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Life Insurance
with Savings

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Discover the exceptional Danica life insurance with savings, which offers you a unique double advantage in the financial market. On the one hand, it works as a solid savings product, generating a reliable return to grow your wealth and ensure a prosperous future for you and your loved ones.

Not all are the same, but there are a number of characteristics that are common to many of them:

• We are proud to offer a guaranteed return that will protect your investment and allow you to reach your financial goals with confidence.
• With our exclusive investment plan, we establish a period of time during which your money will be completely protected and you will not be able to access it. This ensures that your investment is safe and that you can obtain the best possible returns.
• Our experts manage your investment with a conservative approach, carefully choosing financial assets that offer stability and growth over time at a single premium.
• If you prefer to make a one-time investment, you can also pay the entire amount in a single premium.

"Would you like to retire at 65 with a higher income? You are going to achieve it by deducting, exempting and the money you are going to invest that will generate long-term returns, but also that it is something where the client can make voluntary contributions, because he will have the benefit of the annual deduction, but also increase the returns that this money will have over time."

What is life insurance with savings?

A life insurance with savings, or life savings insurance, as the name suggests, is the union between an insurance or savings plan and a life insurance policy. These insurance policies allow the policyholder to make periodic contributions, with the advantage of being able to modify or pause them if necessary.

Life insurance with savings provides you with liquidity at all times, since the capital can be recovered partially or totally. In the event of the death of the policyholder while the policy is in force, the capital that has been saved is collected including an increase for the additional profitability generated. This saving will go to the beneficiaries indicated by the policyholder in the contract or, if there is no beneficiary, it will be administered by the legal heirs of the deceased.

How does a savings life insurance policy work?

The insured must perform recurring revenue, which counts as contributed capital. The periodicity of this income depends on the type of contract signed with the insurance company and can be month to month, quarterly, half-yearly or yearly. There are some seguros de ahorro en los que puedes ingresar todo el capital al inicio y olvidarte de aportaciones periódicas.

At the end of this insurance, the following is delivered the capital and the agreed interest. Unlike other savings instruments, such as pension plans, savings insurance guarantees a return, which will depend on the interest rate at the maturity of the contract.