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Savings Insurance

Put your money to work, knowing today what you’ll have tomorrow

Guaranteed Super Plan is a single-contribution savings product, as a guide from €10,000: you contribute a lump sum you have available and know from day one, with guaranteed capital and interest, exactly what you’ll have at maturity. No market risk.

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From around €10,000 · Same-day response · No extra cost for advice
How I work with you
  • ✓ Capital and interest guaranteed until maturity
  • ✓ Full or partial withdrawal during the term
  • ✓ Extra capital in case of death
What’s included

Total security, with the return laid out upfront.

A product designed for money you won’t need in the short term.

Single contribution

From around €10,000 as a guide, with a set term until maturity.

Guaranteed capital and interest

You know from day one what you’ll have at the end, until the policy’s maturity date.

Full or partial withdrawal

You can access the money during the term if you need to.

Death cover

The beneficiary receives the accumulated value plus extra capital (around +4% of the surrender value, as a guide).

Early withdrawal may affect the guaranteed return. The interest rate is set for the agreed term. Full details on guarantees, penalties and taxation are in the General and Specific Conditions, which I explain before you take out the policy.

Who it’s for

For anyone with a lump sum sitting idle who wants total security.

An inheritance, the sale of an asset, savings sitting in the bank: for conservative profiles who want to put it to work with a known return, no market risk.

How we work

Your Guaranteed Super Plan, in three steps.

No jargon, no upfront commitment.

1

Tell me how much you have available

And what time horizon you have in mind.

2

I confirm your guaranteed capital and interest

You’ll know from day one what you’ll have at maturity.

3

You decide, calmly

No pressure, and the withdrawal conditions are clear from the start.

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

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 your Guaranteed Super Plan with me.

I confirm the capital and interest you’ll get from the very first moment, no surprises, and I explain the withdrawal conditions before you sign anything.

  • ✓ I confirm the minimum and the current interest rate
  • ✓ I explain early withdrawal clearly
  • ✓ Advice never costs you more
  • ✓ From Elche (Alicante), serving clients across Spain
"From the very first contact she was kind, attentive and professional. She advised me patiently, answered all my questions and helped me find the best option for my needs, with no complications."
★★★★★
Victor O. · 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.

From what amount can I take it out?
It’s a single-contribution product, as a guide from around €10,000. I confirm the current minimum.
Do I know how much I’ll earn?
Yes: capital and interest are guaranteed until maturity, so you know from the start.
What if I need the money sooner?
You can withdraw fully or partially; early withdrawal may affect the return. I’ll explain the conditions.
What happens if I die during the contract?
Your beneficiaries receive the accumulated value plus extra capital.
Is there a risk of losing money, like in the stock market?
No: it’s guaranteed savings, not market investment (that would be Fondvida).
Can I make further contributions later?
It’s a single-contribution product; for contributing gradually, Flexible Guaranteed Savings fits better.
What happens if I want to withdraw from the Super Plan before the agreed maturity date?
You can request a full or partial withdrawal at any time, although early withdrawal can affect the guaranteed return agreed at the start. I’ll explain the exact conditions before you decide.
Can the Super Plan’s guaranteed interest rate go down during the policy term?
No: once taken out, the technical interest rate is guaranteed for the entire agreed term of the policy, regardless of how the market performs.
Can I add more capital once I’ve taken out the Super Plan?
It’s a single-contribution product, designed to invest one amount in a single go; for making regular contributions afterwards, Flexible Guaranteed Savings is a better fit, and you can take it out alongside the Super Plan.
What documentation do I need to take out a Guaranteed Super Plan?
Mainly your ID and the source of the funds you’re contributing, in line with anti-money-laundering regulations. I’ll support you through the whole process.
Can I name several beneficiaries on the Super Plan?
Yes, you can name one or several beneficiaries and split the capital in whatever percentages you prefer, changing it whenever you need to.
Is the Super Plan compatible with other savings products I already have?
Yes, you can combine it without any issue with the Children’s Savings Plan, Flexible or Fondvida; they are separate products that work well alongside each other.
What happens to the Super Plan if I change my tax residence?
The policy remains in force, but it’s worth reviewing the tax implications of your new residence; I can guide you in general terms, and if the case is complex, it’s worth checking with a tax advisor.
Can I know exactly how much I’ll have at maturity from day one?
Yes, that’s the essence of the product: capital and interest are guaranteed and communicated from the moment you take it out, so you know the exact figure you’ll reach if you keep the policy until the end.
Is there a maximum amount for taking out a Super Plan?
There’s no general published cap; for larger amounts, there may be additional checks on the source of funds. I’ll confirm any particular details for your case.
What happens if I die before the Super Plan reaches maturity?
Your beneficiaries receive the policy’s accumulated value plus additional capital, as a guide around 4% of the surrender value, according to the conditions in force.
Can I use the Super Plan as collateral or a guarantee for a loan?
Some lenders accept guaranteed savings policies as additional collateral for certain transactions; this is something to assess case by case with the lender and with me.
Does the Super Plan have any entry cost or fee?
The financial terms (fees, charges) are set out in the pre-contract documentation, which we go through together line by line before you sign, with no surprises.
Can I renew the Super Plan when it reaches maturity?
At maturity, you can take the capital, or if you prefer, consider taking out a new Super Plan or another savings product, based on the conditions in force at that time.
From what age can I take out a Guaranteed Super Plan?
It can be taken out from the age of legal majority, usually without a strict upper age limit, although there may be nuances depending on the term chosen; I’ll confirm the details for your case.
Let’s start

Tell me your case and let’s confirm your guaranteed capital.

A 5-minute call is enough to know what you’ll have at maturity. No obligation, and advice never costs you more.

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