[F12] Individuals - Life annuity

Life annuity is an instrument that transforms savings into a monthly income for life. It has an attractive return and advantageous tax treatment.

[F17] Navegacion - Rentas vitalicias

[F18] Benefits - Life annuity


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.

[F23][Productos] Individuals - Life annuity


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 600 euros in the event of death.

Especially indicated for clients between 60 and 75 years of age, who have capital and whose main priority is to supplement their income with a life annuity, for which is expected, for a given periodo of time, an uninsured annual growth linked to the consumer price index (CPI), not being essential for them to leave their beneficiaries a fixed capital in case 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.

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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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