We have more than a decade of experience in sourcing beneficial savings plans for our clients. We analyse the different options on the market and, among them, we help you find the perfect alternative for your specific needs based on your risk profile.
In recent years, savings plans have become a very interesting alternative for obtaining returns on your savings. With this type of product, you generate a complementary savings fund that is perfect for guaranteeing your financial stability in the future.
That's why taking out a savings plan offers peace of mind above all. Especially if you find one whose coverage meets your specific needs.
Saving in the short, medium and long term to plan your future with peace of mind is possible if you have a good savings plan with flexible contributions and guaranteed returns. At PIB Group Iberia, we offer comprehensive coverage for your financial protection.
As an insurance broker, we analyse the offers of different companies in the market and we will tell you which one offers you the most advantageous product for your specific case. Trust our team and reach your retirement with confidence, leaving your worries about the future aside.
It is the perfect product if you need to save in the short, medium and long term and gain financial peace of mind and economic stability.
This savings-oriented plan can offer you high returns if you trust our team to choose the most beneficial alternative.
In a savings plan, contributions are totally flexible. You can adapt them to your risk profile and your needs.
(*) The information contained in this page is for information purposes only and does not constitute a binding offer. The final terms and conditions of any insurance cover are detailed exclusively in the specific policy issued. In the event of discrepancies, the terms and conditions stipulated in the specific policy shall prevail.
There is no legal ceiling for a classic savings insurance: the minimum and maximum amount is fixed by each policy, although there are limits to the amounts that can be deducted at the time of surrender.
If you opt for the PIAS (Plan Individual de Ahorro Sistemático), the tax authorities limit contributions to 8,000 euros per year and 240,000 euros in total. If you opt for the SIALP (Seguro Individual de Ahorro a Largo Plazo), the contribution limit is 5,000 euros per year.
It depends! In traditional savings insurance:
In PIAS, if you maintain the contract for at least 5 years and convert the capital into a life annuity, a significant part of that annuity is exempt (between 60 and 92 %, depending on your age at the time of conversion).
In the SIALP it would be exempt as long as it is redeemed in the form of capital.
In that case, the capital you have accumulated - plus, if applicable, a small additional death benefit underwritten by each policy - passes to the beneficiaries you designated at the time of the contract.
If the beneficiary is different from the policyholder, he/she is subject to Inheritance and Gift Tax with the applicable regional allowances.
We solve all your doubts
Do you have any questions about the savings plan in Zaragoza? Fill in the form and let us know all your doubts. The PIB Group Iberia team will try to answer you as soon as possible.
