A flexible savings vehicle that allows you to accumulate capital through regular or one-off contributions. The insurer guarantees a minimum return and, in some products, offers profit-sharing above that floor. Suitable for medium-term goals (education, property purchase, early retirement planning).

One of the most tax-efficient products available to Spanish residents. Contributions grow tax-deferred, and if held until conversion into a life annuity, the accumulated capital is only taxed on a small percentage of each annuity payment. Maximum annual contribution: €8,000, with a lifetime cap of €240,000. Particularly useful for expats who plan to remain in Spain long-term.

Designed for capital guaranteed over the medium to long term. The fiscal advantage kicks in after five years: returns become exempt from capital gains tax up to the annual contribution limit of €5,000. A straightforward product for conservative savers who want security above all.

The insurance equivalent of a pension plan (plan de pensiones), with one key difference: the PPA guarantees a minimum return. Contributions are deductible from your IRPF tax base — reducing your annual tax bill — and funds accumulate until retirement. Ideal for employed expats with taxable income in Spain looking to reduce their fiscal burden while building retirement capital.

For clients who accept market risk in exchange for higher potential returns, we provide access to a broad catalogue of investment funds across different asset classes and risk profiles. We assess your investor profile and match products accordingly, always within the regulated framework applicable to Spanish residents.