Retirement
Employment plans, pension commitments and retirement insurance for staff.
What does it consist of?
Retirement plans are life insurance policies with a strong savings element, which usually cover the contingencies of retirement, disability and death, and are typically taken out with regular premiums.
They guarantee a fixed minimum return supplemented by a share of profits. The guaranteed fixed return may not exceed the technical interest rate set annually by the Directorate-General for Insurance (DGSFP); the variable return depends on the results the insurer obtains by investing the funds from the premiums.
In a business context, these products give effect to the pension commitments a company takes on with its employees.
Standard cover
- Retirement contingency
- Disability
- Death
- Guaranteed fixed minimum return
- Share of profits
- Regular premiums and extra contributions
What an Insurance Broker really is
The broker is the expert who mediates between the insurance company and the client, representing the insured party and their interests, rather than the insurer exclusively.
We are the only professionals legally qualified to advise with strict independence and impartiality from insurance companies.
- We compare the marketAdvice based on an objective analysis of policies from a sufficient number of insurance companies.
- It costs you nothingThe broker is paid by the insurer in the form of commission. In principle, the service costs the client nothing.
- We take care of everythingFrom taking out the policy to the claim, should one arise.
- We defend your interestsWith the insurer, in the same way a lawyer would.
Other business insurance
Industrial multi-risk
Facilities, machinery and stock, plus loss of profits if a claim affects your business activity.
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Liability
General, employer's, product and post-work liability, tailored to your sector and turnover.
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Directors and officers (D&O)
Protects the personal assets of whoever manages or directs the company against claims arising from their management decisions.
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Cybersecurity
Covers the costs and the business impact of incidents arising from a cyberattack.
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Environmental Liability
Covers the duty to prevent, avoid and repair environmental damage imposed by Ley 26/2007 (Spain's Environmental Liability Act).
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Credit and Surety
Credit insurance guarantees payment if a debtor becomes insolvent; surety guarantees that you meet your own obligations.
View policyWhat people tend to believe, and what actually happens
Five ideas we hear often, and that turn out to be costly the day there's a claim.
"Going it alone is cheaper."
The broker costs you nothing: they're paid by the insurer. And they compare several companies at once, which you would otherwise have to approach one by one.
"All policies are the same."
Two policies at the same price can have very different limits, excesses and exclusions. What matters is what the terms say on the day of the claim.
"The broker works for the insurer."
The broker represents the policyholder and their interests. The one who represents the company is its agent, which is a different role altogether.
"If I have a claim, I'll sort it out myself."
How the report is opened and documented shapes the whole process that follows. We handle that for you, and the claim too.
"Switching insurer is a hassle."
We manage it for you, including cancelling the previous policy in time so it doesn't renew on its own.
"The compulsory minimum is enough for me."
The legal minimum covers what you cause to others, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare a retirement insurance quote for you?
Tell us about your case and we'll send you a comparison with the best options on the market, the best support for making the right decision.
- No obligationWe give you the price and the cover; you decide.
- No costAs brokers, we're paid by the insurer, not by you.
- Fast responseDuring office hours, usually the same day.
What questions do you have?
We'll get back to you with a retirement insurance quote and a tailored comparison.
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Would you rather talk? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.