Savings and investment insurance in Andorra
Savings plans, annuities and investment-linked products.
Savings insurance combines protection and capital growth: guaranteed plans, annuities or fund-linked products.
Each product has different risk, liquidity and tax. We help you understand them; this is not personalised financial advice.
What it covers
- Guaranteed-capital plans
- Life or term annuities
- Unit-linked
- Associated death cover
- Flexible contributions and surrenders
What drives the price
- Contribution
- Term
- Risk profile
- Liquidity
- Tax
Returns on investment-linked products are not guaranteed and you may lose capital.
FAQ
Is it like a deposit?
No. It has surrender terms and sometimes market risk.
Can I surrender early?
Usually, with possible penalties.
Related guides (in Spanish)
Seguros de ahorro en Andorra: tipos, riesgos y preguntas antes de firmar
Planes de ahorro garantizados, rentas y unit linked. Cómo funcionan, qué riesgos tienen y qué preguntar antes de invertir.
Guías generalesTe mudas a Andorra: checklist de seguros para los primeros 90 días
Qué seguros necesitas al llegar a Andorra según tu situación: salud, hogar, coche, responsabilidad civil y más, en orden de prioridad.
Guías generalesCómo leer una póliza de seguro sin perderte: guía en 7 pasos
Condiciones generales, particulares, exclusiones, franquicias y límites. Aprende a revisar cualquier póliza antes de firmar.
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