At Mutualidad, we believe that consistency is the best ally of saving. That's why we have designed the Suma+ Savings Plan, a medium- and long-term solution that combines profitability and flexibility.

The peace of mind of a 10-year plan, with the option to withdraw your savings and death benefit coverage.

* Gross interest assigned quarterly.
** +15% loyalty bonus after 5 years, applied to the assigned interest.
*** Early withdrawal available, subject to the product's terms and conditions.

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+15%

of the interest assigned to the 5 years**

3,5 %

Of gross interest assigned for the current quarter*

Full liquidity

Access your savings whenever you need them through a one-time full withdrawal from day one, with no penalties.***

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This number indicates the product's risk level: 1/6 is lower risk and 6/6 is higher risk

During 2026, you'll enjoy an exclusive benefit: you'll be able to access your money whenever you need it, with no fees or penalties for early withdrawal.

From 2027 onwards, reimbursements or early withdrawals will be subject to the liquidity conditions established for the product.

A single contribution starting from €3,000 to launch your plan.
Option to purchase multiple insurance policies under the Suma+ Savings Plan.
Your fund grows with an assigned individual interest rate, which is defined and communicated quarterly.

After 5 years, we reward your commitment with a 15% loyalty bonus on the assigned interest.
If you continue for the full 10 years, your loyalty bonus will increase to 20% of the assigned interest.
In addition, at each milestone, we apply a retroactive adjustment to your fund so that your savings reflect this improvement from day one.

A 10-year life savings insurance plan with automatic five-year renewals.
Access your savings whenever you need them, with the option of full withdrawal, subject to the product's terms and conditions.
The peace of mind of life cover always included: 1.1% of the accumulated savings, or €10,000 up to age 79 (€1,000 from age 80 onwards).

cover

The power of taking care of each other: much more than savings

The value of our community shows when you need it most. That's why we offer you the option to complement your plan with covers that protect you and your loved ones.

Included cover

The certainty that, if you pass away, your beneficiaries will receive 100% of your accumulated fund plus an additional capital of 1.1%, or €10,000 up to age 79 (and €1,000 from age 80 onwards).

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