Creand Flexible Indexed Plan

The Creand Flexible Indexed Plan is a savings solution that allows you to seek returns through investment in leading international indices, with the option to choose the term based on your objectives and needs.

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Characteristics

This insurance allows you to plan your savings with a term tailored to your goals and with flexible contributions, so you can grow your savings at your own pace:

  • Savings grow through convenient periodic contributions1 (monthly, quarterly, semiannually, or annually) and one-off contributions (with a minimum amount of €300).
  • Flexibility to modify or suspend periodic contributions2.
  • Death cover of up to €10,000.3
  • The product invests in sustainable companies. According to the data provider Clarity AI, this product shows savings in CO2 emissions when measured against the benchmark.
1 The minimum total amount of periodic contributions must be €600. 2 From the first year onwards, if the accrued benefits are less than €600, the policy will automatically be terminated. 3 €10,000 up to age 49, €5,000 from age 50 to 54, €2,000 from age 55 to 59, and €1,000 from age 60 until maturity.

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Advantages

  • Flexible term: the client can choose the term for their savings, from 5 to 20 years, depending on the objective they have set.
  • Indexed investment: invest in investment funds that replicate recognised stock market indices, taking advantage of market efficiency.
  • Double protection: in addition to a death benefit of up to €10,000, it offers an additional death and disability benefit for the client to choose.
  • Loyalty bonus: upon maturity, and provided you have met the requirements, you will be entitled to a bonus on your accumulated savings, in recognition of your loyalty and consistent saving.
  • Creand Solvency. We highlight the group's solvency and national leadership, which provide clients with additional confidence in the product's safety and stability.

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Redemption

  • Product redeemable at any time with a 1% penalty on the redeemed capital.
  • The redemption value corresponds to the value of the accrued benefits at the time of redemption.
  • During the 2 years prior to maturity, the redeemed capital will not be subject to any penalties.

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Maturity

In this type of savings life insurance, the policyholder assumes the investment risk. None of the three investment options of the Creand Flexible Indexed Plan has any guaranteed capital or interest. Therefore, the amount to be received depends on fluctuations in the financial markets, which are beyond the control of CRÉDIT ASSEGURANCES, SAU, and no minimum return is guaranteed. Historical results are not indicative of future results.

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Maturity

In this type of savings life insurance, the policyholder assumes the investment risk. None of the three investment options of the Creand Flexible Indexed Plan has any guaranteed capital or interest. Therefore, the amount to be received depends on fluctuations in the financial markets, which are beyond the control of CRÉDIT ASSEGURANCES, SAU, and no minimum return is guaranteed. Historical results are not indicative of future results.

 

 

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FAQ

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

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