CrèditPla Pensions Assegurat

CrèditPla Pensions Assegurat allows you to save conveniently and obtain an annual guaranteed return.

Characteristics

CrèditPla Pensions Assegurat is intended for retirement and complies with the requirements of personal income tax legislation. Not only does it help you to save progressively for retirement, so you can maintain a similar standard of living to when you were working, but the contributions you make during the year are tax-deductible.

 

The plan allows you to obtain income in addition to the Caixa Andorrana de Seguretat Social (CASS) pension, so that you can enjoy retirement without worries.

  • The plan allows you to save by means of easy regular payments (monthly, quarterly, half-yearly or yearly) or one-off contributions (with a minimum amount of 100 euros).
  • It offers very flexible options for adjusting, modifying or suspending regular contributions.
  • In the event of death the plan guarantees the beneficiaries the balance of the policy plus 5% of this amount, up to a maximum of 600 euros.

Advantages

  • Protection of capital. 100% of your contributions guaranteed at maturity (capital guaranteed at maturity of the product)
  • Profitability with maximum transparency. We offer you a guaranteed annual net interest rate (free of commission and other charges). You will be informed of this interest rate at the beginning of each year. Profitability will be determined annually in accordance with market conditions.
  • Contributions are tax-deductible up to the maximum allowed by law.

Redemption

This is a non-liquid product; i.e. it cannot be redeemed until it matures, except in the following cases:

  • If the policyholder is unemployed for more than 24 consecutive months.
  • If the policyholder is affected by a serious illness (sick leave for more than 12 months).
  • If the policyholder transfers his/her tax residence outside the country.

Maturity

The plan guarantees a single capital amount comprising the contributions made plus the sum of the interest obtained each year. When the plan matures, the insured may decide how to receive the amount due:

 

Single payment: a single payment at the time of retirement.

Income: to be determined by the policyholder on the maturity date.

Combination of capital plus income.

Maturity

The plan guarantees a single capital amount comprising the contributions made plus the sum of the interest obtained each year. When the plan matures, the insured may decide how to receive the amount due:

 

Single payment: a single payment at the time of retirement.

 

Income: to be determined by the policyholder on the maturity date.

 

Combination of capital plus income.

FAQ

If you have questions about our products, take a look at the answers to frequently asked questions in this section.

Calculate your pension

Do you want to know what income you will receive when you retire?

In three simple steps you can see what you need to do to reach the level of retirement income you want and obtain a personalised report with a simulation and details of our savings products.