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Guide to Retirement

Insured Pension Plans (PPA)

Save with the peace of mind of having your capital and interest rate guaranteed.

Planes de Pensiones
A guaranteed yield you know in advance.
Your capital is 100% guaranteed.
Deduct it on your income tax return. Take advantage of it!

What are they?

Insured pension plans (PPAs) are savings/life-insurance policies that make it easier to accumulate savings to complement your state pension when you come to retire. You can collect the return in the form of income or capital.

How do they differ from pension plans?

The main difference is that PPAs guarantee 100% of the capital plus a guaranteed quarterly or six-monthly return. And, because they are also a life insurance policy, in the event of death, the beneficiaries receive the accumulated balance plus an additional capital of 10% up to a maximum of €12,000 (€600 for insured persons over 65 years of age or who present aggravated risks). Fiscally, pension plans and PPAs are treated the same.

You can improve your future today

BS Plan de Previsión Asegurado, PPA

  • Es para ti si eres un ahorrador con un perfil de inversión conservador o estás cerca de la edad de jubilación, que cobrarías tu PPA pronto y quieres un tipo de interés garantizado a corto plazo (3 meses).
  • Inversión a corto plazo.
  • Renta fija con inversión en diferentes países y sectores.
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Insured Pension Plans: are life-insurance policies of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered with the Mercantile Register of Madrid and DGSyFP Insurance Companies Register under code no. C-0557.

Insurance policies brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID no. A-03424223 and its registered offices at Avda. Óscar Esplá, 37, 03007 Alicante, registered in the Merc. Reg. of Alicante, and in the DGSyFP’s Special Administrative Register of Insurance and Reinsurance Distributors under code no. OV-0004, and carries Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at the website: www.bancosabadell.com/bsmediacion.

Product available only for residents in Spain.
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