Life annuity
Benefits
Peace of mind:
You will have a guaranteed monthly income for the whole of your life, which is not linked to the performance of the markets.
For your family:
It is possible to secure all or part of the contributed capital for your family based on the agreed income.
Two policyholders:
You can take out this policy for two people. The monthly income is guaranteed for as long as one of you lives.
As you please:
You have the possibility to increase your monthly income.
Products
In addition to supplementing your income, your beneficiaries will receive 100% of the capital that has been invested, plus an extra 1% up to a maximum of 500 euros in the event of death.
Achieves a higher return for your income than in the previous two categories with a portfolio that invests in fixed and variable income and that develops over the years to obtain higher returns. Beneficiaries will not have fixed capital in this model in the event of death.
The amount of the monthly income is higher in this model because the capital sum for death decreases over the years.
Higher monthly income because the capital sum for death also decreases over the years and because it is linked to the value of portfolios. It invests mainly in fixed-income securities and develops over the years to obtain higher returns.
You obtain the highest monthly income of all categories but you renounce the capital sum for death and the refund of savings.
Indicada especialmente para clientes de entre 60 y 75 años, con experiencia previa en inversiones de renta variable y que, disponiendo de un capital acumulado, tienen como prioridad complementar sus ingresos con una renta mensual y vitalicia e intentar preservar su poder adquisitivo respecto a la inflación, aunque tengan que reducir el capital para sus beneficiarios.
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.
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).
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.
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.
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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Why 
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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