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Savings Insurance

Start building their tomorrow today, step by step

The Children’s Savings Plan is designed to build, steadily and without risk, capital for your child or grandchild throughout their childhood and teenage years. A financial head start for when they need it: studies, first car, moving out.

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Personal advice · Same-day response · No extra cost for advice
How I work with you
  • ✓ Comfortable contributions, sized to what you can afford
  • ✓ No market risk: part of the guaranteed range
  • ✓ Includes death cover
What’s included

A plan designed for the child’s future.

As a guide, a savings plan running until age 15, though we tailor it to your case.

Regular savings plan

Designed to accumulate capital throughout the child’s infancy and teenage years.

Technical interest rate

Applied to the policy value and reported every year.

Comfortable contributions

Regular and index-linked, sized to what you can contribute.

Death cover

Included within the policy itself.

Capital for their projects

Studies, first car, moving out: the accumulated capital goes toward whatever the child needs.

This is medium/long-term, goal-based savings, not an on-demand account. The technical interest rate is variable and reported annually. Full details on guarantees, conditions and taxation are in the General and Specific Conditions, which I explain before you take out the policy.

Who it’s for

For anyone who wants to give someone they love a head start.

Parents, grandparents and godparents who want to steadily build a financial cushion for a child or grandchild, with consistency and security.

How we work

Your Children’s Savings Plan, in three steps.

No jargon, no upfront commitment.

1

Tell me who it’s for

The child’s age and what you want to achieve with the savings.

2

We size the contribution

Adjusted to what you can afford each month.

3

You start building their future

Steadily, without risk, and with cover included.

Other Savings options

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

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

Flexible Guaranteed Savings

Regular contributions from €80/month, no strings attached, with guaranteed returns.

Discover the policy

See all Savings

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

See all options
MA
Micol Astorri
Insurance advisor
Why work with me

Why take out the Children’s Savings Plan with me.

I help you keep up the savings habit and understand exactly what capital your child or grandchild will have, and when. No surprises, no small print.

  • ✓ I size the contribution to your real budget
  • ✓ I explain the technical interest rate without jargon
  • ✓ Advice never costs you more
  • ✓ From Elche (Alicante), serving clients across Spain
"She was kind and patient, and took the time to explain everything clearly to help me find the insurance that best suited me."
Ana V. · 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.

When can my child access the money?
It’s designed to accumulate throughout their childhood and teenage years, with the capital available later on: studies, moving out.
Who can take it out?
Parents, grandparents or other family members on behalf of the child.
How much do I need to contribute?
Comfortable, regular contributions; we adjust them to what you can afford. I’ll confirm the current minimum.
Is it safe?
It’s a savings product with a technical interest rate, part of the guaranteed range; no market risk.
What happens if something happens to me?
The policy includes death cover; we review it according to your case.
Can I change the contribution over time?
Yes, we adapt the plan to your situation.
Can I open a Children’s Savings Plan for a nephew or godchild, not just for my own child?
Yes, any family member or close friend can take it out on behalf of a minor: grandparents, aunts and uncles, godparents... You only need the minor’s details and the policyholder’s.
What happens to the money if my child turns 18 and the plan is still open?
The plan follows the conditions agreed in the policy; once the planned time horizon is reached (or the age of majority, depending on how it was set up), the accumulated capital becomes available. I’ll explain the specific options for your case.
Can I make extra contributions on top of the regular payment?
In many cases, yes: one-off additional contributions are allowed (for example, using money from a communion or a bonus payment) to build up your accumulated savings faster.
What happens if I stop paying the Children’s Savings Plan instalments?
If contributions are interrupted, the policy may be reduced or suspended depending on its conditions; it’s best to let me know if there’s a temporary change in your finances, so we can look at alternatives before you lose any benefits.
Can I give the Children’s Savings Plan as an initial lump sum and not keep contributing?
The product is designed for regular contributions, not as single-contribution savings; for a lump sum, there are other options better suited to that, such as the Guaranteed Super Plan.
Can I check how much my child has saved so far at any time?
Yes, you can ask for the policy’s accumulated value at any time; I’ll provide it whenever you need it, without waiting for the annual review.
What happens if the minor the plan was set up for passes away?
This is an exceptional situation covered in the policy wording; in that case, the policy’s specific conditions apply, which I explain in detail if you ever need it.
Is the technical interest rate of the Children’s Savings Plan the same every year?
The technical interest rate is communicated annually and can vary from one year to the next; it’s not a fixed rate guaranteed for life, although it is still part of the guaranteed range with no market risk.
Can I change the amount of the monthly contribution later on?
Yes, you can adjust the payment up or down depending on your financial situation at the time, within the product’s conditions.
What documentation do I need to take out a Children’s Savings Plan?
Basically, the policyholder’s ID and the beneficiary minor’s details (name, date of birth). I take care of preparing the rest of the paperwork with you.
Can the Children’s Savings Plan be used to pay for studies abroad?
Yes, the accumulated capital has no mandatory purpose: when it becomes available, your child or you can put it towards studies, including abroad, or towards any other project.
What if I have several children — do I need a separate policy for each one?
Yes, each minor needs their own policy with their own accumulated capital; a single plan cannot be split between several children.
Does the Children’s Savings Plan also protect me as the policyholder if something happens to me?
Yes, the policy includes cover in the event of the policyholder’s death, with conditions we review together based on your situation.
Can I transfer the plan to someone else if I can no longer keep paying?
Changing the policyholder is a process that depends on the policy’s conditions; we look at it case by case if that situation arises, before considering cancellation.
Let’s start

Let’s start building your child’s tomorrow, today.

A 5-minute call is enough to set up your plan. No obligation, and advice never costs you more.

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