Rentas colectivas | Sabadell Seguros y Pensiones

Group annuities allow you to establish employee pension commitments as either group life annuities, which guarantee your employees an income for the rest of their lives, or temporary group annuities, which will do the same for a specific period.

Our team of specialists will help you match our annuities to your pension commitments.

Advantages of group annuities

Guaranteed income We guarantee income for the chosen term.

Option of bequeathing annuities in the event of death The designated beneficiary will continue to receive the defined annuity percentage in the event of the insured’s death.

Revaluation Option of taking out an annual increase in the monthly annuity.

Immediate or deferred annuities According to the needs of each company.

Taxation

For the company The contribution will be a non-deductible expense until annuity payments begin, at which time the portion of contributed premiums will be deductible.
For employees Monthly annuities are subject to personal income tax as income from work. In the event of death and with the designation of second insured individuals, they will continue to receive the annuity untaxed and hence subject to payment of Inheritance and Gift Tax according to the result of the mathematical formula.

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Do you want to help your employees save for their retirement?

Employer pension plans (EPPs) could be a great option. They will help your employees supplement their public pension. Learn more

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Covers and services subject to the policy’s terms, conditions, limitations and exclusions as set out in the terms and conditions and schedule.

Group lifetime and temporary annuities are life/savings insurance policies of BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, subject to the terms and conditions stated in the policy, holder of Tax ID No. A08371908 and with registered office at Calle Isabel Colbrand, 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0557.

Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Avenida Óscar Esplá, 37, 03007 in Alicante, and registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.

Group Annuities

Group Annuities