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Guaranteed Savings

Savings insurance that offers a guaranteed return for each annuity from the first euro.

1/6
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.

Liquidity alert

The redemption, surrender or early return of part or all of the principal invested is subject to commissions or penalties.

Why take out guaranteed savings insurance?

March Vida offers a range of insurance products designed for those who wish to save, without any risk and with a guaranteed annual return.

  • Guaranteed return from the first euro.
  • You can access your savings at any time.
  • Additional capital in case of death.

What does our savings life insurance offer?

   Liquidity

Liquidity in order to access your savings. No penalty fee will apply after the first year. Partial surrenders are allowed after 2 years of validity of the policy.

   Flexibility

Choose the initial amount you want to invest and make extraordinary contributions at any time.

   Attractive return

  • An attractive interest rate is guaranteed for the first year, which will be reviewed annually.
  • At each renewal, the applicable interest rate for the following annuity will be notified.

   Coverage in the event of death

In the event of death, your beneficiaries will receive, in addition to the accumulated balance, an additional capital of 10% with a maximum of €6,000, or €600 from the age of 65.

Choose the type of guaranteed savings life insurance that best suits your needs

We have different products depending on the type of contributions you want to make*.

FEATURES MARCH VIDA AHORRO MARCH VIDA AHORRO PLUS
Guarenteed return Annual Annual
Contributions Flexibility in premiums Single premium (mín. 10.000€)
Extraordinary contributions Mín. 120€ Mín. 3.000€
Maximum contracting 10.000€ 1.000.000€
Full surrender No penalty from the 1st year No penalty
Total surrender value 1st year 95% on accumulated balance 100% of the premiums contributed
Partial surrender From the 2nd year From the 2nd year
Additional death coverage 10% balance (max. €6.000 or 600>65 years) 10% balance (max. €6.000 or €600>65 years)
Minimum contracting age 18 years 18 years
Maximum contracting age 70 years 90 years
*Para conocer las coberturas aplicables a otros tipos de vehículos, como motos, camiones, remolques y demás, así como las coberturas incluidas en la modalidad Todo Riesgo Sin Franquicia, por favor, contacte con su gestor u oficina.

Contracting requirements

Maximum ages and minimum amounts

A maximum contracting age is set for each product and minimum amounts are established for both initial and extraordinary contributions.

Home

The contracting of this insurance product is limited to individuals residing in Spain, Germany, Italy and France.

Precontractual information

Before the conclusion of the contract, you will receive the product informative sheet with its main features.

Insurance legal information

Insurance company: March Vida Seguros y Reaseguros - DGS registration number: C0754. Distribution company: Banca March, S.A., registered in the Companies Register of the Balearic Islands (F76. T.410. L-334. H-PM- 644) with VAT no. A07004021. Banca March distributes insurance as an associated banking and insurance operator registered in the Special Register of Insurance Brokers of the General Directorate of Insurance and Pension Funds with number OV0040, and has professional civil liability insurance and sufficient financial capacity in accordance with the provisions of any applicable regulations. You can view the list of insurance and reinsurance companies with which we have an agency contract in force at this link: https://www.bancamarch.es/en/people/your-day-to-day/insurance/. This information is for commercial purposes, does not represent a contractual commitment and is merely ilustrative or descriptive of the insurance product to which it refers, so it cannot be considered at any time as a recommendation to take out insurance products. The information collected is subject to the conditions and limitations described in the general and particular conditions of the insurance policy.

March Vida MultiEstructuras, UL

Seguros de vida Unit Linked que invierte en depósitos estructurados de Banca March.

 
Lowest risk
Potencialmente menor rendimiento
1
2
3
4
5
6
7
Highest risk
Potencialmente mayor rendimiento

The risk indicator assumes that you will hold the product until the expiry date. The actual risk can vary considerably in the event of early redemption, so you may get less money back. You will not be able to cancel it at an earlier date, except during the annual liquidity windows.

Why contract March Vida MultiEstructuras, UL?

It is a Unit Linked life insurance product in which the policyholder fully assumes the investment risk, the product invests in a structured deposit guaranteed by Banca March.

  • Attractive guaranteed return on maturity.
  • Possibility of surrender in the annual liquidity windows.
  • Additional capital in case of death.

What does March Vida MultiEstructuras, UL offer?

   Linked investment

It invests in a structured deposit issued by Banca March, which contemplates the payment at maturity of the capital invested plus a fixed coupon and a bonus subject to the evolution of a reference indexa.

   Coverage in the event of death

Additional death capital equivalent to 10% of the premium, with a maximum of €6,000 or €600 from age 65.

   Duration

You can choose between different maturity options for your investment, depending on your needs and return expectations.

   Liquidity

Possibility of full surrender in the annual liquidity windows.

Contracting requirements

Minimum contracting premium

The minimum premium is €6,000. For insured persons over 65 years of age, ask your personal manager about the minimum contracting amount.

Home

The contracting of this insurance product is limited to individuals residing in Spain, Germany, Italy and France.

Precontractual information

The KDF (Key Data Document) will be provided prior to contracting. This document is available at www.marchvida.es.

Insurance legal information

IInsurance company: March Vida Seguros y Reaseguros - DGS registration number: C0754. Distribution company: Banca March, S.A., registered in the Companies Register of the Balearic Islands (F76. T.410. L-334. H-PM- 644) with VAT no. A07004021. Banca March distributes insurance as an associated banking and insurance operator registered in the Special Register of Insurance Brokers of the General Directorate of Insurance and Pension Funds with number OV0040, and has professional civil liability insurance and sufficient financial capacity in accordance with the provisions of any applicable regulations. You can view the list of insurance and reinsurance companies with which we have an agency contract in force at this link: https://www.bancamarch.es/en/people/your-day-to-day/insurance/. This information is for commercial purposes, does not represent a contractual commitment and is merely ilustrative or descriptive of the insurance product to which it refers, so it cannot be considered at any time as a recommendation to take out insurance products. The information collected is subject to the conditions and limitations described in the general and particular conditions of the insurance policy.

March Vida MultiFondos, UL

Seguros de vida Unit Linked que invierte en fondos de inversión de su elección.

 
Lowest risk
Potencialmente menor rendimiento
1
2
3
4
5
6
7
Highest risk
Potencialmente mayor rendimiento

The risk indicator assumes that you will hold the product until the expiry date. The actual risk can vary considerably in the event of early redemption, so you may get less money back. You will not be able to cancel it at an earlier date, except during the annual liquidity windows.

Why take out March Vida MultiFondos, UL?

It is a Unit Linked life insurance product in which the policyholder fully assumes the investment risk, the product invests in investment funds of your choice.

  • Investment alternatives based on your profile.
  • Total liquidity, without penalties or redemption expenses.
  • Additional capital in case of death.

What does March Vida MultiFondos, UL offer?

   Diversification of your investments

You will be able to invest in Banca March's internal funds as well as the best external funds listed as investment alternatives for the product.

   Liquidity 

Possibility of total or partial surrender at any time at net asset value. The return generated is not taxed until the decision is made to surrender.

   Contracting modalities

  • According to profile: prudent, balanced or dynamic.
  • Free investment: you can select the funds in which you wish to invest from among the different investment alternatives.

   Coverage in the event of death

Additional capital in the event of death equivalent to 10% of the premiums not subject to surrender, with a maximum of €6,000 or €600 from the age of 65.

Contracting requirements

Minimum amount

The minimum contracting premium is €6,000.

Home

The contracting of this insurance product is limited to individuals residing in Spain, Germany, Italy and France.

Precontractual information

KDF (Key Data Document) will be provided prior to contracting. This document is available at www.marchvida.es.

Insurance legal information

Insurance company: March Vida Seguros y Reaseguros - DGS registration number: C0754. Distribution company: Banca March, S.A., registered in the Companies Register of the Balearic Islands (F76. T.410. L-334. H-PM- 644) with VAT no. A07004021. Banca March distributes insurance as an associated banking and insurance operator registered in the Special Register of Insurance Brokers of the General Directorate of Insurance and Pension Funds with number OV0040, and has professional civil liability insurance and sufficient financial capacity in accordance with the provisions of any applicable regulations. You can view the list of insurance and reinsurance companies with which we have an agency contract in force at this link: https://www.bancamarch.es/en/people/your-day-to-day/insurance/. This information is for commercial purposes, does not represent a contractual commitment and is merely ilustrative or descriptive of the insurance product to which it refers, so it cannot be considered at any time as a recommendation to take out insurance products. The information collected is subject to the conditions and limitations described in the general and particular conditions of the insurance policy..

March Vida MultiActivos, UL

 
Menor riesgo
Potencialmente menor rendimiento
1
2
3
4
5
6
7
Mayor riesgo
Potencialmente mayor rendimiento

Para la Modalidad de Inversión Seleccionada, el indicador de riesgo puede variar del 1 al 5 en función de las cestas seleccionadas. Para la Modalidad de Inversión Delegada, será 3 para el perfil conservador y moderado, correspondiendo el valor 4 para el perfil decidido. Podrá obtener información específica de las distintas opciones de inversión en https://www.marchvida.es/kids.html. El indicador de riesgos mostrado presupone que usted mantendrá el producto durante 5 años. El riesgo real puede variar considerablemente en caso de salida anticipada, por lo que es posible que recupere menos dinero.

¿Por qué contratar March Vida MultiActivos, UL?

Seguro de vida Unit Linked en el que el tomador asume íntegramente el riesgo de la inversión. El seguro invierte en cestas de activos (existen siete cestas por tipología de activo) y podrá elegir entre dos modalidades de contratación.

  • Inversión en una gran variedad de activos.
  • Total liquidez, sin penalizaciones ni gastos por reembolso.
  • Capital adicional en caso de fallecimiento.

¿Qué ofrece March Vida MultiActivos, UL?

   Diversificación de sus inversiones

Podrá invertir en una amplia gama de tipos de activos: fondos, acciones, ETFs, deuda soberana, deuda corporativa…

   Liquidez

Posibilidad de rescate total o parcial en cualquier momento a valor liquidativo. El rendimiento generado no tributa hasta el momento en que se decida rescatar.

   Modalidades de contratación

  • Inversión Seleccionada: usted podrá establecer los porcentajes invertidos en cada cesta.
  • Inversión Delegada: usted delega la gestión en función de su perfil de riesgo (conservador, moderado o decidido).

   Cobertura en caso de fallecimiento

Capital adicional en caso de fallecimiento equivalente al 5% de las primas no rescatadas, con un máximo de 30.000€ o de 10.000€ a partir de los 65 años.

Requisitos para la contratación

Importe mínimo

La prima mínima de contratación es de 200.000€.

Residencia

La contratación del seguro está limitada únicamente para personas físicas residentes en España, Alemania, Italia y Francia.

Información precontractual

Se proporcionará el DDF (documento de datos fundamentales) antes de la contratación. Este documento está a su disposición en www.marchvida.es.

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