The deferred capital insurance policy offered by VidaCaixa Social Welfare is specifically designed for those companies that offer their employees a deferred compensation package associated to their retirement or maturity at a certain date.

If you would like for your employees to receive their retirement capital and complement this capital with other advantageous benefits (for example, payment in case of death or disability during the deferral period), or reward employee loyalty for having stayed in the company for a certain period of time, this is without doubt the product that best meets your requirements.

Savings plan benefits

• The possibility of contracting the product at a technical interest rate linked to investments, i.e. by matching or by contracting the product with a minimum technical interest rate, with an annual share of the profits derived from the investments' management.
• The premium may be a fixed amount per employee insured or any other formula that is agreed upon.

Insurance cover

This product's main cover is that of retirement savings or for a specific date. In addition to retirement cover, cover can be included for the event of death and / or permanent disability in any of its degrees.

Adaptive solutions

• Case: Unit linked for Groups and Deferred capital / Medium and large companies
• Case: Deferred capital / Loyalty bonuses