Skandia México
12 products from Skandia across 3 insurance types. We help you compare and sign up.
Insurance types offered
Life insurance
Keep your family financially protected if you are no longer there.
Seguro Básico Estandarizado Skandia
Basic 5-year renewable Skandia life insurance, with no prior tests, and a sum insured of MX$100,000, MX$200,000 or MX$300,000.
- Covers death, with no additional benefits or investment.
- 5-year term, renewable.
- Sum insured of MX$100,000, MX$200,000 or MX$300,000.
- No prior tests required: just a questionnaire.
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- Annual payment; rate based on age and sex.
What they ask for to buy it
- Age to buy: 18 to 65.
- Answer the questionnaire in the application.
Life insurance with savings
Protection for your family and guaranteed savings you receive at the end of the term.
Capital Plus
Skandia life insurance with premium investment from MX$950,000, protected by a trust, with a loyalty bonus.
- Minimum initial contribution of MX$950,000 and additional contributions from MX$1,500.
- Life insurance of up to twice your balance, capped at MX$4,000,000 (from age 71 it covers 1%).
- Investment in Premium Portfolios managed by experts.
- 3.5% bonus if you stay 5 years.
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- Investment protected by a trust managed by Skandia Life.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
Capital Seguro
Skandia life insurance with investment from MX$100,000 in a trust that cannot be seized, and life insurance of up to twice your balance.
- Initial investment from MX$100,000 and additional contributions from MX$1,500.
- Life insurance of up to twice your balance, capped at MX$2,000,000 (from age 61 it covers 1%).
- Your money is held in a trust and cannot be seized.
- 2.5% bonus if you stay 3 years.
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- Personalized portfolio or premium portfolios.
- Access to your capital and tracking in the app and portal.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
- Age to buy: 18 to 70.
Crea Futuro
Skandia plan that combines savings, investment and life insurance, with monthly contributions from MX$1,500.
- Monthly contributions from MX$1,500.
- Life insurance for death or total and permanent disability.
- Estabilidad, Acciones USA and Crea Futuro portfolios.
- You can use part of your savings in emergencies.
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- Depending on the plan, no withholding on returns or deductible monthly payments.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
Crea Inversión
Skandia investment insurance with Franklin Templeton portfolios, no mandatory terms, and MX$100,000 life insurance included.
- From MX$200,000, or from MX$250,000 if you want the PPR tax benefit.
- Additional contributions from MX$1,500.
- MX$100,000 life insurance included.
- Guided or open investment, with Conservador, Estabilidad, Moderado and Dinámico portfolios.
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- No mandatory terms or withdrawal penalties.
- Your investment is held in a trust that cannot be seized.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
- Entry age: 18 to 85.
Globaltrust
Skandia investment product to grow your assets with liquidity, from MX$75,000, with premium portfolios or portfolios designed for you.
- Minimum initial contribution of MX$75,000 and additional contributions from MX$1,500.
- Anything you contribute above MX$75,000 is available according to each fund's liquidity.
- Personalized portfolio or premium portfolios.
- Financial analysis of your risk profile.
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- Keeping the investment for at least 3 years is recommended.
What they ask for to buy it
- Copy of official ID, proof of bank account, RFC or CURP, and proof of address no more than 3 months old.
- Age to buy: 18 to 70.
- Complete the individual life insurance application.
Multitrust
Skandia solution to invest and manage your assets through life insurance backed by a trust, with PPR (personal retirement plan) and Special Savings Account versions.
- Life insurance with death cover from day one.
- Premium or personalized portfolios according to your profile.
- Funds protected in a trust with clear rules.
- Versions: Multitrust, Multitrust PPR (article 151) and Multitrust CEA (article 185).
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- Contributions deductible up to 10% of your income, capped at 5 UMA, depending on the plan.
- A Financial Planner supports you, and you track your investment in Skandia Net.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
Skandia Prosperity
Skandia plan that brings together protection, investment, and estate and tax planning, with a tax exemption at retirement if you meet the requirements.
- Survival and death covers, with additional accidental death.
- Tax deferral on returns while the policy is active.
- Full exemption at age 60 after 5 years in the plan (article 93 of the Income Tax Law).
- Efficient transfer of wealth to your beneficiaries.
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- A personal Financial Planner and a multidisciplinary team.
- Administrative annual fee of up to 15 UMA and maintenance of up to 0.55% a year.
What they ask for to buy it
- Be Mexican or a resident of Mexico.
- Entry age: 18 to 85.
Visión Flex
Skandia life insurance with flexible savings from MX$2,000 a month, with access to 25% of your savings from the first year.
- Minimum contribution of MX$2,000 a month.
- Access to 25% of your savings for emergencies from the first year.
- Life insurance from MX$100,000 (maximum MX$2,000,000), with early payment for total and permanent disability.
- Savings protected in a trust that cannot be seized.
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- Estabilidad, Moderado, Moderado en Dólares, Dinámico and Especulativo portfolios.
- Direct debit payments from a CLABE account or a Visa or Mastercard card.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
Retirement plan
Save for retirement at your own pace, with protection along the way.
Cuenta Especial para el Ahorro
Skandia Special Savings Account: your contributions give you tax relief, and you can combine it with a Personal Retirement Plan.
- Tax benefit for your contributions (you have until April to contribute).
- Tax deferral on your savings and their interest.
- Can be combined with the Plan Personal de Retiro for a double tax benefit.
- Funds from several managers selected by Skandia.
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- Direct debit payments and tracking in Skandia Net.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
- Age to buy: 18 to 70.
Plan de Pensiones Skandia
Skandia pension plan for companies: supplementary retirement savings for your employees, with tax benefits.
- Defined benefit scheme: the company provides the retirement funds.
- Defined contribution scheme: employees and the company both contribute.
- The company deducts its contributions.
- Employees can deduct theirs through a Plan Personal de Retiro.
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- Returns exempt from income tax while they are reinvested.
- Investment in funds and mandates with several managers.
What they ask for to buy it
- Contact Skandia's institutional team through your agent.
Plan Personal de Retiro (PPR) Skandia
Skandia personal retirement plan: you save for retirement with deductible contributions while your money is invested in diversified portfolios.
- Contributions deductible up to 10% of your annual income, capped at 5 UMA.
- Option to defer taxes.
- From MX$30,000 if you want the tax benefit.
- Additional contributions from MX$1,500.
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- Personalized portfolio or Skandia premium portfolios.
- You receive your savings when you retire, usually from age 60 or 65.
What they ask for to buy it
- Official ID, RFC (tax ID), proof of address and bank statement.
Get a quote with Skandia
Message us on WhatsApp from anywhere in Mexico and we will reply during office hours with options from several insurers.