Invest in savings. Savings Sabadell | Sabadell Insurance and Pensions

Do you have a dream or a goal that you long to achieve? Do you aspire to be equipped for any setback? Or perhaps, you are looking for a habit that will allow you to build a solid financial future almost imperceptibly. Our Savings Insurance not only guarantees guaranteed profitability, but also gives you the freedom to use your savings when you need them most. Together, we will turn your dreams into reality.

Advantages of our Savings Insurance

Profitability assured and communicated in advance at each semi-annual renewal

Guarantee of a minimum of 0% profitability in each semiannual renewal

From an amount of 30 euros per contribution

Your savings available when you need them without penalty

You will only have to pay taxes when you make a rescue or early resolution by the insurer.

You can choose the beneficiaries to whom you wish to bequeath your capital in the event of your death, and change them as many times as you wish.

Product taxes

In case of rescue or early resolution by the insurer

In these cases, in your Sabadell Savings Insurance, the income obtained will be taxed as personal income tax income. The tax rate to be applied to the taxable savings base is 19% for the first 6,000 euros of the base, 21% up to 50,000 euros of the base, 23% up to 200,000 euros of the base, and 25% from 200,000 euros. .01 onwards. At the time of payment, this interest is subject to a withholding tax of 19%.

In case of death

The insurer guarantees payment to the beneficiary(ies) of the balance accumulated in the product plus an additional capital of 10%*.

The capital paid to the beneficiary will be taxed in the Inheritance and Donation Tax (ISD), with application of a reduction in the tax base of 100% on the amount received, with a limit of 9,195 euros, although there are autonomous communities with higher maximum amounts , as:

25.000€ in Catalonia	23.150€ in the Canary Islands
12.000€ in the Balearic Islands	50.000€ in Cantabria
400.000€ in the Basque Country	9.200€ in Madrid

Risk level

This data is indicative of the insurance risk and is calculated based on historical data which, however, may not constitute a reliable indication of the future insurance risk profile. Furthermore, there are no guarantees that the indicated category will remain unchanged and may vary over time.

Lower potential performance LOWER RISK

Higher potential performance GREATER RISK

Our services

What can we help you?

Redeeming savings or annuity insurance

Savings documentation

Contact

FAQS

Have any other questions?

BanSabadell Life will inform you, in the month prior to maturity, of the new rates to be applied for the next covered period.

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.

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Would you like to save money for your retirement while enjoying tax benefits?

We have a variety of pension plans and insured pension plans, and we will be happy to advise you on selecting the plan that best suits your requirements.

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Our products

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*The additional capital will be a maximum of 7,000 euros (600 euros for insured persons over 65 years of age)

Coverage and services subject to the terms, conditions, limitations and exclusions applicable to your insurance established in the particular and general conditions.

Sabadell Savings Insurance is a contractable product only for residents of Spain. Seguro de Ahorro Sabadell is a life insurance policy from BanSabadell Vida, S.A. of Insurance and Reinsurance, with NIF A08371908 and address at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the RM of Madrid and in the Registry of Insurance Entities of the DGSyFP with code number C-0557.

Insurance mediated by BanSabadell Mediación, Linked Banking-Insurance Operator of the Banco Sabadell Group, S.A., NIF A-03424223, with address at avda. Óscar Esplá, 37, 03007 Alicante, registered in the RM of Alicante and in the Special Administrative Registry of Insurance Mediators of the DGSyFP with code number OV-0004, having taken out civil liability insurance in accordance with the provisions of the regulations of private insurance and reinsurance distribution in force at all times www.bancsabadell.com/bsmediacion.

Sabadell Savings Insurance