October 2014
Who we are
PréstamoVida is the only company dedicated to the
granting of insurance policy loans in the Spanish
market.
It ...
3
Vision, mission, values
Vision
• Market pioneer in Spain. Aspires to maintain that
position in the future through its cl...
Competitive
technological
platform
Marketing &
intermediation
services
Focus:
customers
with
liquidity
needs
Business-
to-...
PréstamoVida offers customers with
a life insurance and savings policy as
well as an annuity to obtain a policy
loan over ...
Customer
needs
Product features Added value
Simple, innovative and competitive product
6
Attractive USP for client
Alterna...
• “Assurbanking” product
• Loyalty and retention of clientele
• Reduces fall of portfolio
• Avoids selling of assets prema...
• “Assurbanking” product
• Novel, simple and competitive product
• Loyalty and retention of clientele
• Avoidance of contr...
9
Thank you very much
for your attention.
www.prestamovida.com
Confidential information property of PréstamoVida, S.L.
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Presentación Corporativa PréstamoVida - octubre 2014

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PréstamoVida es la única entidad especializada en otorgar préstamos sobre pólizas de seguros del mercado español.
Cuenta con el apoyo importante de Cofidis - www.cofidis.es - con 1,5 millones de clientes, 750 colaboradores y 20 años de experiencia en España.
Se dirige a clientes con una póliza de seguro de ahorro y de renta individual y que se enfrenten a una necesidad temporal de liquidez.
Más de 6 millones de clientes poseen una póliza de éstas características en España.

Publicado en: Economía y finanzas
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Presentación Corporativa PréstamoVida - octubre 2014

  1. 1. October 2014
  2. 2. Who we are PréstamoVida is the only company dedicated to the granting of insurance policy loans in the Spanish market. It has the important support of Cofidis - www.cofidis.es with 1.5 million clients, 750 employees and 20 years experience in Spain . Targets customers with a life insurance and savings policy as well as an annuity and who face a temporary liquidity need. More than 6 million consumers in Spain own a policy with these features. 2
  3. 3. 3 Vision, mission, values Vision • Market pioneer in Spain. Aspires to maintain that position in the future through its client-oriented services delivering liquidity solutions to customers with a life insurance and savings policy as well as an annuity. Mission • To be the permanent financial partner of individual customers of life and savings and retirement insurance with liquidity needs. It provides them with swift answers and low rates tailored to their needs and particular requirements. Values • Customer orientation, innovation, commitment, honesty and transparency.
  4. 4. Competitive technological platform Marketing & intermediation services Focus: customers with liquidity needs Business- to- business 4 Business model
  5. 5. PréstamoVida offers customers with a life insurance and savings policy as well as an annuity to obtain a policy loan over part of its surrender value. The financing conditions are competitive compared to other alternatives available in the market. The customer ensures loan repayment through pledge of his insurance policy. A policy is a guarantee of high quality and immediate liquidity. 5 What is a policy loan?
  6. 6. Customer needs Product features Added value Simple, innovative and competitive product 6 Attractive USP for client Alternative & competitive loan Ease of doing business Avoidance of surrender charges Maintenance of bonus Financial and tax advantages according to pledged product Maintenance of insurance cover and retirement savings Surrender and purchase of new policy more expensive Guarantee of high quality and immediate liquidity Not necessary to purchase additional products 24/7 service Web services
  7. 7. • “Assurbanking” product • Loyalty and retention of clientele • Reduces fall of portfolio • Avoids selling of assets prematurely • Positive influence on embedded value • Also on variables of Solvency II • Favourable impact on reinsurance • Additional revenues • Profitability improvement of distribution networks • Outsourcing of marginal activity 7 Multiple benefits for insurer…
  8. 8. • “Assurbanking” product • Novel, simple and competitive product • Loyalty and retention of clientele • Avoidance of contractual penalties for declines in portfolio • Additional revenues • Maintenance of commissions on portfolio • Ease of doing business 8 …and its intermediaries.
  9. 9. 9 Thank you very much for your attention. www.prestamovida.com Confidential information property of PréstamoVida, S.L.

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