Banner Caso riesgo



VidaCaixa has the expertise to offer the best tailor-made solutions that will fit your business perfectly and guarantee its safety. Also, with our products you will have the support of a team of persons who are fully devoted to making your life much easier. We want you to see our commitment first-hand and that’s why we share with you our real success stories where we’ve only changed a few details for confidentiality reasons.

Datos Caso riesgo y plan de pensiones


Learn about VidaCaixa’s success story about its risk cover insurance and pension scheme for a multinational corporation in the food industry.


Foreign multinational corporation




10,000 employees spread across 12 subsidiaries



  • Each of the corporation’s subsidiaries has its own collective bargaining agreement with different risk covers and guarantees.  
  • Some of the subsidiaries have hiring surges given the product seasonality.  
  • The parent company has foreseen savings guarantees for its retirement savings system.  



  • The seasonal nature of its products means that the company has a high employee turnover rate with the resulting complexities of managing new recruitments and people leaving the company, which is a problem for the risk cover policies. 
  • Having agreed to promote a pension scheme, some of the executives were granted sums above the legal ceiling.  



  • We standardised the policy model that provides coverage for all collective bargaining agreements and agreed a management protocol, to be revised once a year, to establish a number of insured parties per subsidiary with variations agreed to make their administration simpler.
  • VidaCaixa designed a tailor-made excess liability policy that reproduced the conditions and coverage of the workplace pension plan, into which they also deposited the amounts that could not be deposited to said scheme.  

[F11] Why VidaCaixa

Why choose VidaCaixa?

Over 100 years experience in retirement

Over a century helping people prepare for their future and retirement, offering them personalised advice.

Leaders in life insurance and pensions

VidaCaixa is the largest insurance entity in Spain and is right at the top the Life Insurance and Pensions rankings.

Committed to our customers

We pay out about 4,000 million euros every year and have become the private entity that most pensions pays out.

Best pensions fund management company

Our 25 globally-renowned awards –including the award for the best pension fund manager– plus our customers’ trust are proof of our successful management.