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Banco Sabadell Annuities

A secured and regular income

 Apply for your lifelong savings schemeApply for your lifelong savings scheme For people over 55
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Your extra monthly income

A fixed remuneration forever, with no surprises
With your lifelong savings scheme you’ll receive the same amount every month for the rest of your life and you can enjoy it immediately from the very first moment. You just need to make an initial one-off contribution of at least €12,0001.
 Make an appointment and subscribe to your lifelong savings scheme
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Find your ideal lifelong savings scheme

Guaranteed rentals designed to suit your needs
A savings account with no strings attached and with the benefits you deserve. We offer different options, depending on the goals you want to achieve and the capital you want to leave to your beneficiaries. You can then choose the one that best suits your future plans.
 Get your lifelong savings scheme
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Excellent taxation

With tax benefits and the option of redeeming the capital
One of the products with the best taxation, because up to 92% of the income can be exempt, depending on your age when you enter into the contract2. And, if you need to, you can redeem the capital under certain conditions3.
 Apply for your lifelong savings scheme

The keys to your lifelong savings scheme

A guaranteed return
Guaranteed returns that are known in advance, safe from the volatility of the equity markets.

Lifetime income
Starting at €12,0001, you can enjoy an income for life and capital to pass on to your beneficiaries.

Tax benefits
With tax reductions in the collection of the annuities, depending on your age when you subscribe to the lifelong savings scheme2.

A wide range of annuities
Choose your ideal lifelong savings scheme, depending on the monthly amount you want to receive and the capital to be maintained for your beneficiaries.

A guaranteed return
Guaranteed returns that are known in advance, safe from the volatility of the equity markets.

Lifetime income
Starting at €12,0001, you can enjoy an income for life and capital to pass on to your beneficiaries.

Tax benefits
With tax reductions in the collection of the annuities, depending on your age when you subscribe to the lifelong savings scheme2.

A wide range of annuities
Choose your ideal lifelong savings scheme, depending on the monthly amount you want to receive and the capital to be maintained for your beneficiaries.
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Choose the lifelong savings scheme insurance best suited to your needs
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Designed to help the beneficiaries, who’ll receive:
The capital contributed.
 And additional capital, depending on their age: Under 65: 10% of the premium contributed (up to €12,000). Older than 65 or with aggravated risks: €600.
To increase your monthly income:
You’ll consume part of the capital contributed each month, in the form of an annuity.
 In the event of your death, your beneficiaries will be assured the payment of the investment in accordance with the percentage subscribed to (70% - 80% - 90%).
Another option to increase your monthly income:
It seeks to maintain the capital for the beneficiaries. They receive the capital contributed minus the gross income received.
If you want to receive the highest possible income:
You’ll get a higher monthly income. Decide whether or not you want a beneficiary to continue to receive this lifelong savings scheme or part of it using annuities between individuals. Choose the regularity of the payment and whether you prefer the income to grow annually or remain constant.
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Non-sustainable product, not suitable for customers who express preferences in sustainability. This insurance product does not meet the requirements to be classified as a product that allows sustainability preferences to be covered according to the applicable regulations (Regulation (EU) 2019/2088, Delegated Regulation (EU) 2020/852 and Delegated Regulation (EU) 2017/2359 as amended by Delegated Regulation (EU) 2021/1257).
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Your lifelong savings scheme, ready in just 3 steps

make an appointment at one of our thousand-plus branches in Spain and we’ll explain everything you need to know about the lifelong savings scheme that suits you best.

Choose an income in keeping with your age, your goals and the capital you want to leave to your beneficiaries. Our experts can help you.

Once you’ve chosen your lifelong savings scheme, sign your digital contract and start saving regularly so as to enjoy the retirement you’re looking for.
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Discover the guide to annuities Discover the guide to annuities
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Discover other ways of saving for your retirement with Banco Sabadell
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Sabadell Future Plans

The plans that suit your age
Investment management in keeping with your risk profile.
Change from variable to fixed income when you retire.
Tax benefits, pay less in your tax return.
Get your plan

Individual Pension Plans (IPP)

To plan your savings with a view to your retirement
For customers seeking long-term returns.
Decide when and how much to contribute to the plan that suits you best.
Tax benefits, pay less in your tax return.
Subscribe to your plan

Secured Pension Plans

A guaranteed return you’re aware of in advance
If you have a conservative profile and you’re close to retirement.
Capital for your beneficiaries in the event of your death.
Tax benefits, pay less in your tax return.
Open your plan

Individual Systematic Savings Plans (PIAS)

Guarantee your retirement
Supplement your contributions to pension/benefit plans.
Total or partial availability, without any penalties. Whenever you wish.
Pay in up to a maximum of €8,000 a year. You decide how.
Open your plan
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Manage your domestic finances with the Personal Finance service

The clearest and easiest way of organising your domestic finances. Access your BS Online and check all the information about how much money you have and what you’ve spent it on.
 Go to Personal FinanceGo to Personal Finance
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The advantages of digital banking with the best of an expert bank
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We answer your most frequently asked questions

What is lifelong savings insurance?
 
It is a life-savings insurance policy for which you receive a fixed monthly income for the rest of your life. In other words, with Lifelong Savings, your saved money will provide you with extra monthly income to, for example, supplement your pension. In addition, depending on the type of policy you take out and in the event of your death, the capital can be maintained for your children or beneficiaries.

How do lifelong savings work?
 
All you need to do is make a one-off contribution of at least €12,000. From this point on, you will receive a fixed income in your account for the rest of your life, which means that every month we will pay you the same amount immediately, from the moment you make the contribution.

What should you bear in mind most of all?

With the exception of the Lifelong Pension, you can withdraw the capital from your Lifelong Savings plan if you need to, although doing so may mean that you get back less than the premium you paid in3. These losses depend on the type of Lifelong Savings you have taken out, the date on which the early redemption is made and the price of the asset referenced to the investment.

Having Lifelong Savings means that up to 92% of your income may not be subject to taxation, depending on your age at the time you take it out2. If you are between 60 and 65 years old, the percentage of income received that is not subject to taxation is 76%, between 66 and 69 years old it is 80% and from 70 years old onwards it is 92%.

Which is the best lifelong savings plan for me?

You should choose the Lifelong Savings plan according to your needs:  

  • If you want the beneficiaries you have designated to receive the capital contributed plus additional capital in the event of your death, the product for you is the 100% Lifelong Savings. The additional capital is equal to 10% of the amount of the premium paid with a limit of €12,000 for insured persons under 65 years of age and €600 for insured persons over 65 years of age or with aggravated risks.
  • If you take out the 70% - 80% - 90% Lifelong Savings plans, you will increase your monthly income in exchange for the consumption of part of the capital contributed, so that, in the event of your death, the beneficiaries will receive less capital.
  • Another option for receiving a higher monthly income is the Decreasing Capital Lifelong Savings, which aims to maintain the capital for the beneficiaries who, in the event of your death, receive the capital contributed minus the gross income received.
  • If you do not want to hold the capital for any beneficiary and thus obtain a higher monthly income, then the Lifelong Pension is your option.
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Do you have any questions? We're here to help you

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Legal conditions
1 Minimum amount of €12,000 for Decreasing Capital lifelong savings scheme, €25,000 for Pension lifelong savings scheme and €12,000 for lifelong savings scheme and lifelong savings scheme 70-80-90. 
 
2 In accordance with the tax regulations in force in May 2021. In Navarre, the taxation percentages are applied in accordance with the age of the annuitant at the time each lifelong savings scheme is received.  
 
3 This product only allows full early withdrawals. The customer assumes the investment risk in the early withdrawal, as the amount resulting from the said withdrawal will be determined by the market value of the assigned investments and may not exceed the following limits, depending on the format subscribed to:  
 
In the 100% Lifelong Savings scheme, the mathematical provision (a fund set up by the insurance company to cover the payment of the benefits and costs arising from the policy).  
In the Lifelong Savings 70-80-90 scheme: the guaranteed death capital (70%, 80% or 90% of the premium paid).  
In the Decreasing Capital lifelong savings scheme: the guaranteed death capital (the premium paid less the gross income received by the policyholder), which may reach zero depending on the years that have gone by since the policy has been taken out (when the customer has received at least an amount equivalent to the premium paid but continues to receive income as a life lifelong savings scheme). 
 
In accordance with the current legislation, early withdrawal is taxed as a return on securities income, adding the part of the income received that has not been subject to taxation. There is a recommended period of permanence that enables you to minimise your market risk in the event of redemption, depending on the age of the policyholder and the format chosen. These periods can be found in the Key Information Document at www.sabadellvida.com.  
 
lifelong savings scheme, Pension lifelong savings scheme, Decreasing Capital lifelong savings scheme and lifelong savings scheme 70-80-90 are life-savings insurances subject to the terms and conditions entered into in the policy of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the M.R. of Madrid and the DGSyFP Insurance Companies Register under code no. C-0557 and brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., Tax ID no. A03424223, domiciled at Avda. Óscar Esplá, 37, 03007 Alicante. Registered in the Mercantile Register of Madrid and in the Special Administrative Register of Insurance and Reinsurance Providers of the DGSyFP under code No. 0V-0004, acting for BanSabadell Vida, S.A. de Seguros y Reaseguros and having Civil Liability Insurance in accordance with the provisions set forth in the regulations on the provision of private insurance and reinsurance in force at all times. 
 
You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion.  
 
The Key Information Document (KID) is available at www.sabadellvida.com or at any of our branches to enable you to view, in a clear, simple and concise way, the characteristics of these products, so that you can compare them with other products and study our offer.  
 
Secured Pension Plans are life-savings insurance policies of BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered office at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the M.R of Madrid and DGSyFP Insurance Companies Register under code no. C-0557. Insurance policies brokered by BanSabadell Mediació, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., with Tax ID no. A-03424223 and its registered office in Avda. Óscar Esplá, 37, 03007 Alicante, registered with the Merc. Reg. of Alicante, and in the Administrative Register of the Directorate-General for Insurance and Pension Funds of the DGSyFP under code no. OV-0004, acting for BanSabadell Vida, S.A. de Seguros y Reaseguros, and carries Civil Liability Insurance pursuant to the provisions of the regulation on the distribution of private insurance and reinsurance in effect at all times. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency contract at www.bancosabadell.com/bsmediacion. Individual pension plans: Managing Entity: BanSabadell Pensiones, E.G.F.P., S.A. Tax ID no. A58581331 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid, registered in the Mercantile Register of Madrid and the DGSyFP Insurance Company Register under code no. G-0085. Depositary entity: BNP Paribas, S.A., branch in Spain, with Tax ID no. W0011117-I and its registered offices at Calle Emilio Vargas, 4, Madrid, registered in the Special Register of pension fund depositaries of the DGSyFP under code D-0197. Depository entity and marketer of pension plans: Banco de Sabadell S.A., with Tax ID no. A08000143 and its registered offices at Avda. Óscar Esplá, 37, 03007 Alicante, registered in the Mercantile Register of Alicante and in the DGSyFP under code D-0016. The document containing the key information for members is available to the public at Banco Sabadell branches, as well as on the bank’s website (www.bancosabadell.com/pensiones). 
 
Voluntary Welfare Institution: BanSabadell Previsión, EPSV individual, Tax ID number V-95120671, with its registered offices at Avenida de la Libertad, 21, 20004 Donostia-San Sebastián. Registered in the Mercantile Register of Gipuzkoa and in the Euskadi EPSV Register under no. 227-G. Promoting partner: BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the DGSyFP under code no. C-0557. View the investment policy, articles of association, the resolutions passed by the general assembly, the regulations of the associate ombudsman of Bansabadell Previsión, EPSV Individual and the policy on the integration of ESG risks into investments Voluntary Welfare Institution: BanSabadell Previsión Empresas, EPSV de Empleo, with Tax ID number V-75161638 and its registered offices at Avenida de la Libertad, 21, 20004 Donostia-San Sebastián. Registered in the Mercantile Register of Gipuzkoa and in the Euskadi EPSV Register under no. 283-G. Promoting partner: BanSabadell Vida, S.A. de Seguros y Reaseguros, with Tax ID no. A08371908 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the DGSyFP under code no. C-0557. View the investment policy, articles of association, the resolutions passed by the general assembly, the regulations of the associate ombudsman of Bansabadell Previsión Empresas, E.P.S.V. de empleo and the policy on the integration of ESG risks into investments Institution in charge of the management of the EPSV’s assets: Sabadell Asset Management, S.A., S.G.I.I.C., with tax ID no. A08347684 and its registered offices at Calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Mercantile Register of Madrid and in the Register of Management Companies of Collective Investment Institutions of the National Securities Market Commission under number 58. 
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