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.
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.
It is also intended for customers who do not want to assume any risk in their investment, but who are prepared to have a greater temporary linkage in exchange for a higher interest rate.
This product allows you to benefit from a guaranteed interest rate for a term of three years. After the third 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
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.
Risk profile Ahorro capital Élite
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.
Services included in our Capital 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.
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.