Retirement
Life insurance with a strong savings component that covers retirement, disability and death.
What does it consist of?
Retirement plans are life insurance policies with a strong savings component, which usually cover retirement, disability and death, and are typically taken out with periodic 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 Dirección General de Seguros (Directorate-General for Insurance), while the variable return depends on the results the insurer obtains investing the funds from the premiums.
Standard cover
- Retirement contingency
- Disability
- Death
- Guaranteed minimum fixed return
- Share of profits
- Periodic 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 alone.
We are the only professionals legally qualified and authorised to advise with strict independence and impartiality from insurance companies.
- We compare the marketAdvice based on an objective analysis of contracts 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 has no cost for the client.
- We handle everythingFrom taking out the policy through to the claim, if one arises.
- We look after your interestsWith the insurer, just as a solicitor would.
Other insurance for individuals
Car
From third-party insurance to fully comprehensive, with roadside assistance, a replacement vehicle and legal expenses cover.
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Motorbike
In Spain, motorbike and moped insurance is compulsory in order to drive legally.
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Electric scooter
Liability cover for riding, with the option to also cover accidents and the scooter itself.
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Home
Water damage, glass breakage, fire, weather events, short circuits, breakdowns and theft.
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Holiday let
A property used for tourist lets carries risks that a standard home policy doesn't cover.
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Rent guarantee
You keep receiving the rent even if the tenant stops paying, with legal proceedings and damage also covered.
View insuranceWhat people tend to believe, and what actually happens
Five ideas we hear often that prove costly the day there's a claim.
"Going it alone works out cheaper."
The broker costs you nothing: the insurer pays them. And a broker compares several companies at once that you'd otherwise have to approach one by one.
"All policies are the same."
Two policies at the same price can have very different limits, excess 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 insured party and their interests. It's the insurer's agent who represents the company — a different role entirely.
"If I have a claim, I'll sort it out myself."
How the report is opened and documented shapes everything that follows. We handle it, and the claim as well.
"Switching insurer is a hassle."
We manage it for you, including cancelling the previous policy in good time so it doesn't auto-renew.
"The compulsory insurance is enough for me."
The legal minimum covers what you cause to third parties, not what happens to you. That's the difference between a scare and a real problem.
Shall we prepare a retirement plan quote for you?
Tell us about your case and we'll send you a comparison of 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.
- Quick responseDuring office hours, usually the same day.
What questions do you have?
We'll get back to you with a retirement plan quote and a tailored comparison.
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Prefer to talk? Call us on 922 235 203 or message us on WhatsApp at 667 420 381.