Navigation Menu

[F13] Case: Deferred income / Large companies

[F32][Business] Adaptive solutions - Case: Deferred income / Large companies

Company: Large

Sector: Energy

Employees: 6,000

Situation: The company had commitments to its employees regarding annuity pensions. The calculation of these annuities was linked to the workers' salaries, and therefore their increase linked to the CPI.

Problem: Since the CPI is not a fixed percentage over time; this meant it was a variable that could compromise future costs, despite the fact that the company adequately reserved amounts to ensure the required levels for the commitment.

Solution: After studying the situation, Vida Caixa Social Welfare devised a formula whereby the client could contract a CPI guarantee regarding the annuity growth.

An investment product was designed that guaranteed the evolution of the CPI independently of what it actually might be, and without supposing a premium increase for the assured.

"The solutions here described correspond to real cases presented to VidaCaixa, with certain details that have been altered to protect the confidentiality of our clients and their business. They are given merely as a general guide and are not necessarily applicable in similar cases."

[F14] Acceso Portal de Colectivos

Access to

Go to the Group Portal where you can manage all the products you have taken out for or through your company.

Enter

[F16] Contact us - Business

Contact us

Call us

Exclusive telephone number for company customers.

911501741 / 930141051

Write to us

With your suggestions, questions or complaints through a form.

Email