SIALP Savings

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What makes our SIALP savings insurance different

SIALP Savings allows you to save in the long term for your retirement or to purchase a good, all without risks, offering you significant tax benefits, flexibility in contributions and total liquidity after one year.

Flexibility

Make regular or supplementary contributions according to the strategy that best suits you at any given time.

Liquidity

You can have your full capital available or transfer it without any fees or penalties as of the first year.

Safety

Build assets that cover your future needs, saving with a guaranteed interest rate.

Life insurance

In the event of death, your beneficiaries will have additional capital thanks to a comprehensive life insurance policy.

Taxation

Benefit from the tax exemption for capital gains on income generated by you.

Performance and taxation of SIALP Savings

Performance

The return of SIALP Savings is linked to an interest rate that is reviewed quarterly, which allows you to add capital to your savings without assuming any risk in the investment. The accumulated value of your policy will not be any less than the amount of premiums paid minus the cost of the risk.

Taxation

SIALP Savings (long-term individual savings plan) has significant tax benefits: If you hold on to your savings for a minimum period of five years, without your annual contributions exceeding the legal maximum amount, you will be exempt from paying tax on the total amount of capital saved, plus the returns generated.

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 long-term 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

SIALP savings is a product with a planned premium that offers the possibility of contributing additional premiums, provided that it does not exceed the annual limit allowed for both concepts.

After one year, the policyholder will be able to access to the money invested without any penalty.

Yes, you can: Transfers between SIALP and CIALP (a product with similar characteristics marketed by banks) are permitted. Furthermore, the initial length of the plan will be maintained so that you can enjoy the tax advantages on receiving the capital after five years have elapsed.

FAQs

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SIALP Savings

What makes our SIALP savings insurance different

Flexibility

Liquidity

Safety

Life insurance

Taxation

Performance and taxation of SIALP Savings

Performance

Taxation

Performance

Taxation

Services included in our long-term 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 premiums can I contribute?

Redemption and availability of savings

I have a long-term individual savings plan (SIALP) with another company, can I transfer my savings to SIALP Savings?

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