Secure Destination Savings Plan / YOUNG Savers' Plan

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Savings insurance

Green light on saving, your way!

Medium to long-term Savings Insurance scheme with CAJAMAR Vida S.A., de Seguros y Reaseguros, with periodic premium payments, which allows you to save gradually with additional variable returns in the form of Profit Sharing.

A planned savings scheme, with the frequency and amount you decide, with a duration of at least 6 years and up until the insured party reaches the age of 70. With the possibility of cancelling the scheme (Reduction) after the first year, and modifying the amount and frequency of periodic contributions every calendar year, withdrawing all your savings or making one-off contributions at any time.

Minimum contribution amounts:

  • Period contributions: minimum €30/month or equivalent.
  • One-off contributions: minimum €150 (not linked) or €1,500 (linked).

At Cajamar Caja Rural we also have a specific product aimed at children and teenagers (0 to 17) with a minimum periodic contribution of €40/month and €100 for one-off payments.

Tax treatment:

There are two possible scenarios:

  • 1.- The additional capital received at maturity (or through early redemption) will be classed as capital gains and included in the section Earnings from Savings.
  • 2.-Capital sum received by the beneficiaries in the event of the policy holder’s death: the amounts received by beneficiaries by means of an inheritance or legacy are subject to Inheritance and Gift Tax, taxed at difference percentages depending on the degree of kinship with the insured party and the beneficiary’s pre-existing assets.

Features:

Totally guaranteed returns, ideal for conservative customers not looking to take on risk; with the possibility of early redemption if needed; a planned scheme that allows you to save in the medium to long term offering flexibility so you can decide how you want to save.

Insurances issued by CAJAMAR VIDA S.A. de Seguros y Reaseguros, through CAJAMAR INTERMEDIADORA Operador de Banca-Seguros Vinculado, S.L.(Tax Identification Number: B04428223), registered in the General Directorate of Insurance and Pension Funds with administrative code no OV0014, with Civil Liability insurance arranged, according to art. 21, paragraph 3, section h) of Law 26/2006, of July 17.

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