Renta Vitalicia Capital Reservado
Secure a life annuity and complement your income. Make sure your loved ones get all the funds plus an extra 1% (as longs as it doesn’t exceed €600), in the event of your death.
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VidaCaixa can stand by you all your life, you decide until when. With our life annuity products, you can have a monthly income for life, with an attractive return and tax benefits that are far higher than other alternatives. Make the most of your savings and protect yourself against contingencies. Search the life annuity instruments to find the best combination between a life insurance and a pension scheme.
Products
Secure a life annuity and complement your income. Make sure your loved ones get all the funds plus an extra 1% (as longs as it doesn’t exceed €600), in the event of your death.
Choose a higher monthly income with a fixed-income investment that evolves over the years to get a higher return.
With this life annuity, the monthly amount will be higher because the money received by the beneficiaries in the event of death will gradually decrease over the years.
A portfolio with fixed-income investment to get a higher return in the long run.
The funds are linked to the value of the portfolios and this is why it decreases over the years after the holder’s death.
Its investment is mostly in fixed income assets and evolves over the years to optimise your money.
Get the highest return from among all the types of life annuity products.
No funds will be paid in the event of death and the funds saved cannot be claimed.

You’ll have a monthly income for life, without worrying about market trends.

Insure your family or divide the funds deposited

Set up our life annuity scheme for you and whoever you choose. You’ll both have a guaranteed monthly income until you both die.

Increase the monthly income depending on your needs
La renta vitalicia es un seguro de vida y ahorro que te aportará una renta periódica para toda la vida. Se trata de un producto de ahorro que permite disponer de una cantidad fija de dinero hasta el fallecimiento. Una renta vitalicia es un tipo de seguro que te garantizará ingresos constantes a partir de una aportación inicial, y es por tanto la mejor solución para quienes están próximos a su jubilación.
¡Depende de cada entidad! El principal requisito para contratar una renta vitalicia es realizar una aportación inicial, la cantidad puede variar. En nuestro caso, para mantener tu bienestar y calidad de vida, podrás tener una renta vitalicia mediante una prima única mínima de 20.000€. Entre otros requisitos está tener un mínimo de 750 semanas de cotización o tener entre 60 y 65 años de edad.
La exención fiscal está garantizada para mayores de 65 años. Por ello, todo depende de la edad del tomador y el porcentaje puede oscilar entre un 60% para menores de 40 años o hasta un 92% para quienes tienen 70 años o más.
The life annuity ends once the holder dies or when the beneficiaries entitled to receive the life annuity die.
Dependerá del tipo de renta vitalicia que hayas contratado. Puede que el capital reservado no pueda ser rescatado por parte de tus beneficiarios o puede que el dinero decrezca tras el fallecimiento. Debes informarte sobre las condiciones de cada una de las carteras.
You will learn to enjoy the future without worries.