{"id":1131,"date":"2026-03-17T04:10:34","date_gmt":"2026-03-17T03:10:34","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/seguros-de-ahorro\/seguros-individuales-de-ahorro-a-largo-plazo-sialp\/"},"modified":"2026-07-18T07:55:11","modified_gmt":"2026-07-18T05:55:11","slug":"assegurances-individuals-destalvi-a-llarg-termini-sialp","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/assegurances-destalvi\/assegurances-individuals-destalvi-a-llarg-termini-sialp\/","title":{"rendered":"Assegurances Individuals d\u2019Estalvi a Llarg Termini (SIALP)"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_05caccc0 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 D\u2019ESTALVI<\/span><\/span><\/div><h1 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Assegurances Individuals d\u2019Estalvi a Llarg Termini (SIALP)<\/span><\/span><\/h1><h4 class=\"w-text us_custom_81a92080\"><span class=\"w-text-h\"><span class=\"w-text-value\">El producte d\u2019estalvi amb el millor tractament fiscal del mercat<\/span><\/span><\/h4><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\">MODALITATS<\/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\"><p>La nostra Asseguran\u00e7a Individual d\u2019Estalvi a Llarg Termini es pot contractar en les modalitats seg\u00fcents:<\/p>\n<ul>\n<li>Asseguran\u00e7a de Capital Diferit<\/li>\n<li>Asseguran\u00e7a Mixta<\/li>\n<li>Asseguran\u00e7a de Vida Entera<\/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\"><p><strong>El SIALP \u00e9s una Asseguran\u00e7a de Vida-estalvi la rendibilitat de la qual est\u00e0 exempta de tributaci\u00f3 com a rendiment del capital mobiliari.<\/strong><\/p>\n<p>En ser una asseguran\u00e7a de vida, el SIALP t\u00e9 una liquiditat de la qual no disposen els plans de pensions.<\/p>\n<p>En cas de defunci\u00f3 prematura de l\u2019assegurat, els beneficiaris estan coberts per les garanties de l\u2019asseguran\u00e7a de vida, principals i complement\u00e0ries.<\/p>\n<p>Requisits:<\/p>\n<ul>\n<li>La liquidaci\u00f3 del SIALP, ja sigui per rescat o venciment de l\u2019asseguran\u00e7a, s\u2019ha de cobrar en forma de capital en un \u00fanic pagament. Per aquest motiu tampoc no es podran sol\u00b7licitar bestretes amb c\u00e0rrec al valor de l\u2019asseguran\u00e7a abans del venciment de la p\u00f2lissa.<\/li>\n<li>Caldr\u00e0 esperar almenys 5 anys des de la primera prima aportada abans de disposar de la liquidaci\u00f3 per rescat o venciment de l\u2019asseguran\u00e7a.<\/li>\n<li>Nom\u00e9s es podr\u00e0 ser titular simult\u00e0niament d\u2019un \u00fanic Pla d\u2019Estalvi a Llarg Termini, en qualsevol de les seves modalitats SIALP o CIALP.<\/li>\n<li>El l\u00edmit legal m\u00e0xim d\u2019aportacions \u00e9s de 5.000 euros anuals. Aquest l\u00edmit no computa en els sup\u00f2sits de mobilitzaci\u00f3 ni en cas que les quantitats percebudes al venciment de l\u2019asseguran\u00e7a es destinin a la contractaci\u00f3 d\u2019un nou SIALP.<\/li>\n<\/ul>\n<p>En cas d\u2019incompliment d\u2019algun dels requisits legals indicats anteriorment, l\u2019asseguran\u00e7a es mantindr\u00e0 en vigor amb totes les seves cobertures, per\u00f2 perdr\u00e0 l\u2019avantatge fiscal. <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-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>Fiscalitat privilegiada: la rendibilitat obtinguda est\u00e0 exempta, la qual cosa significa que l\u2019estalvi creix sense tributar.<\/p>\n<p>En cas de defunci\u00f3, els beneficiaris disposen d\u2019importants reduccions en l\u2019Impost sobre Successions.<\/p>\n<\/div><\/div><div class=\"w-text btn-with-underline\"><a href=\"#fiscalidad\" class=\"w-text-h\"><span class=\"w-text-value\">M\u00e9s informaci\u00f3<\/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>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><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><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Els rendiments dels SIALP estan exempts de tributaci\u00f3 en l\u2019IRPF (sempre que es compleixin determinats requisits) el que fa que aquest producte tingui el millor tractament fiscal del mercat.<\/p>\n<p>En cas que l\u00b4Asseguran\u00e7a es rescati abans de transcorreguts 5 anys des de la primera aportaci\u00f3, se sol\u00b7liciti alguna bestreta amb c\u00e0rrec al valor de la p\u00f2lissa, se superi el l\u00edmit d\u2019aportaci\u00f3 de 5.000 euros anuals, o no es percebi la liquidaci\u00f3 de l\u00b4Asseguran\u00e7a d\u2019una sola vegada, els rendiments generats tributaran com a rendiments del capital mobiliari per la difer\u00e8ncia entre el capital percebut i les primes pagades, al tipus que correspongui segons l\u2019import del rendiment.<\/p>\n<p>Si durant els 5 primers anys de vig\u00e8ncia de l\u00b4Asseguran\u00e7a se sol\u00b7licita alguna bestreta o se supera el l\u00edmit anual d\u2019aportacions, el contractant haur\u00e0 d\u2019integrar a la seva base imposable d\u2019aquest exercici el rendiment del capital mobiliari generat fins a aquest moment, encara que no es percebi la liquidaci\u00f3 de l\u00b4Asseguran\u00e7a.<\/p>\n<p>En cas de defunci\u00f3, la prestaci\u00f3 tributar\u00e0 en l\u2019Impost de Successions i Donacions amb importants deduccions estatals i de les CCAA.<\/p>\n<\/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><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 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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":1058,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1131","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1131","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=1131"}],"version-history":[{"count":12,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1131\/revisions"}],"predecessor-version":[{"id":4581,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1131\/revisions\/4581"}],"up":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1058"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/media?parent=1131"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}