What makes our retirement savings insurance different
Growing savings is a flexible savings insurance policy in which you decide how and when to make contributions. Choose the strategy that best suits your savings needs and obtain a guaranteed return for your medium- and long-term savings without assuming any risk in the investment. In addition, enjoy full protection with several additional coverages.
Return and taxation offered by our Flexible savings insurance
Performance
Our flexible savings insurance, Growing Savings, offers you guaranteed returns, applying an interest rate that is reviewed each quarter, maintaining the principle of transparency. The accumulated value of your policy will not be less than the amount of premiums paid minus the cost of the risk.
Taxation of this life insurance plan
Savings insurance is taxed when the benefit is received and its returns are classified as movable capital and subject to withholdings.
On the other hand, the benefits payable to the beneficiary in the event of the death of the insured party are liable to inheritance tax, and may enjoy significant deductions depending on the degree of relationship between the policyholder and the beneficiary.
Risk profile
Low-risk
High-risk
1
2
3
4
5
6
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.
What our Growing savings insurance covers
Protect your loved ones by guaranteeing them the payment of the value accumulated in your Growing Savings insurance and an additional capital in the event of death.
With our flexible savings insurance, which is also financially paid to your loved ones in the event that you reach an irreversible physical or mental situation that prevents you from exercising any remunerated activity.
If you are diagnosed with a serious illness, you will receive 50% of the capital guaranteed for death, so that you can be treated in the hospital of your choice.
In the event of death due to an accident, the beneficiary designated by you will receive the accumulated value of your Growing savings insurance and double the additional capital for death.
Services included in our Growing savings insurance
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.
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.
Get a second diagnosis for greater peace of mind
A team of professionals will analyse your case, issue a second medical opinion, and advise you on the most appropriate treatment.
- Without leaving home.
- For serious illnesses.
- Also in the event of surgical procedures.
Treatment and rehabilitation for your heart
If you have had heart disease, we can help you with the physical and psychological cardiac rehabilitation process.
- Physical training.
- Psychological rehabilitation.
- Rehabilitation programmes from 4 to 12 months.
We help you to manage your last wishes
Leave everything planned, easily and comfortably.
- 3 procedures in 1.
- Without leaving the house.
- With the advice of an expert.
FAQs
Choose the contribution method that works best for you: periodic or extraordinary.
If you wish, you can pause contributions and carry them on whenever you choose, without any penalty as a result.
You can access your savings, totally or partially, one year after the first contribution and without any penalty.