Creand Life Consumer Financing

Creand Life Consumer Financing is a life insurance policy which, in the event of the death or total and permanent disability of the insured person, pays compensation to the beneficiaries equivalent to the debts (credits, loans, etc.) that the insured person has in bank accounts with Creand Crèdit Andorrà at the time of the claim.


Product taken out with CA Vida Assegurances, SA
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CREAND Vida Financament Hipoteca 768x432

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Features

  • With this insurance, you will have the peace of mind of not leaving behind any debt that could jeopardise the future of your loved ones.
  • For people aged between 18 and 75 (both inclusive).
  • Account holder or joint account holder who has or wants to take out a loan or credit.

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Advantages

  • Tailored insured capital: The capital insured is equivalent to the debit balance of the insured person’s accounts with the bank.
  • Total peace of mind: The insurance guarantees that your closest family members will not have to bear the burden of your debts.
  • Savings: The cost of the insurance premium paid is proportionate to the debit balance insured, so the premium decreases as the loan and credit is repaid.
  • Free medical check-up: In the event that the insurer’s risk assessment requires a medical examination, this will be borne by the company.

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Benefits

  • The maximum capital that can be insured is equivalent to a debit balance of up to €1,200,000.
  • The cost of the premium is proportionate to the debit balance insured, so the premium decreases as the loan is repaid.

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In the event of a claim

Beneficiaries must report the circumstances giving rise to the claim within 90 days from the date on which they occurred.

 

In the event of the total permanent disability of the insured, a medical certificate must be presented specifying the reason or illness causing the disability and a certificate from the CASS that specifies the percentage of disability.

 

In the event of the death of the insured, a death certificate from the Civil Registry must be presented.

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In the event of a claim

Beneficiaries must report the circumstances giving rise to the claim within 90 days from the date on which they occurred.

 

In the event of the total permanent disability of the insured, a medical certificate must be presented specifying the reason or illness causing the disability and a certificate from the CASS that specifies the percentage of disability.

 

In the event of the death of the insured, a death certificate from the Civil Registry must be presented.

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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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