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Savings Insurance

Build capital for the future, with the returns that suit you

Whether it’s for your children, a lump sum sitting idle, or saving a little each month, there’s a savings option built for your situation. From the most conservative guaranteed savings to investment with more upside, I help you choose without jargon.

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Personal advice · Same-day response · No extra cost for advice
How I work with you
  • ✓ I explain which option fits your real time horizon
  • ✓ I never promise returns on risk-based products
  • ✓ Advice never costs you more
Before you choose

Guaranteed savings or investment: the first decision.

Three of the four options are guaranteed savings: you know the interest rate and capital from day one. The fourth, Fondvida, is investment: more return potential, accepting that the value can go up or down. Neither is better in the abstract — it depends on your profile and time horizon.

Choose your option

Four ways to save, each for a different moment.

These are the options I handle most often. If yours is different, tell me — I can probably help too.

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

Flexible Guaranteed Savings

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

Discover the policy

See all insurance policies

I handle more policies besides these. Check the full catalogue or ask me directly about yours.

See full catalogue
How we work

Your savings plan, in three steps.

No jargon, no upfront commitment.

1

Tell me your goal

Capital for your children, a lump sum sitting idle, or saving a little each month.

2

I guide you towards your option

Guaranteed or with more upside, according to your profile and real time horizon.

3

You decide, calmly

No pressure. And I stay by your side if things change over time.

MA
Micol Astorri
Insurance advisor
Why work with me

Why choose your savings option with me.

Choosing between guaranteed savings and investment isn’t guesswork: it’s doing the maths with someone who knows you. I explain honestly what each option involves — including that Fondvida’s value can fall — so you decide with all the information in front of you.

  • ✓ I never promise returns on risk-based products
  • ✓ I match the option to your real time horizon
  • ✓ Advice never costs you more
  • ✓ From Elche (Alicante), serving clients across Spain
"I have funeral insurance and a savings plan with Micol, and I’m very happy with her service. She’s a close, consistent professional who’s always on top of managing and reviewing my policies. She explains everything clearly and inspires real confidence. I definitely recommend miseguros.es, and especially Micol’s care."
★★★★★
Federico Kroupensky · Client

Registered with the Spanish Insurance Distributors Registry (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.

What’s the difference between guaranteed savings and investment?
With guaranteed savings (Children’s Plan, Super Plan, Flexible) you know the interest and capital from the start. With Fondvida you invest in a fund basket: more return potential, but the value can go up or down.
Which one suits me if I don’t know where to start?
It depends on your goal: saving for a child, investing a lump sum, saving a little each month, or seeking more return by taking on risk. I guide you based on your case, with no obligation.
Can I switch options later on?
Each product has its own surrender and transfer conditions. I explain them case by case before you take out a policy.
Is there a minimum amount?
It depends on the option: some accept small contributions from €80/month, others require a single larger contribution. I confirm the current minimum for each.
Do I need to declare it for tax purposes?
Tax treatment of savings depends on current regulations and your personal situation; I can guide you in general terms, and for complex cases I recommend also checking with your tax advisor.
What’s the difference between single-contribution and regular-contribution savings?
Single-contribution savings mean putting in all the money at once (as with the Guaranteed Super Plan); regular-contribution savings mean ongoing monthly or periodic contributions (as with the Children’s Savings Plan, Flexible or Fondvida). We choose the one that fits your situation.
Can I lose money with any of the savings products?
With the guaranteed products (Children’s Plan, Super Plan, Flexible), no: the capital and interest are guaranteed. With Fondvida there is risk, because it’s an investment product linked to funds, and its value can go up or down.
What happens to my money if the insurer ran into trouble?
Insurance companies are subject to strict supervision and solvency requirements regulated under industry legislation. I explain the guarantees of each product transparently before you take out a policy.
Can I have several savings products at the same time?
Yes, it’s common to combine them — for example, a Children’s Savings Plan for a child together with a Flexible plan for family savings, or a Super Plan for a one-off amount alongside regular contributions in another product.
How do I choose between guaranteed savings and investment if I have no experience?
You don’t need any prior experience: I explain the differences with clear examples, without jargon, and we decide together based on your risk tolerance and what you want that money for.
Does the savings policy I take out affect my income tax return?
It can have tax implications depending on the product, the amount and when you withdraw. I can guide you in general terms, and for complex cases it’s worth also checking with your tax advisor. This article explains why savings insurance tax depends on when you cash it in
Can I transfer money from one savings product to another?
It depends on the origin and destination product, and on their particular conditions. We look at it case by case before moving anything, so you don’t lose benefits you’ve already built up.
What happens if I need to withdraw earlier than planned?
Each product has its own conditions for early withdrawal, full or partial, which can affect the return. I explain them clearly before you take out the policy, not after.
Is there a savings product designed for the self-employed?
There isn’t a product exclusively for the self-employed, but it is worth choosing the option that suits irregular income: the contribution flexibility of Flexible Guaranteed Savings tends to fit that profile well.
Is guaranteed savings more secure than a bank deposit?
They’re separate products with different logic: guaranteed insurance savings offer an interest rate and capital agreed contractually for the term, with the safeguards specific to the insurance sector. I explain the conditions of each one so you can decide with real information.
Can I take out savings for several children at the same time?
Yes, you can open a Children’s Savings Plan for each child or grandchild, each with their own policy and their own accumulated capital.
What happens to my savings policy if I move to another city or country?
The product remains fully in force; you just need to update your contact details and, if you move outside Spain, review any possible tax implications depending on your country of residence.
Can I take out savings in the name of my partner or a family member?
Yes, you can designate the policyholder and beneficiary as you need (for example, taking out the policy yourself while the final capital goes to your partner or a family member). We set this up in the particular conditions.
Is a savings plan the same as a pension plan?
No: the insurance savings plans I offer have different liquidity and tax rules to a pension plan. I explain the differences so you can choose sensibly based on your goal.
Can I get a simulation of how much I’d have saved in a few years?
Yes, with your contribution amount, term and the current interest rate, I can give you an indicative projection of how much you’d accumulate, so you can decide with a concrete figure in front of you.
Let’s start

Tell me your goal and let’s find your savings plan.

A 5-minute call is enough to know which option suits you. No obligation, and advice never costs you more.

"I have funeral insurance and a savings plan with Micol, and I’m very happy with her service. She’s a close, consistent professional who’s always on top of managing and reviewing my policies. She explains everything clearly and inspires real confidence. I definitely recommend miseguros.es, and especially Micol’s care."
Federico KroupenskyClient
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Monday to Friday, 9:00 to 18:00.