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Advantages of our product

Multi-investment is unit-linked life insurance that offers a range of investment opportunities with different time horizons, liquidity conditions and target returns. You can take it out for as little as €600.

  • It provides access to the best opportunities in the financial markets at any given time.
  • From an amount of €600, you decide how much to contribute and the issue that interests you.
  • You can choose the beneficiaries to whom you wish to bequeath your capital in the event of your death, and change them as often as you wish. In addition, being an insurance policy it will be exempt from inheritance tax. 

Taxation

At maturity, if you redeem your Multi-investment product when the issue allows it or if you receive coupons, your returns will be taxed as investment income on your personal income taxes. The tax rate to be applied to the savings tax base is 19% for the first €6,000, 21% for up to €50,000, 23% for up to €200,000 and 25% from €200,000.01 onwards. Interest is subject to a 19% withholding upon payment. 

Taxation in the event of death:

  • The insurer guarantees payment to the beneficiary/s of the product’s accumulated capital balance as it was on the date the claim was reported, plus an additional capital sum of 5%.
  • The capital sum paid to the beneficiary will be subject to inheritance and gift tax (ISD), with the application of a 100% reduction in the taxable base on the amount received up to €9,195. Some autonomous communities have higher maximum amounts, as shown below: 
  • €25,000 in Catalonia
  • €500,000 in Aragon
  • €23,150 in the Canary Islands 
  • €250,000 in Navarra
  • €12,000 in Balearic Islands 
  • €50,000 in Cantabria
  • €400,000 in the Basque Country 
  • €9,200 in Madrid

This product can only be taken out by residents of Spain 

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FAQ

Have any other questions?

Can I change the death beneficiaries of my multi-investment plan?

Yes, it is possible to change beneficiaries at any time. All you have to do is make a request to that effect at your local Banco Sabadell branch.

What’s unit-linked insurance?

A unit-linked policy is a type of life insurance in which the policyholder/insured assumes the investment risk. Capital and returns are not guaranteed and will depend on the performance of the associated investment portfolio.

What happens when a multi-investment issue reaches maturity?

At maturity, the accumulated balance is credited to the customer’s current account linked to the contract.

Thinking of saving for your retirement with tax advantages?

We have a wide range of pension plans and insured pension plans, and we’ll help you choose the best one for you. Learn more
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As it is unit-linked insurance, the investment’s interest rate, financial and credit risks are fully assumed by the policyholder (the person taking out the insurance), and neither the insurer (BanSabadell Vida) nor Banco Sabadell will assume any risk.

The value of the mathematical formula and the amount to be received upon redemption will always depend on financial market fluctuations. These markets are beyond the insurer’s control, and their historical results are not predictive of future results. The amount also depends on the counterparty’s ability to meet its obligations (credit risk), and a loss scenario with no minimum value may occur. A risk of total or partial loss of the investment therefore exists.

Multi-investment is a mixed life/savings unit-linked insurance policy of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, subject to the terms and conditions stated in the policy, holder of Tax ID No. A08371908, and with registered office at Calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0557. Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Av. Óscar Esplá, 37, 03007 Alicante. Registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, acting on behalf of BanSabadell Vida, S.A. de Seguros and having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution. You can view the insurance companies with which BanSabadell Mediación has entered into an insurance agency contract on the website www.bancosabadell.com/bsmediacion.