Savings Insurance

Save at your own pace, with guaranteed returns and no strings attached

Flexible Guaranteed Savings is a regular savings plan from €80/month, with no payroll or direct-debit tie-in, with a guaranteed return and total freedom to increase, reduce, pause or restart your contributions whenever you need to.

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From €80/month · No bank tie-in · No extra cost for advice

How I work with you

✓ Guaranteed return from the first year
✓ Increase, reduce, pause or restart contributions
✓ Extra capital in case of death

What’s included

Real flexible savings, no fine print.

Designed for anyone who wants to start small and adapt month to month.

Contributions from €80/month

Guaranteed return for the first year, with periodic reviews after that.

Total flexibility

Increase, reduce, pause (release) and restart your contributions whenever you need to; extra one-off contributions are also possible.

No tie-in

No requirement to set up payroll deposits or direct debits, no hidden fees, no conditions that change without warning.

Extra capital on death

Your beneficiaries receive extra capital on top of the policy’s accumulated value.

This isn’t an on-demand account: it’s a medium/long-term savings product, with minimal penalties for early withdrawal and access to your saved money. The interest rate is reviewed periodically, it isn’t fixed for life. Full details on rates, penalties and taxation are in the General/Specific Conditions and pre-contractual documentation, which I explain before you take out the policy.

Who it’s for

For anyone who wants to save gradually, with no strings attached.

Conservative savers who want a return with no risk, people tired of bank tie-ins and shifting conditions, or anyone who simply wants to start saving with small amounts.

How we work

Your Flexible Guaranteed Savings, in three steps.

No jargon, no upfront commitment.

Tell me how much you want to contribute

And at what pace feels comfortable.

I confirm your guaranteed return

You’ll know from the start how it works and how much flexibility you have.

You save at your own pace

Increase, reduce or pause your contributions whenever you need to, with no penalty for doing so.

Other Savings options

If your situation is different, one of these might suit you better.

Children’s Savings Plan

A savings plan to gradually build capital for your child or grandchild.

Discover the policy

Guaranteed Super Plan

Single contribution with guaranteed capital and interest until maturity.

Discover the policy

Fondvida

Savings-investment with more return potential, tailored to your risk profile.

Discover the policy

See all Savings

Discover all 4 options and choose the one that fits you best.

See all options

Micol Astorri

Insurance advisor

Why work with me

Why take out your Flexible Guaranteed Savings with me.

I explain the guaranteed return and the flexibility conditions clearly, with no tie-in and no extra cost for advice.

✓ I confirm the current guaranteed return
✓ I explain withdrawal and pause conditions clearly
✓ Advice never costs you more
✓ From Elche (Alicante), serving clients across Spain

"She’s someone who is there when you need her. She saved me a lot of money on my insurance. Always attentive. 100% recommended."

★★★★★

Carola Asquini · Client

Registered with the Insurance Distributors Register (DGSFP) no. C0133X4340072H

About me

Frequently asked questions

Before you write to me.

The questions I get asked most. If yours isn’t here, write to me and I’ll answer personally.

How much do I need to start?

From €80 a month, and you can increase or reduce your contribution whenever you need to.

Can I take out the money if I need it?

Yes; it’s accessible savings, with minimal withdrawal penalties. I’ll explain the conditions before you take it out.

Do I have to set up payroll deposits or take out other products?

No. No tie-in of any kind.

Is the return fixed?

It’s guaranteed for the first year and reviewed periodically; you always know where you stand.

Can I stop paying for a while?

Yes, you can pause (release) and restart your contributions.

What happens if I die?

Your beneficiaries receive extra capital on top of the accumulated value.

What happens if I can’t pay the Flexible Guaranteed Savings contribution some month?

You can pause (release) your contribution temporarily and restart it once your situation allows, without losing what’s already accumulated, within the product’s conditions.

Is there a maximum monthly contribution limit?

There’s no general published contribution cap; you can increase your payment whenever you like, and even make one-off extra contributions.

Is the guaranteed interest rate on Flexible Guaranteed Savings the same every year?

It’s guaranteed for the first year and reviewed quarterly after that; I’ll always let you know the current rate before each review, so there are no surprises.

Can I start with €80 a month and increase the contribution later?

Yes, that’s exactly the idea behind the product: start with a comfortable payment from €80/month and adjust it upward (or downward) as your financial situation evolves.

What happens if I withdraw from Flexible Guaranteed Savings before a year has passed?

You can withdraw at any time; early withdrawal penalties are minimal, but I’ll detail them exactly before you take out the policy, so you can decide with full information.

Do I need to set up payroll deposits to take out Flexible Guaranteed Savings?

No, that’s one of the product’s strong points: it doesn’t require payroll deposits or direct debits, or taking out additional products to keep the conditions.

Can I make extra contributions on top of the monthly payment?

Yes, in addition to your regular contribution, you can make one-off extra contributions whenever you have additional money available (a bonus, an unexpected payment, etc.).

What happens if I want to stop contributing for good?

You can request a full withdrawal of the accumulated value at any time, according to the policy’s conditions; you’re not obliged to keep it going indefinitely.

Is the 3% annual increase option compulsory?

No, it’s optional: you can activate it so your contribution rises automatically each year, or keep your payment fixed if you prefer.

Can I have Flexible Guaranteed Savings and a Guaranteed Super Plan at the same time?

Yes, they work perfectly well together: Flexible for saving month by month, and the Super Plan if at some point you have a lump sum you want to invest with a guarantee.

What happens to Flexible Guaranteed Savings if I switch the bank where my linked account is?

You just need to update the account your contributions are paid from; the product itself isn’t tied to any specific bank, precisely because it doesn’t require any tie-in.

How long do I need to keep Flexible Guaranteed Savings for it to be worthwhile?

There’s no compulsory minimum, but since it’s a medium/long-term savings product, the longer you keep it, the more you benefit from the accumulated guaranteed interest.

What happens if I die while my Flexible Guaranteed Savings policy is active?

Your beneficiaries receive additional capital on top of the policy’s accumulated value at the time of death, according to the conditions in force.

Can I check my Flexible Guaranteed Savings accumulated value whenever I want?

Yes, you can ask for the updated accumulated value at any time; there’s no need to wait for an annual report to know how your savings are doing.

Let’s start

Tell me your case and let’s see how your monthly savings fit.

A 5-minute call is enough to understand how it works. No obligation, and advice never costs you more.

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