ESTaLVI I INVERSIÓ

Creand Insured Study Plan

A plan with maximum guarantees to safeguard education costs and get ready for their studies and training.

Learn more about our Insured Study Plan

A plan designed for people who want to secure the future of their children, nieces and nephews, grandchildren or minors in their care.

You can make contributions however works best for you: regular or one-off (€100 minimum).

We make it easy for you to adjust, modify or suspend your regular contributions.

You have the option of taking out supplementary life insurance that guarantees the full (insured) capital for the beneficiary.

Product taken out with Crèdit Assegurances, SAU

Guaranteed capital. The beneficiary will have access to 100% of the contributions at maturity.
Transparency and return. We will tell you the net annual guaranteed interest rate (net of fees and expenses) at the beginning of each year.

The first redemption can be made once 2 years has elapsed since the plan was taken out.
From the second year and up to 2 years before maturity, all or part (€300 minimum) of the capital can be redeemed with a 1% penalty on the amount withdrawn. In this case, the capital will not be guaranteed.
In the 2 years before maturity, the redeemed capital will not be subject to a penalty.
Exceptionally, the capital may be withdrawn in any of the following cases:
- If you are unemployed for more than 6 consecutive months.
- If the policy holder, their partner or any of their children becomes seriously ill.
- If you leave the country.

The minimum maturity date will be the 18th birthday of the beneficiary. If the product is taken out once the child has reached the age of 14, the policy must be maintained for at least five years.
When the plan matures, the beneficiary can receive the capital as a lump sum, through an annuity, or a combination of the two.