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How does a Unit-Linked savings insurance policy work?

It permits you to choose among several investment baskets in which to invest, allowing you to change your investment basket at any time depending on your return and risk needs, expectations and preferences. 

 

The product allows you to make both total and partial redemptions (1). Drawdowns are always made at market value. The redemption amount will be subject to the corresponding personal income tax withholdings. 

 

Moreover, in the event of death, the beneficiaries designated in the policy will receive a capital amount in addition to the savings (2).

 

(1) In the event of a partial redemption, the following requirements must be met: Minimum amount of €1,000, maximum amount of 70% of the cumulative fund and the remaining cumulative fund may not be less than €3,000.
(2) 5% of the net contributions made until the first day of the month in which Unicorp Vida is certified of the insured party's death, within the limits set forth in the policy.

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