SAVINGS INSURANCE

We offer a wide range of savings and investment products designed to help you achieve your financial goals.

  • Rosa Sentandreu
    We understand that there is a lack of a savings culture and education regarding insurance products. Therefore, we support our clients at all times, advising them on sound products that will have a positive economic impact on their future.
    Rosa Sentandreu
    Dir. Ahorro ERSM Grupo
  • Rosa Sentandreu
    If you decide to allocate part of your salary to an investment plan for the future, you will see how your money grows over the years, allowing you to face everything from your retirement to any unexpected expense.
    Rosa Sentandreu
    Dir. Ahorro ERSM Grupo
  • Rosa Sentandreu
    Do not think that saving is a sacrifice, but rather an investment in your peace of mind. Having a backup fund will give you a security you cannot imagine.
    Rosa Sentandreu
    Dir. Ahorro ERSM Grupo
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SINGLE PREMIUM

Single Premium Savings Insurance

Savings insurance with guaranteed capital

Savings insurance with life coverage and an investment component, where the insured contributes all the capital at the beginning. It is aimed at conservative profiles, as the return of capital is guaranteed. In the event of death, the beneficiaries receive the accumulated capital and, if the contract indicates, an additional amount.

Benefits:

  1. Known profitability: From the beginning of the contract, the insured knows the profitability they will obtain.
  2. Low risk: Designed for those seeking stability without assuming large fluctuations.
  3. Short terms: Normally, the terms are 1 or 2 years, facilitating the recovery of capital in a reduced period.
  4. Liquidity: Some policies allow early withdrawal with certain conditions.

Tax advantages:

Unlike other savings products, this insurance does not have specific tax exemptions.

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PIAS

Individual Systematic Savings Plan

Savings plan with periodic contributions

Savings life insurance that allows periodic contributions to build up savings, allowing, with the accumulated balance, to make a life annuity.

Benefits:

  1. Profitability exempt from taxation if it is converted into a life annuity after 5 years of permanence.
  2. Flexibility in contributions, adapting to your needs.
  3. Long-term security with a stable source of income in retirement.
  4. Possibility of making contributions periodically or uniquely.

Tax advantages:

  1. Tax exemption on the profitability generated if the product is maintained for at least 5 years and is redeemed in the form of a life annuity.
  2. In the case of contracting a life annuity, and depending on the age at the time of contracting, a percentage will be taxed that will vary between 8% and 40%.
  3. Contribution limits are: €8,000 per year and €240,000 in total.
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SIALP

Individual Long-Term Savings Insurance

Regular savings plan for a specific objective

A savings insurance with a specific expiration date and a minimum term of 5 years that guarantees profitability and capital.

Benefits:

    1. Security: guarantee of capital and interest at maturity.
    2. Advantageous taxation for those who comply with the minimum term.
    3. Known and assured profitability from the moment of contracting.
    4. Designed for people who seek to save without assuming great risks.

Tax advantages:

  1. Tax exemption of the interest generated if the redemption is made after 5 years.
  2. Contribution limit: €5,000 per year.
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UNIT LINKED

Life-Investment Insurance

Investment in baskets of funds with life insurance

Unit Linked is a savings life insurance that invests in investment funds, normally a basket of funds, stocks or bonds. These are normally long-term investments.

Benefits:

    1. High flexibility to adapt the investment to market conditions.
    2. Possibility of obtaining higher returns depending on the evolution of the markets.
    3. Allows changing the composition of the investment without tax penalty.
    4. It adapts to different investor profiles, from conservative to aggressive.

Tax advantages:

  1. It can be redeemed as a life annuity, which offers additional tax benefits.
  2. Deferred taxation until the moment of redemption.
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Life Annuities

Monthly lifetime income

A single premium savings life insurance that generates a periodic income stream until the death of the insured. Depending on how the income is received, they are classified as deferred or immediate. And depending on whether or not they allow the redemption of the premium, they can be with reserved capital, ceded capital or mixed.

Benefits:

    1. Supplement to the pension with recurring income.
    2. Financial security throughout life.
    3. Possibility of adapting the income to the needs of the insured.

Tax advantages:

  1. Reduced taxation depending on the age at the time of the contract:
    • Under 40 years: 40%
    • Between 40 and 49 years: 35%
    • Between 50 and 59 years: 28%
    • Between 60 and 65 years: 24%
    • Between 66 and 69 years: 20%
    • Over 70 years: 8%
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PPA

Insured Provision Plan

Savings insurance for a better retirement

A long-term savings product designed to supplement the retirement pension, with guaranteed capital and interest.

Benefits:

    1. Security: guarantee of interest and capital.
    2. Periodic contributions that facilitate saving in a constant manner.
    3. Ideal for those who want a stable and predictable alternative for their retirement.

Tax advantages:

  1. Reduction of the taxable base of the IRPF up to €1,500 or 30% of the net income from work.
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PPI

Individual Pension Plan

Retirement plans with different risk profiles

A long-term savings plan to supplement retirement. It is the main vehicle for private retirement savings and represents the third pillar of the pension system, together with the public pension and employment plans (contributed by companies to their workers).

Benefits:

    1. Possibility of making periodic or one-off contributions.
    2. Flexibility in the choice of investment type, there are many modalities, from very conservative to very aggressive.
    3. Possibility of transferring from one pension plan to another very easily.
    4. Diversity of collection methods at the time of redemption.
    5. Designed for those who seek to plan their retirement in the long term

Tax advantages:

  1. Reduction in the taxable base of the IRPF.
  2. Possibility of redemption in cases of long-term unemployment, serious illness or seniority of contributions greater than 10 years.
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PPES

Simplified Employment Pension Plan

Retirement plans for the self-employed

The PPES is a pension plan promoted by associations of self-employed workers, unions or professional associations.

Benefits:

    1. Designed specifically for the self-employed and professional groups.
    2. Greater contribution capacity than an individual pension plan.
    3. Collective savings with more advantageous conditions.

Tax advantages:

  1. Tax deduction in the IRPF of up to €5,750 per year:
    • €1,500 for a PPI or a PPES.
    • €4,250 only for a PPES.
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