[F12] [Individuals - Savings and investment insurance] - Guaranteed returns

Save for your future comfortably and effortlessly

The best way to save for your future without rushing and without effort. With guaranteed yield savings, your investment returns are 100% assured, and you receive them in their entirety in instalments, perfect for low-risk profiles. The PIAS (short for Systematic Individual Savings Plan) and the SIALP (for Long-Term Individual Savings Insurance) are two of our instruments that guarantee profitability.

[F17] Navegacion - Seguros de ahorro - Rentabilidad garantizada

[F18] Benefits - Savings insurance - Guaranteed returns



All your money is available whenever you want it without penalty.

Capital upon death

Guaranteed-return savings instruments also include insurance for beneficiaries in the event of death.


You can start with small contributions that you can increase or decrease later as you see fit.


Provides interesting tax advantages.

[F23][Productos] Individuals - Savings insurance - Guaranteed returns


Save effortlessly starting from 50 euros per month with this savings insurance account. Your money will be available whenever you want it without penalty. The return on your capital is always guaranteed.

With a contribution of only 50 euros a month you can build capital safely for your future. A savings insurance policy that allows you to get your money back whenever you want it. After five years, your income is tax-exempt.

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Frequently asked questions

It is a document that contains the conditions of the insurance. It comprises, inseparably, the general conditions, the specific conditions and, where applicable, the special conditions and/or the subscription certificates, as well as the supplements that modify or complement the previous ones.

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This is a contract that allows you to insure capital to cover unforeseen situations in the event of death (or disability, if this coverage is included).

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A pension plan is a product that allows you to save comfortably so you can have capital or income when you retire or in the event of disability and, when you die, so your beneficiaries can have it. Pension plans are also currently a product that allow you to maximise savings on your income tax returns.

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Life insurance is an immediate, easy and affordable way to guarantee future financial security for people close to us who are financially dependent upon our income.

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To facilitate the assignment of beneficiaries in the event of death, at the time of signing the contract we will provide you with a form where you can specify them. You can change these names as many times as you wish.

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[F11] Why VidaCaixa


More than 100 years of experience in retirement

We have been helping people prepare for their retirement and offering personalised advice for over 100 years.

We are leaders

VidaCaixa is the largest insurance group in the country and first in the life insurance and pensions rankings.

Committed to our customers

We are the private entity that makes the most payments: about €4 billion each year.

We are the best pension fund manager

The quality of our management can be seen from the more than 25 internationally prestigious awards, including best pension fund manager, and the trust of so many customers.

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