Avanza Previsión

What Avanza Previsión does

Avanza Previsión, Compañía de Seguros, S.A. is a Spanish insurance company headquartered at C/ Villanueva 11, Madrid, founded in 1934 and operating as a subsidiary of Grupo Mutualidad Abogacía. Originally the insurance vehicle for Spain's engineering profession via its Mutualidad de la Ingeniería heritage, the company has since broadened its target market to individuals, families, businesses, self-employed professionals, seniors, and professional collectives across Spain. It is registered as insurance entity C-0809 under the supervision of the DGSFP, the Spanish insurance and pension funds regulator.

The company's core offering is organized into three product families: Personal Savings (Ahorro Flexible, Ahorro Plus 2/3/5, PPA insured pension plans, PIAS systematic savings, and Renta Vitalicia Remunerada lifetime annuities), Entity Savings (corporate variants of the savings products plus the Plan de Previsión Social Empresarial), and protection products (Seguro Avanza Vida life insurance and Seguro Individual de Accidentes accident insurance). The technology backbone comprises a website-based private client area, a dedicated insurance-mediator portal, iOS and Android mobile applications, and supporting marketing automation (HubSpot) and analytics (Google Analytics) integrations, with compliance to GDPR, LOPDGDD, WCAG 2.1 AA, and Real Decreto 1112/2018.

Revenue is generated primarily through recurring insurance premiums on savings and life products (subscription-style contributions with periodic and extraordinary top-ups), supplemented by annual accident insurance premiums. Distribution is multi-channel: an insurance mediator network with formal professional-college agreements, direct online sales and self-service via the private area and mobile apps, phone-based advisory (910 605 696), and content marketing through the #AseguraTuFuturo blog. In 2026 the company reported 29.51% growth in managed savings in the life insurance sector and signed a collaboration agreement with the Colegio Oficial de Ingenieros Industriales de Andalucía Occidental.

Name

Avanza Previsión

Legal name

AVANZA PREVISIÓN, COMPAÑÍA DE SEGUROS, S.A.

Website

https://avanzaprevision.com

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

11–50 employees

Short description

Avanza Previsión, Compañía de Seguros, S.A. is a Madrid-based insurance subsidiary of Grupo Mutualidad Abogacía offering savings insurance (Ahorro Flexible, Ahorro Plus, PPA, PIAS, Renta Vitalicia), life insurance, and accident insurance to individuals, businesses, self-employed professionals, seniors, and professional collectives across Spain via mediator and digital channels.

Ownership category

akta.pro rank

Product category

Life & Savings Insurance

NAICS

Finance and Insurance (52), Pension Funds (525110)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)

akta.pro secondary industries

Immediate Income Annuities (SPIA) (FSAIACAE), Retirement Income Planning & Decumulation Advisory (FSAEABAD)

Keywords

• Savings insurance
• Life insurance
• Accident insurance
• Pension plans
• Retirement planning

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Savings Insurance Premiums: Collection of insurance premiums from various savings products including flexible savings, savings plans (Ahorro Plus), PPA (Plan de Previsión Asegurado), PIAS (Plan Individual de Ahorro Sistemático), and Renta Vitalicia Remunerada. These are recurring premium products with both periodic and extraordinary contribution options.
2. Life Insurance Premiums: Collection of premiums for life insurance products (Seguro Avanza Vida) providing coverage for death and protection for families.
3. Accident Insurance Premiums: Annual accident insurance premiums providing economic protection in case of accidents, with competitive rates and coverage for death and permanent/total disability.
4. Corporate/Entity Savings Plans: Savings products designed for businesses, self-employed professionals, and enterprises including Social Prevision Plans (Planes de Previsión Social Empresarial).

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Avanza Previsión provides savings insurance (flexible and multi-year commitment savings plans, PPA, PIAS, and lifetime annuities), life insurance, and individual accident insurance. Offerings are structured for personal customers, self-employed professionals, legal entities, professional colleges, and members of alternative social security systems.

Product overview

Avanza Previsión is a savings and insurance company belonging to the Grupo Mutualidad (Mutualidad de la Abogacía). The company offers a comprehensive portfolio of savings and protection products organized into three main categories: Personal Savings (Ahorro Personal), Entity Savings (Ahorro Entidades), and Other Insurance. Personal Savings includes flexible savings products (Ahorro Flexible), fixed-term savings plans (Ahorro Plus 2/3/5), pension plans (PPA), systematic savings plans (PIAS), and lifetime annuities (Renta Vitalicia Remunerada). Entity Savings offers business-tailored versions of the same products plus corporate pension plans (Plan de Previsión Social Empresarial). The Avanza Senior line provides specialized savings for seniors. Additional protection products include life insurance (Seguro Avanza Vida) and individual accident insurance (Seguro Individual de Accidentes). The company also provides digital services through a private client area and mobile app for fully online policy management.

Differentiator

Problem solved

Functional benefit

Products and services

• Ahorro Flexible Flexible personal savings insurance that lets the customer choose the contribution amount and the frequency of additional extraordinary contributions.
• Ahorro Plus 2 Personal savings insurance with a 2-year commitment period, designed for short-term savings goals.
• Ahorro Plus 3 Personal savings insurance with a 3-year commitment period, balancing flexibility and higher returns.
• Ahorro Plus 5 Personal savings insurance with a 5-year commitment period, designed for medium-term savings goals.
• PPA (Pensión Asegurada) Insured Pension Plan providing retirement income with tax advantages for personal savers.
• PIAS (Plan Individual de Ahorro Sistemático) Individual Systematic Savings Plan that enables tax-efficient savings through periodic contributions.
• Renta Vitalicia Remunerada Lifetime annuity product that delivers periodic income to the policyholder, suitable for retirement income planning.
• Ahorro Flexible Entidades y Autónomos Flexible savings insurance tailored to entities (legal entities) and self-employed professionals.
• Ahorro Plus 2 Entidades 2-year commitment savings insurance for entities and self-employed professionals.
• Ahorro Plus 3 Entidades 3-year commitment savings insurance for entities and self-employed professionals.
• Ahorro Plus 5 Entidades 5-year commitment savings insurance for entities and self-employed professionals.
• Plan de Previsión Social Empresarial Corporate Social Welfare Plan that allows companies to channel employee benefits contributions in a tax-efficient way.
• Ahorro Flexible Senior Flexible savings insurance adapted to the needs of senior policyholders, allowing retirement-stage savings with no contribution age limit.
• Seguro Avanza Vida Life insurance that provides coverage in case of death and includes complimentary burial assistance and digital will services.
• Seguro Individual de Accidentes Individual accident insurance that offers 24/7 worldwide coverage for death, permanent disability, temporary disability, hospitalization and fractures.

Segments5 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Colegio Oficial de Ingenieros Industriales de Andalucía OccidentalcoreStrategic or Co-development Partner · 1 January 2026Avanza Previsión signed a collaboration agreement with the Official College of Industrial Engineers of Western Andalusia. The agreement provides the professional collective with alternatives for wealth management and personal coverage through Avanza Previsión's savings and insurance products.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Santalucía: Santalucía is a Spanish insurance specialist focused on life, savings, accident, and protection products for households and businesses. It is one of the closest direct competitors to Avanza Previsión in Spanish retail savings and life insurance.
• Mutua Madrileña: Mutua Madrileña is a Spanish mutual insurer offering life, savings, accident, and protection products. Its mutual structure and broad retail/savings book closely parallel Avanza Previsión's model within Grupo Mutualidad Abogacía.
• Caser (Caja de Seguros Reunidos): Caser is a Spanish mutual insurance group offering life, savings, health, and accident products. Its mutual heritage and product breadth in savings and retirement make it a directly comparable peer to Avanza Previsión.
• FIATC Mutua de Seguros: FIATC is a Spanish mutual insurer offering life, savings, health, and accident products. Its mutual structure, Spanish-only footprint, and similar savings-plus-protection positioning make it a comparable peer to Avanza Previsión.
• Pelayo Mutua de Seguros: Pelayo is a Spanish mutual insurer with savings, life, and accident products for individuals and families. Its mutual heritage and Spanish-only distribution directly parallel Avanza Previsión's structure within Grupo Mutualidad Abogacía.

Broad incumbents

• Mapfre: Mapfre is Spain's largest incumbent insurer with a broad portfolio including life, savings, and accident cover. As a dominant Spanish incumbent, it competes for the same retail savings and life-insurance customers that Avanza Previsión targets.
• Generali España: Generali España is the Spanish subsidiary of the global Generali Group, offering life, savings, and accident products. It overlaps with Avanza Previsión in the retail life/savings category but operates as part of a much larger global portfolio.
• Zurich Seguros España: Zurich Seguros offers life, savings, and accident insurance in Spain as part of the global Zurich Insurance Group. It is a broad incumbent peer competing for the same individual and corporate savings customers as Avanza Previsión.
• VidaCaixa (CaixaBank Seguros): VidaCaixa is the life and savings insurance arm of CaixaBank and Spain's leading life insurer by premiums. It competes directly for the same retail savings, PPA, and life-insurance customers that Avanza Previsión targets, but at significantly greater scale.

Regional players

• Seguros Bilbao: Seguros Bilbao is a Spanish insurance company offering life, savings, and accident cover with a strong presence in the Basque Country and northern Spain. Its product mix overlaps with Avanza Previsión, although its geographic and distribution profile is more regionally concentrated.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AvanzaPrevision
• Facebookfacebook.com/AvanzaPrevision
• LinkedInlinkedin.com/company/avanza-prevision
• Instagraminstagram.com/avanzaprevision

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Avanza Previsión