Pensions

Did you know that pensions are not a new idea?  Since ancient times, mankind has been in search of the best conditions for quality of life and security.

Did you know that pensions are not a new idea?  Since ancient times, mankind has been in search of the best conditions for quality of life and security.

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What is Social Welfare?

It is the set of measures and actions aimed at meeting the needs of the members of a society.

Initial protection systems

With the first Industrial Revolution, workers became aware of their helplessness in the face of long working hours and low wages.

Social Insurance

The initial protection systems proved incapable of providing a comprehensive solution to the risks that arose and, as a result, the figure of mandatory social insurance arose, which was created and managed by the different governments.

Social Security

This is the public welfare system that protects the individual against social risks.

Current model

In most countries, the social security model is based on three levels of protection.

Social Security

Public Social Welfare or Social Security is the state welfare system that protects the individual against social risks.

Public Social Welfare or Social Security

Public Social Welfare or Social Security is the public welfare system that protects individuals against social risks. By social risk we mean any future and uncertain event, independent of the person’s will, that prevents them from obtaining income or that causes a significant decrease in their quality of life or standard of living.

Private Supplementary Social Welfare

Individual supplementary welfare

Don’t let retirement catch you off guard
Pension plans are contracts through which savings related to pensions are chaneled. Pension plans must be attached to a pension fund.

Pension plans are contracts through which pension-related savings are channeled. They must be attached to a pension fund.

Life insurance policies are savings products, where the guaranteed capital is the result of the profitability generated by the periodic payment of certain amounts

Life insurance is a savings product, where the guaranteed capital is the result of the return generated by the periodic payment of certain amounts.

If you want to calculate your approximate pension, here is a very simple simulator

If you want to calculate your approximate pension, we have a very simple simulator for you.

Supplementary welfare plans for companies

There are two main instruments: Employment Pension Plans and Group Insurance.
There are two main instruments: occupational pension plans and group insurance.