{"id":1189,"date":"2026-03-17T04:39:05","date_gmt":"2026-03-17T03:39:05","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/assegurances-dempresa\/seguro-colectivo-de-dependencia\/"},"modified":"2026-07-23T13:37:01","modified_gmt":"2026-07-23T11:37:01","slug":"asseguranca-col%c2%b7lectiva-de-dependencia","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/assegurances-dempresa\/asseguranca-col%c2%b7lectiva-de-dependencia\/","title":{"rendered":"Asseguran\u00e7a Col\u00b7lectiva de Depend\u00e8ncia"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_eb8c0db3 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\">Asseguran\u00e7a Col\u00b7lectiva<br \/>\nde Depend\u00e8ncia<\/span><\/span><\/h1><h4 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Assegura el benestar del teu equip<\/span><\/span><\/h4><div class=\"wpb_text_column us_custom_1e8286f0\"><div class=\"wpb_wrapper\"><p>L\u2019asseguran\u00e7a col\u00b7lectiva de Depend\u00e8ncia garanteix una renda mensual en cas de depend\u00e8ncia severa o gran depend\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>Protecci\u00f3 de per vida: sempre que es paguin les primes pactades, el treballador estar\u00e0 cobert durant tota la vida.<\/li>\n<li>Sense per\u00edode de car\u00e8ncia: l\u2019assegurat est\u00e0 cobert des del primer moment.<\/li>\n<li>Sense exclusions: es cobreix el risc de depend\u00e8ncia de manera absoluta i sense exclusions.<\/li>\n<li>En cas de depend\u00e8ncia, el treballador rep una renda mensual que normalment arriba a ser vital\u00edcia.<\/li>\n<li>En cas de defunci\u00f3, la renda pot revertir en el c\u00f2njuge.<\/li>\n<li>Les cobertures s\u00f3n creixents i estan garantides.<\/li>\n<li>Amb participaci\u00f3 en els beneficis de la Societat a trav\u00e9s dels Bons de Capital Addicional.<\/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 class=\"PDq2pG_selectionAnchorContainer\" data-start=\"100\" data-end=\"415\">Els canvis demogr\u00e0fics i socials estan provocant l&#8217;envelliment de la poblaci\u00f3 i un increment progressiu del nombre de persones en situaci\u00f3 de depend\u00e8ncia. Amb l&#8217;objectiu de millorar la qualitat de vida en aquesta situaci\u00f3, la nostra Societat ofereix una soluci\u00f3 asseguradora en forma de renda mensual garantida.<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/p>\n<p>La depend\u00e8ncia \u00e9s l\u2019estat de car\u00e0cter permanent en qu\u00e8 es troben les persones que, per raons derivades de l\u2019edat, la malaltia o la discapacitat, i vinculades a la manca o a la p\u00e8rdua d\u2019autonomia f\u00edsica, mental, intel\u00b7lectual o sensorial, necessiten l\u2019atenci\u00f3 d\u2019una o diverses persones o ajudes importants per realitzar activitats b\u00e0siques de la vida di\u00e0ria.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Beneficis per al treballador:<\/h4>\n<p>L\u2019asseguran\u00e7a col\u00b7lectiva de depend\u00e8ncia est\u00e0 dissenyada per oferir seguretat i tranquil\u00b7litat als treballadors assegurats i als seus \u00e9ssers estimats, i garanteix un suport econ\u00f2mic suficient per fer front a l\u2019augment de les despeses en cas de depend\u00e8ncia.<\/p>\n<p>Gaudeix d\u2019una fiscalitat favorable per al treballador i per a l\u2019empresa contractant. <a href=\"#fiscalidad\">Consultar fiscalitat<\/a>.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Flexibilitat<\/h4>\n<p>Qualsevol empresa pot contractar una Asseguran\u00e7a Col\u00b7lectiva de Depend\u00e8ncia, amb independ\u00e8ncia de la seva estructura societ\u00e0ria.<\/p>\n<p>L\u2019empresari individual que ocupi treballadors en virtut d\u2019una relaci\u00f3 laboral pot promoure un Col\u00b7lectiu de Depend\u00e8ncia en qu\u00e8 tamb\u00e9 podr\u00e0 figurar com a assegurat.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Avantatges fiscals<\/h4>\n<p>Un dels avantatges addicionals de contractar una asseguran\u00e7a col\u00b7lectiva de depend\u00e8ncia \u00e9s que, no nom\u00e9s promou un entorn laboral m\u00e9s atractiu, sin\u00f3 que tamb\u00e9 gaudeix d\u2019un tractament fiscal molt favorable tant per a l\u2019empresa contractant com per als seus treballadors.<\/p>\n<p>Les aportacions realitzades a favor dels treballadors s\u00f3n dedu\u00efbles en l\u2019Impost sobre Societats.<\/p>\n<p>Les primes aportades per l\u2019empresa tenen un impacte fiscal neutre per al treballador, ja que se li imputen com a rendiment del treball personal en el seu IRPF alhora que es redueixen en la seva base imposable.<\/p>\n<p>Les prestacions que rebi el treballador assegurat derivades de l\u2019asseguran\u00e7a de depend\u00e8ncia tributaran com a rendiment del treball en l\u2019IRPF de l\u2019exercici en qu\u00e8 les percebi, podent beneficiar-se de les importants deduccions per discapacitat vigents en aquell moment.<\/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=\"456\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-dependencia.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-dependencia.jpg 692w, https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/cover-dependencia-300x198.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\u00cdPTICS DE PRODUCTES<\/span><\/span><\/div><h3 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Asseguran\u00e7a Col\u00b7lectiva de Depend\u00e8ncia<\/span><\/span><\/h3><div download class=\"w-text btn-with-underline\"><a href=\"\/wp-content\/uploads\/2026\/04\/Seguro-Colectivo-de-Dependencia.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\">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\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 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 a Asseguran\u00e7es Col\u00b7lectives de Depend\u00e8ncia s\u00f3n dedu\u00efbles en l\u2019Impost de Societats.<\/p>\n<p>El treballador declara com a rendiment del treball personal les aportacions realitzades per l\u2019empresa per\u00f2 es dedueix el seu import en la base imposable de l\u2019IRPF.<\/p>\n<p>El l\u00edmit m\u00e0xim d\u2019aportaci\u00f3 a Assegurances Col\u00b7lectives de Depend\u00e8ncia (en conjunt amb les aportacions realitzades a altres sistemes de previsi\u00f3 social) \u00e9s de 15.000\u20ac a l\u2019any, incl\u00f2s el l\u00edmit propi i independent de 5.000\u20ac anuals que tenen les Assegurances Col\u00b7lectives de Depend\u00e8ncia.<\/p>\n<p>Els l\u00edmits de deducci\u00f3 tenen un m\u00e0xim del 30% dels rendiments nets del treball i activitats econ\u00f2miques del treballador.<\/p>\n<p>Els rendiments no estaran subjectes a l\u2019IRPF fins al moment en qu\u00e8 es comenci a percebre la prestaci\u00f3.<\/p>\n<p>En l\u2019impost sobre el Patrimoni, l\u2019estalvi acumulat est\u00e0 exempt de tributaci\u00f3.<\/p>\n<p>Totes les prestacions derivades de les Assegurances de Depend\u00e8ncia tributaran en l\u2019IRPF en concepte del rendiment del treball, independentment de la seva forma de percepci\u00f3, aplicant el tipus marginal i les possibles deduccions per discapacitat que estiguin en vigor en el moment de la percepci\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 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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-1189","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1189","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=1189"}],"version-history":[{"count":13,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1189\/revisions"}],"predecessor-version":[{"id":4787,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1189\/revisions\/4787"}],"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=1189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}