixed menu anchor.

What makes our savings insurance different

With Capital savings we guarantee the safe growth of your savings and, at the same time, you will have the advantages of life insurance. Decide at any time how much you want to contribute and benefit from excellent liquidity.

Liquidity

Get partial access to your savings after three months. After nine months you can have full access to them without any penalties.

Transparency

Check the performance of your savings at all times and receive information updated annually at your home.

Protection

Capital Savings provides you with additional capital for death to protect the people around you financially.

Safety

You will enjoy a guaranteed fixed return in the first year and it will then be updated every three months.

Supplementary premiums

You will have the possibility of contributing extraordinary amounts.

Group

Group together the different insurance policies you have, including those of your family unit and benefit from numerous advantages.

Ahorro capital insurance modalities

Intended for customers who do not want to take on any risk in their investment and who are looking for sporadic savings with the contribution of supplementary premiums.
This product allows you to benefit from a guaranteed interest rate for a term of one year. After this first year, the interest rate is fixed quarterly.

Performance and taxation of Capital savings

Performance

Capital savings offer you guaranteed returns during the first year of the policy's validity. After the first year, the return is updated quarterly.

Taxation

Savings insurance like Capital Savings is taxed when the benefit is received and its returns are classified as movable capital and subject to withholdings.

The amounts payable to the beneficiary on the death of the insured person are subject to inheritance tax. The amount of this tax varies depending on the relationship between the deceased person insured and the beneficiary.

Risk profile Ahorro capital

Low-risk

High-risk

Generally lower returns

Generally higher returns

This number is indicative of the risk of the product; 1/6 implicating a lower risk and 6/6 a higher risk.

Services included in our Capital savings insurance

Courtesy service

A lawyer when you need one most

Resolve any legal matter that may arise in your private or family life.

24 hours a day, 365 days a year.
No limit on consultations.
Social Security administration procedures and claims for Social Security benefits.

Go to Legal advice helpline

Courtesy service

A doctor at your disposal 24 hours a day

We put you in contact with a professional by telephone or video call to answer any health-related query you may have.

At any time of the day, wherever you are.
Immediate attention, with no waiting lists.

Go to Telephone medical advice

FAQs

You can take out a Capital savings plan with an initial premium with the possibility of making additional contributions later.

Capital Savings is aimed at all investors who want to yield a profit from their capital, in a secure and guaranteed way.

You can access the capital you have invested, partially three months after the first contribution has been made, and fully after nine months, without any penalty.

FAQs

Home
Life savings insurance
Capital Savings

Maybe you were looking for...

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.

See insurance

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.

See insurance

Customer account

Group your insurance policies together and save.

The first monthly payment is free.
Receive guaranteed returns the first year.

See insurance

Capital Savings insurance

What makes our savings insurance different

Liquidity

Transparency

Protection

Safety

Supplementary premiums

Group

Ahorro capital insurance modalities

Capital Savings

Performance and taxation of Capital savings

Performance

Taxation

Performance

Taxation

Services included in our Capital savings insurance

Legal advice helpline

Telephone medical advice

A lawyer when you need one most

A doctor at your disposal 24 hours a day

FAQs

What are my options with respect to the contributions?

Who is this investment plan for?

When can I withdraw my savings?

Maybe you were looking for...

Growing Savings insurance

ISSPs

Customer account

Follow us on social media

Download the app

News and advice

Professionals