ISSPs Insurance

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What differentiates our Individual Systematic Savings Plan

ISSPs (Individual Systematic Savings Plan) are savings products designed to measure your financial objectives that allow you to enjoy excellent tax benefits. With the Occident ISSPs you will have the freedom to plan your savings and have access to it, as well as the peace of mind that provides you with a comprehensive life insurance policy.

Personalised investment

We adapt to your needs by offering you the possibility of deciding on the investment strategy, the amount and the frequency of your contributions.

Availability of your money

You will have your capital available, totally or partially, without any fees/commissions or penalties after the first year.

Possibility of transfers

Transfers between the two ISSP products offered by Occident, PIAS Savings and PIAS Investment, free of charge and preserving the tax benefits.

Occident ISSP categories

Obtain a growing return with your investment without assuming any type of risk thanks to an attractive interest rate, which guarantees at least 100% of the premiums planned.

With this PIAS (ISSP) modality, your savings will be invested in a mixed fund with up to 30% of exposure to equities. This fund is managed by specialised professionals who seek to obtain maximum returns by minimising the risk level.

Taxation of PIAS (ISSP)

Taxation

Individual Systematic Savings Plans (ISSPs) have many benefits in the income tax return, not in terms of contributions, as they cannot be deducted or do not reduce the taxable base, but these benefits vary according to the way chosen to collect the capital: the returns generated will be tax free when you recover the capital in the form of a life annuity, as long as at least five years have elapsed since your first contribution.

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.

Services included in our ISSP 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 access your savings, fully or partially, and the returns generated from them once one calendar year has elapsed since your first contribution. Due to the product's high liquidity, you can redeem amounts that you need and keep going with your savings plan.

If your objective is to supplement your retirement, and at least 5 years have elapsed since your first contribution, you can choose to receive the capital via a life annuity, in which case it will be exempt from taxation.

As a customer, you decide at all times the frequency and amount of your regular contributions. You can also make extraordinary contributions through the e-customer and constantly check how your savings in the ISSP insurance policy are evolving.

Yes, the policyholder may request partial or total transfer of the securities of their policy to another individual systematic savings plan.

FAQs

ISSPs Insurance

What differentiates our Individual Systematic Savings Plan

Personalised investment

Availability of your money

Possibility of transfers

Occident ISSP categories

PIAS Savings

PIAS Investment

Taxation of PIAS (ISSP)

Taxation

Taxation

Services included in our ISSP insurance

Legal advice helpline

Telephone medical advice

A lawyer when you need one most

A doctor at your disposal 24 hours a day

FAQs

How do I get access to my savings?

When and how can I make the contributions?

Can transfers be made?

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