Growing Savings insurance

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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.

Flexible savings

Decide how you want to save and change your choice to suit your needs.

Safety

Enjoy the peace of mind that it gives you to build wealth without any risks.

Protection

Extend the coverage of your Growing Savings insurance, supplementing it with life insurance.

Group

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

Liquidity

You will be able to freely access the money from the first year without any penalty.

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

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

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

Courtesy service

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.

Go to second medical opinion

Courtesy service

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.

Go to Cardiac rehabilitation

Courtesy service

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.

My will + Digital erasure

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.

FAQs

Growing Savings insurance

What makes our retirement savings insurance different

Flexible savings

Safety

Protection

Group

Liquidity

Return and taxation offered by our Flexible savings insurance

Performance

Taxation

Performance

Taxation of this life insurance plan

What our Growing savings insurance covers

Death

Permanent Absolute Disability

Serious illnesses

Additional capital for death due to accident

Services included in our Growing savings insurance

Legal advice helpline

Telephone medical advice

Second medical opinion

Cardiac rehabilitation

My will + Digital erasure

A lawyer when you need one most

A doctor at your disposal 24 hours a day

Get a second diagnosis for greater peace of mind

Treatment and rehabilitation for your heart

We help you to manage your last wishes

FAQs

What are my options with respect to the contributions?

When can I withdraw my savings?

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