ISPs

For who

For clients that they want gradually save with the calm of being able to have the money at any time and that you can ensure of tax advantages of the ISPs.

Characteristics

This plan is a product of saving with an associated life insurance. Therefore, in the event of death of the insured person during the period of accumulation, the savings are not lost. The designated payee will receive the spared money, more the generated interests and an additional capital. The return is guaranteed with quarterly renewals.

• You have an exceptional taxation, since the yields are exempt as long as a life annuity is constituted starting from 10 years of the first contribution.
• The contributions can be only and/or periodic, being the annual maximum contribution of € 8,000 and the total of € 240,000.
• Within the offered parameters, can vary at any time the amount, the frequency or the percentage of increase of your contributions, according to your needs.
• The total rescue of the accumulated capital you can request starting from 30 days. Additionally you will be able to request the partial rescue. The deposit of this amount is made on the following day of the request in the account of the holder. This policy does not have penalty for advance redemption.

Advantages

• Security

The Individual Plan of Systematic Savings is a product with an associated life insurance.

• Profitability

The return is guaranteed with quarterly renewals.

• Flexibility

The contributions can be only and/or periodic, being the annual maximum contribution of € 8,000 and the total of € 240,000. You can vary at any time the amount, the frequency or the percentage of increase of your contributions, according to your needs.

• Total rescue or partial

The total rescue of the accumulated capital you can request starting from 30 days. Additionally you will be able to request the partial rescue. The deposit of this amount is made on the following day of the request in the account of the holder. This policy does not have penalty for advance redemption.

Insurance brokered by BMN Mediation Associated Banking-Insurance Operator S.L.U. (ID number B-64549942) and registered office in Madrid, 28004, Paseo of Recoletos 17. Registered in the special administrative record of Insurance Brokers of the Directorate-General for Insurance and Pension Funds with the key OV-0057. Subscribed agency contracts of insurance with Caja Murcia Life and Pensions, Caja Granada Life, Sa Nostra Life and Caser. Financial liability insurance and skills cover according to current legislation.