El seguro ofrece rentabilidades al ahorro conservador de hasta el 4%

BBVA offers an annuity up to 4.1% annually for a 60-year-old person who invests 100,000 euros in a guaranteed life savings plan. The client would receive over 310 euros gross monthly forever. In the event of the insured's death, their beneficiaries would receive a capital equal to the paid premium increased by 1% (101,000 euros).

BBVA states that many of their life-savings products fix the return at the time of purchase, with interest rate increases applied automatically to their proposals. Currently, BBVA's Guaranteed Savings Plan offers 2.45% annually for 3 years, and their Predictive Insurance (PPA) products offer 3.79% annually for 15 years. In the PIAS (Systematic Individual Savings) plan, BBVA offers 2% for 1 year for new contracts.

Santander's Seguro RAV 101 Patrimonios is a guaranteed life annuity that pays a constant, constant, and guaranteed monthly income of 101% of the paid premium in case of death. For a 70-year-old client, the net interest applied is 3.36%. Santander also distributes the Predictive Savings (PPA) Futuro plan, which guarantees a net interest of 2.25% for a saver aged 45.

CaixaBank offers two life annuity products through VidaCaixa. With a one-time premium of 100,000 euros, the Flexible Reserved Capital guarantees 266 euros gross monthly to a 60-year-old client and 237 euros for a 79-year-old. Those who take out Flexible Plus Inversion, with a 100,000 euro deposit, would receive a monthly income of 271 euros if they are 60 when signing, and 310 euros if they are 79.

CaixaBank does not disclose the interest rate applied to these products. CaixaBank provides unit linked insurance that does not guarantee returns in its network. Mapfre offers a Dividend America unit linked insurance for those seeking exposure to US and Canadian stock exchanges, with a focus on obtaining high dividend yields. The insurer estimates (not guarantees) a return of 3.33% in 2026.

The income is paid annually. Mutua Madrileña has recently launched Plan Ahorro Plus Fidelidad IX with a guaranteed gross return of 2.90% for the first year (2.4% net). Afterwards, it adjusts the guaranteed rate quarterly. It can be purchased from 5,000 euros with additional contributions starting at 750 euros. It includes a death benefit for the insured, where beneficiaries would receive the existing savings at that time plus an additional 10% of the accumulated savings at the beginning of each annual period (minimum 150 euros and maximum 600 euros).

Allianz has the AZS Plazo Flexible, which offers increasing annual returns depending on the term: from 2.2% for 2 years to 2.5% for 5 years. For 3 years, it is 2.3%, and for 4 years, it is 2.4%. AXA proposes Rentabiliza, which fixes the guaranteed return at 2.75% for new savings between 1,000 and 50,000 euros. The promotion for this product ends by default on September 30.

Occident (Grupo Catalana Occidente) recently announced a new issue of Ahorro Capital, which offers a gross guaranteed return of 3.2% for the first year, after which a quarterly revaluation is applied.