Risk level
1/6 This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Liquidity alerts
Reimbursement, redemption or early repayment of part or all of the principal amount invested is subject to fees or penalties.

Plan Junior

Save and protect your future

The Plan Junior is a savings and protection solution that will allow the youngest members of the household to build a capital for their future, so that nothing can stop them. This insurance product is aimed at minors who are related to the policyholder.

If you have children, grandchildren, godchildren or are the guardian of a child or children and you want them to receive the needed boost to allow them to fulfil their dreams, what are you waiting for?

Excellent return
Profitability on account at the end of 2023. 3.45% pending approval by the 2024 General Assembly. Past returns do not imply future returns.

Do you want to know if you are eligible to become a member of Mutualidad?


Find out how easy it is to save with the Plan Junior

Thanks to this Plan Junior, family and friends will be able to make regular and/or one-off contributions whenever they want to help with future savings, always bearing in mind that any contribution, no matter how small, will be much higher when they receive it.

With just a regular contribution of €60 per month for 15 years, you can save almost €16,000.

This percentage will remain unchanged throughout the life of the insurance policy, except in Navarra, where it will be updated as the member reaches the age of majority.

The withholding tax rate in force at the time shall be applied to the calculated yield.

Check it out in this table by age range
Estimated final capital for a regular contribution of €60 per month
Duration of the Plan Junior in yearsEstimated capital*
10 years€9,293.08
15 years€15,947.36
20 years€24,327.15
25 years€34,792.92
*Estimated capital with an average annual return of 3% and an annual growth of contributions of 3% accumulated. Amounts expressed in euro.

Your benefit. Total flexibility

When the maturity date of the Junior Plan arrives, there is total flexibility to receive the capital according to your needs: you can get it all at once or periodically, as if it were an annuity.

Niña con cohete


When choosing your cover, you can decide whether you want savings only – which includes a minimum death benefit -, risk only or savings and risk. In any case, the savings cover always includes a basic death guarantee which guarantees a payment to the savings system of 10% of the accumulated balance at the end of the month prior to death (unless the senior member is over 65 years old, in which case 1.1% will be paid).


The Plan Junior has advantages over other alternatives in the youth sector, such as children’s savings books and savings insurance.

What do I need to do to take out the policy?

If you are already a member, you can apply for this product by logging into your user area.

If you are not yet a member, you can sign up for this product by downloading and completing the application form.

Need help?

We are at your disposal to answer any questions you may have about this product and its contract, do not hesitate to contact us.

Frequently Asked Questions

What is the minimum and maximum age for contracting the Plan Junior?

There is no minimum age for taking out the Plan Junior; in other words, you can take it out from the moment the child is born. However the Plan Junior cannot be taken out after the age of 25.

Can Savings and Risk cover be taken out together?

The Plan Junior offers total flexibility to take out both Savings and Risk cover at the same time or, if you prefer, only the one you need. you decide!

How can I receive the accumulated balance after the maturity date?

The Plan Junior allows you to receive the money in the following ways:

  • All capital at once.
  • In the form of financial income up to the age of 30.
  • A combination of the two above.
  • Transfer the entire balance to another Mutualidad Plan.

At the same time, it offers the possibility of receiving payments without a monthly periodicity, always maintaining a remaining balance, with a yield payment up to a maximum of 30 years.

What happens to the accumulated balance after 30 years?

The balance would be transferred to a Plan Universal de la Abogacía that the Mutual Society would open for the same member.

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