{"id":1022,"date":"2026-03-15T09:06:57","date_gmt":"2026-03-15T08:06:57","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/assegurances-de-risc\/seguro-de-vida-entera\/"},"modified":"2026-07-23T11:52:01","modified_gmt":"2026-07-23T09:52:01","slug":"asseguranca-de-vida-entera","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/assegurances-de-proteccio-familiar\/asseguranca-de-vida-entera\/","title":{"rendered":"Asseguran\u00e7a de Vida Entera"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_8a0c0688 page-header height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><nav class=\"g-breadcrumbs us_custom_d59b2e97 breadcrumbs_element has_text_color separator_icon align_none\" itemscope itemtype=\"http:\/\/schema.org\/BreadcrumbList\"><div class=\"g-breadcrumbs-item\" itemscope itemprop=\"itemListElement\" itemtype=\"http:\/\/schema.org\/ListItem\"><a itemprop=\"item\" href=\"https:\/\/www.espanasa.com\/ca\/\"><span itemprop=\"name\">P\u00e0gina d'inici<\/span><\/a><meta itemprop=\"position\" content=\"1\"\/><\/div><div class=\"g-breadcrumbs-separator\"><i class=\"far fa-angle-right\"><\/i><\/div><div class=\"g-breadcrumbs-item\">P\u00e0gines<\/div><\/nav><div class=\"w-text header-tag\"><span class=\"w-text-h\"><span class=\"w-text-value\">ASSEGURANCES DE PROTECCI\u00d3 FAMILIAR<\/span><\/span><\/div><h1 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a de<br \/>\nVida Entera<\/span><\/span><\/h1><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Garantia per a tota la vida<\/span><\/span><\/h4><div class=\"wpb_text_column us_custom_9f1bfae6\"><div class=\"wpb_wrapper\"><p>L\u2019asseguran\u00e7a de Vida Entera protegeix la teva fam\u00edlia durant tota la vida i, alhora, et permet acumular un capital garantit per fer front a qualsevol conting\u00e8ncia.<\/p>\n<\/div><\/div><div class=\"w-text btn-more\"><a href=\"#more\" class=\"w-text-h\"><span class=\"w-text-value\">M\u00c9S INFORMACI\u00d3<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row at-a-glance height_huge\" id=\"more\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">D\u2019UN COP D\u2019ULL<\/span><\/span><\/div><div class=\"g-cols wpb_row via_grid cols_2-1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:3rem;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column glance-summery\"><div class=\"wpb_wrapper\"><ul>\n<li>Cobertura de defunci\u00f3 per a tota la vida.<\/li>\n<li>Primes constants.<\/li>\n<li>Flexibilitat per incorporar cobertures addicionals.<\/li>\n<li>Valors de liquiditat en cas necessari.<\/li>\n<li>El capital i els valors de liquiditat estan garantits.<\/li>\n<li>Tractament fiscal privilegiat.<\/li>\n<li>Participa en els beneficis de la companyia asseguradora.<\/li>\n<\/ul>\n<\/div><\/div><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">CARACTER\u00cdSTIQUES DEL PRODUCTE<\/span><\/span><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Protecci\u00f3 de per vida<\/h4>\n<p>Sempre que es paguin les primes pactades, estar\u00e0s cobert des del primer moment i durant la resta de la teva vida.<\/p>\n<p>Quan ja no hi siguis, l\u2019asseguran\u00e7a pagar\u00e0 el capital a qui determinis: un o diversos familiars, altres \u00e9ssers estimats, una ONG, etc., amb independ\u00e8ncia de la liquidaci\u00f3 heredit\u00e0ria.<\/p>\n<p>A m\u00e9s, l&#8217;Asseguran\u00e7a de Vida Entera participa en els beneficis de la Companyia Asseguradora mitjan\u00e7ant l&#8217;assignaci\u00f3 de Bons Anuals de Capital Addicional, que cada any incrementen el capital de l&#8217;asseguran\u00e7a sense cap cost addicional per a l&#8217;assegurat.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Seguretat per als teus beneficiaris<\/h4>\n<p>L\u2019asseguran\u00e7a de vida pot ajudar els teus \u00e9ssers estimats a mantenir el seu nivell de vida encara que tu no hi siguis.<\/p>\n<p>El capital en cas de defunci\u00f3 pot suplir la p\u00e8rdua d\u2019ingressos del cap de fam\u00edlia, pagar la hipoteca, uns estudis o facilitar la creaci\u00f3 d\u2019un negoci. Tamb\u00e9 \u00e9s una font de liquiditat per afrontar el pagament de l\u2019Impost de Successions sense haver de liquidar b\u00e9ns de l\u2019her\u00e8ncia.<\/p>\n<p>Les cobertures de l\u2019asseguran\u00e7a estan totalment garantides amb independ\u00e8ncia de l\u2019evoluci\u00f3 dels mercats financers.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Disponibilitat per al teu estalvi<\/h4>\n<p>L\u2019asseguran\u00e7a de Vida Entera et permet acumular un estalvi que sempre estar\u00e0 disponible per fer front a les teves necessitats, tant les previstes com les imprevistes.<\/p>\n<p>Els valors de rescat creixen cada any, s\u00f3n coneguts des de l\u2019inici de la p\u00f2lissa i estan garantits. Tamb\u00e9 es poden sol\u00b7licitar bestretes o pr\u00e9stecs sobre el valor de la p\u00f2lissa, que permeten obtenir liquiditat sense necessitat de rescatar l\u2019asseguran\u00e7a.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Flexibilitat<\/h4>\n<p>Tindr\u00e0s total llibertat per canviar els beneficiaris, la forma de cobrament de les prestacions i la periodicitat del pagament de les primes.<\/p>\n<p>Les primes es poden pagar de forma vital\u00edcia o durant un termini determinat (per exemple fins a arribar a l\u2019edat de jubilaci\u00f3).<\/p>\n<p><strong><span style=\"font-weight: normal;\">Les cobertures de l&#8217;asseguran\u00e7a es poden adaptar al cicle vital incorporant, amb flexibilitat, assegurances complement\u00e0ries de defunci\u00f3, defunci\u00f3 per accident, invalidesa i estalvi.<\/span><\/strong>\u00a0<a href=\"#coberturas-adicionales\">Veure les cobertures addicionals.<\/a><\/p>\n<p>En cas d\u2019interrompre anticipadament el pagament de primes, podr\u00e0s optar per mantenir l\u2019asseguran\u00e7a amb cobertures i valors de liquiditat redu\u00efts o reduir nom\u00e9s els valors de liquiditat mantenint els capitals de defunci\u00f3.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Avantatges fiscals<\/h4>\n<p>No pagar\u00e0s impostos mentre acumules el teu estalvi i, en molts casos, els capitals per defunci\u00f3 percebuts pels beneficiaris poden beneficiar-se d\u2019avantatges fiscals segons la normativa vigent. <a href=\"#fiscalidad\"><span style=\"font-weight: 400;\">Consultar fiscalitat.<\/span><\/a><\/p>\n<\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-image align_center\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"692\" height=\"452\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/image-12.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/image-12.jpg 692w, https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/image-12-300x196.jpg 300w\" sizes=\"auto, (max-width: 692px) 100vw, 692px\" \/><\/div><\/div><div class=\"w-vwrapper widget-box dark align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div class=\"w-text widget-title\"><span class=\"w-text-h\"><span class=\"w-text-value\">D\u00cdPTIC DE PRODUCTE<\/span><\/span><\/div><h3 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a de Vida Entera<\/span><\/span><\/h3><div download class=\"w-text btn-with-underline\"><a href=\"\/wp-content\/uploads\/2026\/04\/Seguro-Vida-Entera-Jubilacion-Flexible.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Descarregar<\/span><\/a><\/div><\/div><div class=\"w-vwrapper widget-box align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div class=\"w-text widget-title\"><span class=\"w-text-h\"><span class=\"w-text-value\">COBERTURES ADDICIONALS<\/span><\/span><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Les garanties de protecci\u00f3 familiar poden adaptar-se al cicle vital mitjan\u00e7ant la inclusi\u00f3 d\u2019assegurances complement\u00e0ries de defunci\u00f3, accident, invalidesa o estalvi.<\/p>\n<\/div><\/div><div class=\"w-text btn-with-underline\"><a href=\"#coberturas-adicionales\" class=\"w-text-h\"><span class=\"w-text-value\">Saber m\u00e9s<\/span><\/a><\/div><\/div><div class=\"w-vwrapper widget-box align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div class=\"w-text widget-title\"><span class=\"w-text-h\"><span class=\"w-text-value\">FISCALITAT<\/span><\/span><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>L\u2019asseguran\u00e7a de Vida Entera tamb\u00e9 es pot contractar en les modalitats de PPA, PIAS i SIALP.<\/p>\n<p>Les prestacions de les assegurances de vida gaudeixen de diversos incentius fiscals, tant a l\u2019IRPF com en altres impostos.<\/p>\n<\/div><\/div><div class=\"w-text btn-with-underline\"><a href=\"#fiscalidad\" class=\"w-text-h\"><span class=\"w-text-value\">Saber m\u00e9s<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_49fcf3b6 contact-bottom height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2>Contacta amb nosaltres<\/h2>\n<p>Els nostres gestors poden ajudar-lo a establir el capital assegurat que necessita en funci\u00f3 de les seves circumst\u00e0ncies personals.<\/p>\n<\/div><\/div><div class=\"w-text btn-white\"><a href=\"https:\/\/www.espanasa.com\/ca\/contacte\/\" class=\"w-text-h\"><span class=\"w-text-value\">Contactar<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row additional-coverage height_huge\" id=\"coberturas-adicionales\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">Cobertures addicionals<\/span><\/span><\/div><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Les garanties s\u2019adapten al cicle vital amb assegurances complement\u00e0ries de defunci\u00f3, accident, invalidesa o estalvi.<\/span><\/span><\/h4><div class=\"w-vwrapper align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Invalidesa<\/strong><\/p>\n<p>La teva asseguran\u00e7a es pot complementar amb la garantia d\u2019exempci\u00f3 del pagament de primes en cas d\u2019invalidesa absoluta i permanent de l\u2019Assegurat. Addicionalment, es pot contractar una renda mensual de l\u20191% del capital base de l\u2019asseguran\u00e7a principal, pagadora fins al venciment de la p\u00f2lissa o fins a la defunci\u00f3 de l\u2019Assegurat si es produeix abans.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Defunci\u00f3 per accident<\/strong><\/p>\n<p>Aquest complement garanteix el pagament d\u2019un capital addicional als beneficiaris en cas de defunci\u00f3 de l\u2019Assegurat per accident, i el doble si \u00e9s per accident de tr\u00e0nsit.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Defunci\u00f3 per qualsevol causa<\/strong><\/p>\n<p>Les cobertures en cas de defunci\u00f3 es poden incrementar durant tota la durada de l\u2019asseguran\u00e7a, durant un termini o de forma esglaonada. Aquest complement \u00e9s ideal per adaptar les cobertures a diferents moments del temps.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><strong>Revaloritzaci\u00f3 del capital al venciment<\/strong><\/p>\n<p>L\u2019Ap\u00e8ndix de Capitals Suplementaris garanteix capitals rellevants al venciment de l\u2019asseguran\u00e7a a canvi del pagament de primes creixents que compensen la p\u00e8rdua de poder adquisitiu. En cas de defunci\u00f3, els increments de prima pagats es retornen als beneficiaris.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row tax-incentives height_huge\" id=\"fiscalidad\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">FISCALITAT<\/span><\/span><\/div><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Les prestacions de les assegurances de vida gaudeixen de diversos incentius fiscals, tant a l\u2019IRPF com en altres impostos.<\/span><\/span><\/h4><div class=\"w-tabs style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"sg\"><button class=\"w-tabs-section-header\" aria-controls=\"content-sg\" aria-expanded=\"false\"><h4 class=\"w-tabs-section-title\">Prestacions en cas de defunci\u00f3<\/h4><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-sg\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_da1a9854\"><div class=\"wpb_wrapper\"><p>En cas de defunci\u00f3 de l\u2019assegurat, els beneficiaris tributaran per l\u2019impost de successions i donacions sempre que siguin persones diferents del prenedor de l\u2019asseguran\u00e7a. Les quantitats percebudes es podran acollir a importants reduccions de la base imposable, indicades en el quadre seg\u00fcent:<\/p>\n<\/div><\/div><div class=\"w-html\"><div class=\"tax-table\">\n\n  <div class=\"tax-header\">\nREDUCCIONS EN LA BASE IMPOSABLE DE L'IMPOST  <\/div>\n\n  <div class=\"tax-grid\">\n\n    <div class=\"cell text\">\n      Si el beneficiari \u00e9s un fill menor de 21 anys\n    <\/div>\n    <div class=\"cell amount\">\n      47.858,59 \u20ac\n    <\/div>\n\n    <div class=\"cell text\">\n      Si el beneficiari \u00e9s c\u00f2njuge, ascendent o fill de 21 anys o m\u00e9s\n    <\/div>\n    <div class=\"cell amount\">\n      15.956,87 \u20ac\n    <\/div>\n\n    <div class=\"cell text bg-white\">\n      <p>\n        A m\u00e9s de les reduccions anteriores, quan el beneficiari sigui el c\u00f2njuge, ascendent o descendent del prenedor difunt, s'aplicar\u00e0 una altra reducci\u00f3 del 100% de les quantitats percebudes per una asseguran\u00e7a de vida amb el l\u00edmit de: \n      <\/p>\n\n      <p class=\"note\">\nLa reducci\u00f3 ser\u00e1 del 100%, sense l\u00edmit, sigui quin sigui el beneficiari, si la defunci\u00f3n es produeix com a consequ\u00e8ncia del terrorisme o en missions humanit\u00e0ries internacionals.      <\/p>\n    <\/div>\n    <div class=\"cell amount bg-white\">\n      9.195,49 \u20ac\n    <\/div>\n\n    <div class=\"cell text\">\n      <p>\n        Si el beneficiari t\u00e9 alguna discapacitat tindr\u00e0 dret, a m\u00e9s a una altra reducci\u00f3 en funci\u00f3 del grau de discapacitat: \n      <\/p>\n\n      <ul style=\"margin: 12px 0 0 20px; padding: 0;\">\n        <li style=\"margin-bottom: 12px;\">\n          Si \u00e9s igual o superior al 33% i inferior al 65%\n        <\/li>\n        <li>\n          Si \u00e9s superior al 65%\n        <\/li>\n      <\/ul>\n    <\/div>\n\n    <div class=\"cell amount\" style=\"display:flex; flex-direction:column; justify-content:flex-end; gap:12px;\">\n      <div>\n        47.852,59 \u20ac\n      <\/div>\n      <div>\n        150.253,03 \u20ac\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div><\/div><div class=\"wpb_text_column us_custom_403fe078\"><div class=\"wpb_wrapper\"><p><small>(*) Aquests imports poden variar segons la comunitat aut\u00f2noma de resid\u00e8ncia del subjecte passiu.<\/small><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"fi\"><button class=\"w-tabs-section-header\" aria-controls=\"content-fi\" aria-expanded=\"false\"><h4 class=\"w-tabs-section-title\">Prestacions en cas de vida<\/h4><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-fi\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column us_custom_f37b25c6\"><div class=\"wpb_wrapper\"><p>El rendiment que l\u2019asseguran\u00e7a de vida vagi generant no pagar\u00e0 impostos mentre no es percebi la prestaci\u00f3. Quan la prestaci\u00f3 sigui percebuda pel mateix prenedor, tindr\u00e0 la consideraci\u00f3 de rendiment de capital mobiliari (renda de l\u2019estalvi) a l\u2019IRPF, amb diferents reduccions segons si es percep en forma de renda o en un pagament \u00fanic. Les retencions que apliqui la companyia d\u2019assegurances en el moment de rebre la prestaci\u00f3 (ja sigui en forma de capital o de renda) es descomptaran a la declaraci\u00f3 de l\u2019IRPF.<\/p>\n<h6>Cobrament en forma de capital<\/h6>\n<p>Quan la prestaci\u00f3 es percep en forma de capital, el rendiment del capital mobiliari es calcula com la difer\u00e8ncia entre el capital percebut i el total de les primes satisfetes durant la vig\u00e8ncia de la p\u00f2lissa.<\/p>\n<p>Aquest rendiment tributa a la base imposable de l&#8217;estalvi de l&#8217;IRPF d&#8217;acord amb els tipus seg\u00fcents:<\/p>\n<div class=\"tax-table\">\n<div class=\"tax-grid\">\n<div class=\"tax-header\" style=\"text-align: center; font-weight: bold;\">Rendiment de l&#8217;estalvi<\/div>\n<div class=\"tax-header\" style=\"text-align: center; font-weight: bold;\">Tipus aplicable<\/div>\n<div class=\"cell text bg-white\" style=\"text-align: center;\">Fins a 6.000 \u20ac<\/div>\n<div class=\"cell amount bg-white\" style=\"text-align: center;\">19 %<\/div>\n<div class=\"cell text bg-white\" style=\"text-align: center;\">Entre 6.000 \u20ac i 50.000 \u20ac<\/div>\n<div class=\"cell amount bg-white\" style=\"text-align: center;\">21 %<\/div>\n<div class=\"cell text bg-white\" style=\"text-align: center;\">Entre 50.000 \u20ac i 200.000 \u20ac<\/div>\n<div class=\"cell amount bg-white\" style=\"text-align: center;\">23 %<\/div>\n<div class=\"cell text bg-white\" style=\"text-align: center;\">Mes de 200.000 \u20ac<\/div>\n<div class=\"cell amount bg-white\" style=\"text-align: center;\">26 %<\/div>\n<\/div>\n<\/div>\n<h6>Cobrament en forma de renda<\/h6>\n<p>La renda percebuda tributar\u00e0 com a rendiment de capital mobiliari, subjecta a importants reduccions:<\/p>\n<p>Si la renda \u00e9s vital\u00edcia (a percebre durant tota la vida del beneficiari), el percentatge de l\u2019anualitat exempt de tributaci\u00f3 dependr\u00e0 de l\u2019edat en el moment d\u2019iniciar-ne la percepci\u00f3, segons l\u2019escala seg\u00fcent:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-1019\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/rentes-vitalicies-ca.svg\" alt=\"\" \/><\/p>\n<p>Si la renda \u00e9s temporal (a percebre durant un nombre determinat d\u2019anys), el percentatge de l\u2019anualitat exempt de tributaci\u00f3 dependr\u00e0 de la durada de la renda, segons l\u2019escala seg\u00fcent:<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-1020\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/tentes-temporals-ca.svg\" alt=\"\" \/><\/p>\n<p>En ambd\u00f3s casos, si la renda es percep transcorregut un termini des del pagament de primes (rendes diferides), la rendibilitat generada des de la contractaci\u00f3 es repartir\u00e0 entre el total d\u2019anys en qu\u00e8 es percebi la renda, amb un m\u00e0xim de 10, evitant aix\u00ed que el rendiment obtingut tributi en un sol any.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><code><\/code><\/p>\n<p style=\"font-size: 0.75em;\">Aquesta informaci\u00f3 t\u00e9 car\u00e0cter general i est\u00e0 subjecta a canvis d\u2019acord amb la normativa vigent.<br \/>\nSi desitja ampliar la informaci\u00f3 sobre les nostres solucions, pot posar-se en contacte amb nosaltres.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n<section class=\"l-section wpb_row blog-carousel height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-hwrapper valign_middle align_justify\" style=\"--hwrapper-gap:0rem\"><div class=\"w-text text-with-dot\"><span class=\"w-text-h\"><span class=\"w-text-value\">ENTRADES RELACIONADES DEL BLOG<\/span><\/span><\/div><div class=\"w-text btn-gold\"><a href=\"\/pt\/blog\/\" class=\"w-text-h\"><span class=\"w-text-value\">VEURE TOTES<\/span><\/a><\/div><\/div><div class=\"w-grid us_post_carousel type_carousel layout_165 preload_style_spinner items_3\" id=\"us_post_list_r15c\" style=\"--items:3;--gap:30px;\"><style>.layout_165 .w-grid-item-h{}<\/style><div class=\"w-grid-list owl-carousel valign_stretch dotstyle_circle navstyle_circle arrows-ver-pos_middle arrows-hor-pos_on_sides_outside arrows-disabled_hide owl-responsive-2000 with_arrows\" style=\"--transition-duration:350ms;--arrows-size:1.5rem;--arrows-gap:10px;\">\t<article class=\"w-grid-item size_1x1 post-4614 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad category-autonomos category-pensiones-y-jubilacion tag-ahorro-a-largo-plazo tag-autonomos tag-capital-garantizado tag-jubilacion tag-pensiones-publicas tag-planificacion-jubilacion tag-proteccion-familiar tag-seguro-de-vida tag-seguros-de-vida-ahorro tag-seguros-para-autonomos-y-profesionales\" data-id=\"4614\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/complementar-ingresos-jubilacion-autonomos\/\" class=\"w-grid-item-anchor\" aria-label=\"Aut\u00f3nomos: c\u00f3mo complementar ingresos en la jubilaci\u00f3n\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-06-15T00:00:00+02:00\">15th juny 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/06\/jubilacion-autonomos-1024x683.png\" class=\"attachment-large size-large wp-post-image\" alt=\"Tarro de ahorro para la jubilaci\u00f3n\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Aut\u00f3nomos: c\u00f3mo complementar ingresos en la jubilaci\u00f3n<\/div><div class=\"w-post-elm post_content usg_post_content_1\"><p>Descubre c\u00f3mo generar ingresos complementarios en la jubilaci\u00f3n y asegurar la protecci\u00f3n familiar desde hoy.<\/p>\n<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2293 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad tag-ahorro-jubilacion-autonomos tag-capitales-diferidos tag-como-pagar-menos-impuestos tag-declaracion-de-la-renta-espana tag-espana-sa tag-fiscalidad tag-fiscalidad-del-ahorro tag-irpf-espana tag-optimizar-impuestos-legalmente tag-pias tag-planificacion-fiscal-personal tag-ppa tag-rentas-aseguradas tag-sialp\" data-id=\"2293\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/declaracion-de-la-renta-en-espana-que-puedes-hacer-ahora-y-como-pagar-menos-impuestos\/\" class=\"w-grid-item-anchor\" aria-label=\"Declaraci\u00f3n de la Renta en Espa\u00f1a: qu\u00e9 puedes hacer ahora y c\u00f3mo pagar menos impuestos\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-05-05T00:00:00+02:00\">5th maig 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/entrepreneur-working-with-bills-scaled-1-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Declaraci\u00f3n de la Renta en Espa\u00f1a: qu\u00e9 puedes hacer ahora y c\u00f3mo pagar menos impuestos<\/div><div class=\"w-post-elm post_content usg_post_content_1\">La campa\u00f1a de la declaraci\u00f3n de la renta ya est\u00e1 en marcha en Espa\u00f1a y&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-4006 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad category-pensiones-y-jubilacion tag-capitales-diferidos tag-dependencia tag-espana-sa tag-multinacionales tag-pensiones tag-pias tag-ppa tag-ppse tag-rentas-aseguradas tag-retribucion-flexible tag-sialp\" data-id=\"4006\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/pensiones-en-europa-es-sostenible-el-sistema\/\" class=\"w-grid-item-anchor\" aria-label=\"Pensiones en Europa: \u00bfes sostenible el sistema?\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-04-03T10:06:21+02:00\">3rd abril 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/close-up-couple-holding-hands-1-1-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Pensiones en Europa: \u00bfes sostenible el sistema?<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Europa envejece. Y el sistema p\u00fablico de pensiones, dise\u00f1ado en un contexto demogr\u00e1fico muy diferente&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2288 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad tag-empresa tag-espana-sa tag-multinacionales\" data-id=\"2288\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/plan-impulsa-formar-hoy-a-los-mediadores-que-garantizaran-la-proteccion-del-manana\/\" class=\"w-grid-item-anchor\" aria-label=\"Plan Impulsa: formar hoy a los mediadores que garantizar\u00e1n la protecci\u00f3n del ma\u00f1ana\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-03-10T00:00:00+01:00\">10th mar\u00e7 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/joyful-multiethnic-friends-taking-funny-group-selfie-1-1-1024x683.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Plan Impulsa: formar hoy a los mediadores que garantizar\u00e1n la protecci\u00f3n del ma\u00f1ana<\/div><div class=\"w-post-elm post_content usg_post_content_1\">En un sector donde la confianza, la solvencia y la calidad del asesoramiento marcan la&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2284 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad tag-ahorro-a-largo-plazo tag-como-planificar-la-jubilacion tag-empresa tag-espana-sa tag-mejores-planes-de-pensiones-espana tag-multinacionales tag-planes-de-pensiones tag-planificacion-financiera tag-prevision-financiera tag-seguros-de-vida tag-seguros-de-vida-con-capital-garantizado tag-solvencia-aseguradora\" data-id=\"2284\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/la-hoja-de-ruta-de-espana-s-a-para-2026-crecer-con-solvencia-y-compromiso\/\" class=\"w-grid-item-anchor\" aria-label=\"La hoja de ruta de Espa\u00f1a, S.A. para 2026: crecer con solvencia y compromiso\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-02-23T00:00:00+01:00\">23rd febrer 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/02\/front-view-hand-adding-coins-stack-covered-dirt-plants-1024x576.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">La hoja de ruta de Espa\u00f1a, S.A. para 2026: crecer con solvencia y compromiso<\/div><div class=\"w-post-elm post_content usg_post_content_1\">2026 ser\u00e1 un a\u00f1o clave para Espa\u00f1a, S.A. Compa\u00f1\u00eda Nacional de Seguros. A las puertas&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2281 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad tag-aniversario-corporativo tag-aniversario-espana-s-a tag-aseguradora-especializada-en-vida tag-empresa tag-espana-sa tag-historia-empresarial tag-multinacionales tag-pensiones tag-prevision-a-largo-plazo tag-prevision-lo-que-de-verdad-importa tag-seguros-de-vida tag-seguros-de-vida-desde-1928 tag-solvencia tag-solvencia-aseguradora\" data-id=\"2281\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/aniversario-12-enero-espana-sa\/\" class=\"w-grid-item-anchor\" aria-label=\"12 de enero: casi un siglo protegiendo lo que de verdad importa\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-01-12T00:00:00+01:00\">12th gener 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"819\" height=\"1024\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/01\/98-anos-web3-819x1024.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">12 de enero: casi un siglo protegiendo lo que de verdad importa<\/div><div class=\"w-post-elm post_content usg_post_content_1\">El 12 de enero celebramos un aniversario muy especial. No solo porque marca el paso&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2278 post type-post status-publish format-standard has-post-thumbnail hentry category-actualidad tag-ahorro-para-la-jubilacion tag-capitales-diferidos tag-espana-sa tag-jubilacion tag-jubilacion-segura tag-pias tag-planificacion-financiera tag-rentas-aseguradas tag-seguridad-del-ahorro tag-seguro-de-ahorro-garantizado tag-seguros-mixtos tag-sialp tag-vida-entera tag-volatilidad-del-mercado\" data-id=\"2278\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/proteger-jubilacion-mercado-alcista\/\" class=\"w-grid-item-anchor\" aria-label=\"Cuando la bolsa sube\u2026 tu jubilaci\u00f3n no deber\u00eda bajar la guardia\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2026-01-05T00:00:00+01:00\">5th gener 2026<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1024\" height=\"731\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/01\/blond-businessman-surprised-expression-1-1024x731.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Cuando la bolsa sube\u2026 tu jubilaci\u00f3n no deber\u00eda bajar la guardia<\/div><div class=\"w-post-elm post_content usg_post_content_1\">En los \u00faltimos meses, los mercados burs\u00e1tiles han vuelto a ocupar titulares por sus subidas&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2276 post type-post status-publish format-standard has-post-thumbnail hentry category-ahorro category-seguros-de-vida tag-acompanamiento-en-seguros-de-vida tag-atencion-personalizada-en-seguros tag-empresa tag-espana-sa tag-experiencia-aseguradora-personalizada tag-experiencia-de-cliente tag-multinacionales tag-proteccion-familiar-y-ahorro tag-seguros-de-vida tag-seguros-de-vida-con-capital-garantizado tag-seguros-para-autonomos-y-profesionales\" data-id=\"2276\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/como-ofrecemos-una-experiencia-de-cliente-unica-en-seguros-de-vida-y-ahorro\/\" class=\"w-grid-item-anchor\" aria-label=\"\u00bfC\u00f3mo ofrecemos una experiencia de cliente \u00fanica en seguros de vida y ahorro?\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2025-11-21T00:00:00+01:00\">21st novembre 2025<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1008\" height=\"630\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Boceto_IMG-BLOG_Experiencia_V1.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">\u00bfC\u00f3mo ofrecemos una experiencia de cliente \u00fanica en seguros de vida y ahorro?<\/div><div class=\"w-post-elm post_content usg_post_content_1\">En un momento en el que todo se digitaliza y la inteligencia artificial forma parte&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2274 post type-post status-publish format-standard has-post-thumbnail hentry category-pensiones-y-jubilacion tag-crecimiento-empresarial tag-cultura-empresarial tag-desarrollo-de-talento tag-empresas-centenarias tag-espana-s-a tag-estrategia-de-recursos-humanos tag-excelencia-organizacional tag-expansion-sostenible tag-formacion-corporativa tag-liderazgo-con-proposito\" data-id=\"2274\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/formacion-talento-crecimiento-sostenible-espanasa\/\" class=\"w-grid-item-anchor\" aria-label=\"Formaci\u00f3n y talento: la clave del crecimiento sostenible de Espa\u00f1a, S.A. hacia su centenario\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2025-10-22T00:00:00+02:00\">22nd octubre 2025<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1008\" height=\"630\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Frame-143724700.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Formaci\u00f3n y talento: la clave del crecimiento sostenible de Espa\u00f1a, S.A. hacia su centenario<\/div><div class=\"w-post-elm post_content usg_post_content_1\">A las puertas de su centenario, Espa\u00f1a S.A. vive un momento de impulso y transformaci\u00f3n.&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2272 post type-post status-publish format-standard has-post-thumbnail hentry category-pensiones-y-jubilacion tag-capital-asegurado tag-espana-sa tag-patrimonio tag-planificacion-patrimonial tag-planificacion-patrimonial-familiar tag-proteccion-familiar tag-proteccion-sucesoria tag-seguridad-economica-familiar tag-seguro-de-vida tag-seguros-dotales tag-vida-entera tag-vida-riesgo\" data-id=\"2272\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/seguro-vida-planificacion-patrimonial\/\" class=\"w-grid-item-anchor\" aria-label=\"\u00bfPor qu\u00e9 el seguro de vida es una herramienta clave en la planificaci\u00f3n patrimonial familiar?\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2025-09-15T00:00:00+02:00\">15th setembre 2025<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1008\" height=\"630\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Boceto_IMG_Blog_Septimebre_2_V3.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">\u00bfPor qu\u00e9 el seguro de vida es una herramienta clave en la planificaci\u00f3n patrimonial familiar?<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Cuando hablamos de planificaci\u00f3n patrimonial, muchas veces pensamos solo en herencias, testamentos o estructuras fiscales&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2269 post type-post status-publish format-standard has-post-thumbnail hentry category-pensiones-y-jubilacion tag-ahorro tag-ahorro-infantil tag-capital-garantizado tag-emprendimiento-joven tag-espana-sa tag-estudios-universitarios tag-futuro-de-los-hijos tag-independencia-economica tag-planificacion-financiera tag-seguro-dotal tag-seguros-de-vida tag-seguros-dotales\" data-id=\"2269\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/asegura-el-futuro-de-tus-hijos-con-un-seguro-dotal-6\/\" class=\"w-grid-item-anchor\" aria-label=\"Asegura el Futuro de tus Hijos con un Seguro Dotal\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2025-08-27T00:00:00+02:00\">27th agost 2025<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1008\" height=\"630\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Boceto-Blog-Septiembre_2025_V2.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">Asegura el Futuro de tus Hijos con un Seguro Dotal<\/div><div class=\"w-post-elm post_content usg_post_content_1\">Como padres, pocas cosas nos preocupan m\u00e1s que el futuro de nuestros hijos. No basta&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n\t<article class=\"w-grid-item size_1x1 post-2267 post type-post status-publish format-standard has-post-thumbnail hentry category-pensiones-y-jubilacion tag-ahorro-en-familia tag-apps-educativas tag-capital-garantizado tag-educacion-financiera-infantil tag-educacion-financiera tag-espana-sa tag-gestion-del-dinero-para-hijos tag-juegos-de-dinero-para-ninos tag-planificacion-financiera-familiar tag-recursos-educativos-verano tag-seguro-dotal tag-seguro-para-estudios tag-seguros-dotales\" data-id=\"2267\">\r\n\t\t<div class=\"w-grid-item-h\">\r\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.espanasa.com\/como-ensenar-a-tus-hijos-a-gestionar-el-dinero-desde-pequenos\/\" class=\"w-grid-item-anchor\" aria-label=\"C\u00f3mo ense\u00f1ar a tus hijos a gestionar el dinero desde peque\u00f1os\"><\/a>\r\n\t\t\t\t\t\t<time class=\"w-post-elm post_date usg_post_date_1 entry-date published\" datetime=\"2025-07-28T00:00:00+02:00\">28th juliol 2025<\/time><div class=\"w-post-elm post_image usg_post_image_1 has_ratio\"><img decoding=\"async\" width=\"1008\" height=\"630\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Frame-143724665.png\" class=\"attachment-large size-large wp-post-image\" alt=\"\" \/><div style=\"padding-bottom:71.4286%\"><\/div><\/div><div class=\"w-post-elm post_title usg_post_title_1 entry-title\">C\u00f3mo ense\u00f1ar a tus hijos a gestionar el dinero desde peque\u00f1os<\/div><div class=\"w-post-elm post_content usg_post_content_1\">\u00bfA qu\u00e9 edad deber\u00edan los ni\u00f1os aprender sobre el valor del dinero? Muchos padres esperan&hellip;<\/div><div class=\"w-text usg_text_1 btn-readmore\"><span class=\"w-text-h\"><span class=\"w-text-value\">Llegir article<\/span><\/span><\/div>\t\t<\/div>\r\n\t\t\t<\/article>\r\n<\/div><div class=\"w-grid-carousel-json hidden\" onclick='return {&quot;carousel_settings&quot;:{&quot;aria_labels&quot;:{&quot;prev&quot;:&quot;Previous&quot;,&quot;next&quot;:&quot;Seg\\u00fcent&quot;},&quot;autoplayContinual&quot;:false,&quot;autoplayHoverPause&quot;:false,&quot;autoplayTimeout&quot;:3000,&quot;autoWidth&quot;:false,&quot;smartSpeed&quot;:350,&quot;margin&quot;:0,&quot;mouseDrag&quot;:true,&quot;rtl&quot;:false,&quot;slideBy&quot;:&quot;1&quot;,&quot;touchDrag&quot;:true,&quot;slideTransition&quot;:&quot;&quot;,&quot;responsive&quot;:{&quot;0&quot;:{&quot;autoHeight&quot;:false,&quot;autoplay&quot;:false,&quot;autoWidth&quot;:false,&quot;center&quot;:false,&quot;dots&quot;:false,&quot;items&quot;:1,&quot;loop&quot;:false,&quot;nav&quot;:false,&quot;stagePadding&quot;:0,&quot;slideBy&quot;:&quot;1&quot;},&quot;601&quot;:{&quot;items&quot;:3,&quot;autoplay&quot;:false,&quot;center&quot;:false,&quot;dots&quot;:false,&quot;nav&quot;:true,&quot;autoHeight&quot;:false,&quot;autoWidth&quot;:false,&quot;loop&quot;:true,&quot;stagePadding&quot;:0}}}}'><\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"\u00bfA qu\u00e9 edad deber\u00edan los ni\u00f1os aprender sobre el valor del dinero? Muchos padres esperan a que sus hijos sean adolescentes para hablar de ahorro, gasto o trabajo. Sin embargo, los expertos coinciden en que la educaci\u00f3n financiera debe comenzar desde los primeros a\u00f1os, adaptada a su nivel de comprensi\u00f3n. Ense\u00f1ar a gestionar el dinero...","protected":false},"author":2,"featured_media":0,"parent":978,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1022","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1022","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/comments?post=1022"}],"version-history":[{"count":14,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1022\/revisions"}],"predecessor-version":[{"id":4766,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1022\/revisions\/4766"}],"up":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/978"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/media?parent=1022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}