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92%

Tax exemption on your taxes based on your age.

100% safe

Your peace of mind, our commitment.

Lifetime

Your guaranteed monthly income

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This number indicates the product's risk level: 1/6 is lower risk and 6/6 is higher risk

This product does not require a liquidity alert.

Receive a guaranteed monthly income for the rest of your life.
In addition, you share each year in Mutualidad’s profits.
The certainty of having fixed financial support, no matter what happens.

Enjoy exceptional tax advantages while paying very little tax.
Your tax exemption increases with age, reaching up to 92%.
A smart way to ensure the rewards of your hard work stay with you.

Choose how to receive your income to ensure your peace of mind for life.
Decide what capital your beneficiaries will receive as a legacy.
Adapt your plan to your needs so you can live the future you want.

Your lifetime annuity plan is backed by Mutualidad’s financial strength.
Enjoy the peace of mind of being able to withdraw your money from the first year onward.
Access an ecosystem of benefits and services exclusively for members.

modalities

Your retirement, your way

Your Lifetime Annuity Plan adapts to what you value most. Choose the option that best reflects you and your priorities.

Full protection for your legacy

The annuity is reduced because it includes full capital recovery.
In the event of death, your beneficiaries will receive 100% of the capital you contributed, plus an additional 2%*.
It allows you to withdraw the contributed capital from the first year onward.

*The additional 2% is capped at €1,000 if you take out the plan at age 70 or over.

Maximum support for your everyday life

You will receive a higher monthly annuity than with the full capital recovery option.
In the event of death, your beneficiaries will receive the contributed capital, minus 2% for each year you have received the annuity.
It allows you to withdraw the capital from the first year onward.

coverage

The power of taking care of each other: much more than savings

The value of our community shows when you need it most. That's why we offer you the option to complement your plan with covers that protect you and your loved ones.

The protection for your loved ones adapts to the option you choose:

If you choose full capital recovery: Your family will receive 100% of the capital you contributed, plus an extra 2%.
If you choose partial capital recovery: Your family will receive the remaining capital, which is adjusted by 2% each year.