SMEs and the self-employed
Pension plans and life insurance
Occupational pension plans are a good option for supplementing the state retirement pension. Contrary to what many people may think, they are not an option reserved for large companies.
They are an opportunity to provide savings and security for old age in the face of threats to the state pension system. In addition to attractive tax advantages, it is important to highlight that company pension plans have a personalised service, according to needs, and supervision mechanisms (a control committee) that will oversee investments and the proper management.
Life insurance
Exclusive protection for you and your partners with a constant monthly fee for the first 3 years. You will be able to have an income in case of temporary disability, request 50% of the capital in case of cancer, heart attack and serious illnesses and have exclusive double capital coverage in the event of death or absolute and permanent disability due to accident.
A life insurance policy for companies. A solution that aims to protect against risks in the professional. Totally flexible when it comes to choosing the cover, it allows you to have an income in the event of temporary disability.
A life insurance policy for businesses aimed at the self-employed and SMEs. A solution that aims to protect against risks in the professional worlds. It allows you to have an income in the event of temporary disability.
Designed for your company and its employees, VidaCaixa collective agreements is a tool for insuring the obligations arising from your industry’s collective agreement, when this agreement includes the payment of compensation in the event of the death or disability of any of your employees.
Aimed at SMEs, VidaCaixa Employees is a life insurance policy for your employees that allows you to manage the risks of death or disability in its different degrees due to accident or illness. It has significant tax and employee loyalty advantages.
Garantiza la amortización y cancelación de préstamos o cuentas de crédito con finalidad empresarial, en caso de fallecimiento o invalidez absoluta y permanente de asegurado y las cuotas del préstamo en el caso de incapacidad temporal, cancelándose automáticamente el seguro al finalizar el pago del préstamo asociado.
Pension plans
Pension plans for SMEs improve the working conditions of employees and offer an employment supplement with a high social value, which provides tax advantages for both parties. It does not involve any cost and there is no obligation for all members to join.
The sponsorship associated plans are a long-term savings tool to complement the state retirement pension.
This is a fully flexible, exclusive long-term savings product that benefits from excellent tax treatment for residents of the Basque Country. Supervised by a control system of company-worker parity and completely transparent information, the retirement plans for residents of the Basque Country offer considerable advantages and cover.
Study: Self-employed before retirement
The half of an autonomous Board is half that of a self-employed worker.
Other frequently asked questions
It is possible to deduct the contributions made for workers from corporation tax. An additional deduction can also be made for the employee's contribution from the tax liability (with a combined limit for all deductions of 35% or 50% of the net tax liability). Contributions to workers do not incur social security contributions.
With the contributions to your employees it is possible to achieve a 47% tax saving in your income tax return. The contributions made for workers are a deductible expense in your Income Tax Return in the direct estimation model and do not incur social security contributions.
In addition to a highly valued non-salary remuneration, the contributions made by the employer are allocated as income from work and subsequently reduced by the same amount in the general tax liability. You can benefit from a 47% tax saving in your tax return.
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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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