{"id":1173,"date":"2026-03-17T04:22:26","date_gmt":"2026-03-17T03:22:26","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/assegurances-dempresa\/plan-de-prevision-social-empresarial-ppse\/"},"modified":"2026-07-21T05:03:39","modified_gmt":"2026-07-21T03:03:39","slug":"pla-de-previsio-social-empresarial-ppse","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/assegurances-dempresa\/pla-de-previsio-social-empresarial-ppse\/","title":{"rendered":"Pla de Previsi\u00f3 Social Empresarial (PPSE)"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_0b264c93 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&#8217;EMPRESA<\/span><\/span><\/div><h1 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Pla de Previsi\u00f3<br \/>\nSocial Empresarial (PPSE)<\/span><\/span><\/h1><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Solucions a la mida del teu negoci<\/span><\/span><\/h4><div class=\"wpb_text_column us_custom_6444d825\"><div class=\"wpb_wrapper\"><p>Sistema de previsi\u00f3 social que empreses i empresaris individuals poden promoure a favor dels teus empleats i treballadors.<\/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&#8217;UN COP D&#8217;ULL<\/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>Aportacions dedu\u00efbles en l&#8217;Impost sobre Societats per a l&#8217;empresa.<\/li>\n<li>Estalvi fiscal en l&#8217;IRPF del treballador fins als l\u00edmits permesos.<\/li>\n<li>Capitals garantits al venciment i cobertures de protecci\u00f3 social.<\/li>\n<li>Drets consolidats des de la primera aportaci\u00f3.<\/li>\n<li>Flexibilitat per configurar aportacions i cobertures segons la categoria.<\/li>\n<li>Compatible amb empreses de qualsevol mida i estructura societ\u00e0ria.<\/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>Els Plans de Previsi\u00f3 Social Empresarial s\u00f3n assegurances col\u00b7lectives que combinen la tranquil\u00b7litat de les Assegurances de Vida cl\u00e0ssiques i els avantatges fiscals que t\u00e9 la previsi\u00f3 social complement\u00e0ria, i constitueixen una alternativa flexible als plans de pensions d&#8217;ocupaci\u00f3.<\/strong><\/p>\n<p>Els capitals que han de percebre els treballadors estan garantits i no depenen de l&#8217;evoluci\u00f3 dels mercats financers ni dels tipus d&#8217;inter\u00e8s. A m\u00e9s, poden incloure cobertures d&#8217;invalidesa i defunci\u00f3 de l&#8217;assegurat abans de l&#8217;edat de jubilaci\u00f3, configurant un producte de protecci\u00f3 integral per als treballadors.<\/p>\n<p>L&#8217;empresari individual que ocupi treballadors en virtut d&#8217;una relaci\u00f3 laboral pot promoure un PPSE en qu\u00e8 tamb\u00e9 pot figurar com a assegurat.<\/p>\n<p>Els PPSE gaudeixen d&#8217;una fiscalitat favorable tant per a l&#8217;empresa, amb la deducci\u00f3 de les aportacions efectuades en l&#8217;Impost sobre Societats, com per al treballador, que deduir\u00e0 aquesta aportaci\u00f3 en l&#8217;IRPF. <a href=\"#fiscalidad\"><span style=\"font-weight: 400\">Consultar fiscalitat.<\/span><\/a><\/p>\n<p>Qualsevol empresa pot contractar un PPSE, amb independ\u00e8ncia de la seva estructura societ\u00e0ria.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>No-discriminaci\u00f3<\/h4>\n<p>S&#8217;ha de garantir l&#8217;acc\u00e9s a tots els treballadors, tot i que aquests poden renunciar a la seva inclusi\u00f3. Es poden establir diferents nivells d&#8217;aportaci\u00f3 en funci\u00f3 de categories i nivells professionals.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Irrevocabilitat de les aportacions<\/h4>\n<p>L&#8217;empresa no pot recuperar les aportacions un cop efectuades, les quals queden a favor del treballador.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Capitalitzaci\u00f3<\/h4>\n<p>Les aportacions es van acumulant de manera individual per a cada treballador aplicant la t\u00e8cnica actuarial, i queden garantits els capitals al venciment.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Atribuci\u00f3 de drets<\/h4>\n<p>Des del primer moment, les aportacions generen drets a favor del treballador amb les corresponents cobertures i garanties.<\/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=\"465\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-1.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-1.jpg 692w, https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-1-300x202.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\">Pla de Previsi\u00f3 Social Empresarial<\/span><\/span><\/h3><div download class=\"w-text btn-with-underline\"><a href=\"\/wp-content\/uploads\/2026\/05\/Plan-de-Prevision-Social-Empresarial.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Descargar<\/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&#8217;assegurances 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-ne 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>Les prestacions de les Assegurances de Vida gaudeixen de diversos incentius fiscals, tant en l&#8217;IRPF 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-ne 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\">COBERTURES ADDICIONALS<\/span><\/span><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>El nostre Pla de Previsi\u00f3 Social Empresarial es pot contractar en les modalitats seg\u00fcents:<\/p>\n<\/div><\/div><div class=\"w-text btn-with-underline\"><a href=\"https:\/\/www.espanasa.com\/ca\/assegurances-destalvi\/capitals-diferits\/\" class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a de Capital Diferit<\/span><\/a><\/div><div class=\"w-text btn-with-underline mt16\"><a href=\"https:\/\/www.espanasa.com\/ca\/assegurances-destalvi\/asseguranca-mixta\/\" class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a Mixta<\/span><\/a><\/div><div class=\"w-text btn-with-underline mt16\"><a href=\"https:\/\/www.espanasa.com\/ca\/assegurances-de-proteccio-familiar\/asseguranca-de-vida-entera\/\" class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a de Vida Entera<\/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><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Les contribucions empresarials al PPSE s\u00f3n dedu\u00efbles de l\u2019Impost de Societats.<\/p>\n<p>El treballador pot deduir-se fins a 8.500\u20ac per contribucions empresarials, addicionals als 1.500\u20ac d\u2019aportaci\u00f3 individual a instruments de previsi\u00f3 social. Per tant, si el treballador no tingu\u00e9s altres sistemes de previsi\u00f3 social, l\u2019aportaci\u00f3 empresarial podria arribar fins a 10.000\u20ac anuals.<\/p>\n<p>Els l\u00edmits de deducci\u00f3 tenen un m\u00e0xim del 30% dels rendiments nets del treball i activitats econ\u00f2miques.<\/p>\n<p>Els rendiments no estaran subjectes a l\u2019IRPF fins al moment en qu\u00e8 es comenci a percebre la prestaci\u00f3. Quan es percebin les prestacions, tindran la consideraci\u00f3 de rendiments del treball, subjectes a la retenci\u00f3 corresponent, i s\u2019integraran en la base imposable de cada any.<\/p>\n<p>En l\u2019impost sobre el Patrimoni, l\u2019estalvi acumulat est\u00e0 exempt de tributaci\u00f3.<\/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 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_qf0f\" 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 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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":1142,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1173","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1173","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=1173"}],"version-history":[{"count":16,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1173\/revisions"}],"predecessor-version":[{"id":4582,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1173\/revisions\/4582"}],"up":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1142"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/media?parent=1173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}