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.
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
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 long-term 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
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.