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Retired couple enjoying financial freedom with a guaranteed income from Allianz Capital in Spain
Retired couple enjoying financial freedom with a guaranteed income from Allianz Capital in Spain

Allianz Capital in Spain

Allianz Capital is a savings insurance with a guaranteed return and regular withdrawals tailored to you. You invest once, decide how and when you want to receive regular payments, and get a guaranteed return that is renewed every year. For your retirement, for your children, to live off your savings or to plan your estate in Spain, explained in English.

Invest once from €15,000 and receive regular payments at a guaranteed rate reviewed every year. Advice in English from Murcia.

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3%

GUARANTEED RATE (TAE)

Guaranteed return from the first year icon

Guaranteed return from the first year

Regular payments: you decide when and how much icon

Regular payments: you decide when and how much

Full or partial access from the first month icon

Full or partial access from the first month

Options

Three Allianz Capital options for every life goal

Allianz Capital: savings with tailored regular payments icon

Allianz Capital: savings with tailored regular payments

The reference option. You invest a single premium from €15,000 and set your payment plan: the percentage of capital you want to receive, how often (monthly, quarterly, half-yearly or yearly) and when you want to start. Your remaining balance keeps growing at the guaranteed rate.

Allianz Capital Lifetime Guarantee: income for life icon

Allianz Capital Lifetime Guarantee: income for life

Complete peace of mind for retirement. This option guarantees a regular income for as long as the insured person lives. There's no risk of running out: Allianz keeps paying even after the available balance has been used up.

Allianz Capital Living off the Interest: your capital intact icon

Allianz Capital Living off the Interest: your capital intact

For those who want an income without touching their capital. You only receive the interest your investment earns, keeping the initial capital intact to pass on to your children or heirs later.

Why Allianz Capital?

More than insurance: a personalised financial plan

Retirement planning icon

Retirement planning

Top up your state pension, from Spain or from your home country, with a guaranteed regular income that you design yourself. Choose when to start and how often to be paid.

Estate and inheritance planning icon

Estate and inheritance planning

Pass capital on to your children with the treatment of life insurance under Spanish inheritance tax. The Living off the Interest option keeps the main capital intact.

Planning for illness or dependency icon

Planning for illness or dependency

Set up deferred payments that start in the future if you ever need extra income for care, assistance or dependency.

Good to know

A guaranteed income in Spain: four things expats should know

Top up a pension from abroad icon

Top up a pension from abroad

Many expats receive a state or private pension from their home country. Allianz Capital adds a regular income in euros that you can time to your needs in Spain.

Top up a pension from abroad icon

Top up a pension from abroad

Many expats receive a state or private pension from their home country. Allianz Capital adds a regular income in euros that you can time to your needs in Spain.

Plan your estate under Spanish rules icon

Plan your estate under Spanish rules

If you live in Spain, Spanish inheritance tax applies. Life insurance with named beneficiaries makes the transfer simpler, and close relatives in the Region of Murcia can benefit from a 99% tax credit.

Plan your estate under Spanish rules icon

Plan your estate under Spanish rules

If you live in Spain, Spanish inheritance tax applies. Life insurance with named beneficiaries makes the transfer simpler, and close relatives in the Region of Murcia can benefit from a 99% tax credit.

Guaranteed, reviewed every year icon

Guaranteed, reviewed every year

The rate is guaranteed for the current year, and Allianz announces the guaranteed rate for the following year in advance, so you always know where you stand for the next 12 months.

Guaranteed, reviewed every year icon

Guaranteed, reviewed every year

The rate is guaranteed for the current year, and Allianz announces the guaranteed rate for the following year in advance, so you always know where you stand for the next 12 months.

Generally only the interest is taxed icon

Generally only the interest is taxed

For Spanish tax residents, each payment is generally taxed only on its interest portion, as savings income, not on the capital you get back.

Generally only the interest is taxed icon

Generally only the interest is taxed

For Spanish tax residents, each payment is generally taxed only on its interest portion, as savings income, not on the capital you get back.

Calculate your extra income with Allianz Capital

See how to make your savings work safely. Use our calculator to simulate the regular income you could receive with Allianz Capital and turn your savings into a guaranteed monthly income. Then, if you like, visit our office in central Murcia or book a video call for personal advice in English, with no obligation.

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FAQs

Allianz Capital: frequently asked questions

Allianz Group

The strength of a global insurance group

Founded in 1890 icon

Founded in 1890

Present in around 70 countries icon

Present in around 70 countries

Solvency II ratio above 200% icon

Solvency II ratio above 200%

'AA' rating from S&P icon

'AA' rating from S&P

Investment expertise icon

Investment expertise

AMB Seguros is an exclusive Allianz agency in Murcia specialising in wealth and income planning with Allianz Capital. We design your personalised payment plan so your savings work exactly the way you need: for your retirement, for your children or simply to live more comfortably every month, with advice in English.

AMB Seguros is an exclusive Allianz agency in Murcia specialising in wealth and income planning with Allianz Capital. We design your personalised payment plan so your savings work exactly the way you need: for your retirement, for your children or simply to live more comfortably every month, with advice in English.