Collective pension plan

If you want to take care of your employees’ future

Discover the tailor-made solution to take care of your employees’ future when they retire.

  • Tailored to your business

    Adaptable to your employees’ characteristics and investment profile.

  • Flexibility

    You will be able to change the amount and method in which you pay your contributions with total agility.

  • Tax efficient

    If your employees reside in Andorra, they will be able to deduct up to 5,000€ annually from their contributions’ IRPF (PIT) tax base.



  • Mora Assegurances Collective pension plan is a savings and retirement product that allows your employees to obtain capital or income when they retire.
  • Your company signs a pension plan framework contract, to which your workers subscribe during their active working life in order to supplement their state pension.
  • You can choose to make the contributions yourself or let the employee make them directly, in accordance with the corporate pension plan’s specified conditions.
  • Both employee and company enjoy tax benefits. The employee will be able to deduct up to 5,000€ annually from their contributions’ IRPF (PIT) tax base. In the meantime, your company can deduct the pension payments in turn as staffing costs when paying corporate tax.
  • It includes life insurance that covers the insured person’s death or total and permanent disability before the plan’s maturity.
  • In the case of death of the insured person, the policy beneficiary will receive the accumulated capital along with the yields obtained to date plus 100%, 50% or 10% (depending on the chosen percentage) of the sum of the pending periodic contributions. In case of disability, the future contributions would be borne by Mora Assegurances, in accordance with the chosen coverage policies.


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