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  • Low risk
  • High risk

The summary risk indicator is a risk level guide of this product as compared to other products. It shows the probabilities of the product losing money due to the evolution of the markets or because it might not be possible to provide the service agreed.


UNIRENTAS CAPITAL: The risk indicator assumes that you will keep the product for 15 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.

UNIRENTAS PATRIMONIO 50 Y UNIRENTAS MIXED: The risk indicator assumes that you will keep the product for 18 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.



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Peace of mind

Receive a constant periodic annuity for the rest of your life if you are over 60 years of age.

Inheritance Planning

Allows you to decide how to bequeath part of your estate to your beneficiaries.

Fast and easy processing

No health surveys or medical exams.

Guaranteed interest rate (1)

For all available types of life annuity.(2)




You can choose between four different types of annuity based on the assets your beneficiaries acquire following death: Unirentas Capital, Unirentas Patrimonio 50, Unirentas Mixed and Unirentas Life Pension.


Once you pay the initial single premium contribution, you begin to receive the income from the first month, with no surprises or variations in the amount according to market conditions.

Contracting process

To apply for  savings insurance Life Annuity, you can come to  any of our Unicaja Banco branches, where we will be delighted to attend you.


If you prefer, you can also apply for the savings insurance  Life Annuity by filling out the application form and indicating at which branch you would like it to be processed. We will contact you shortly.


Remember that if you have any questions or queries, you can call our customer service team: +34 952 07 62 63.

Financial and tax returns

For all types, the percentage of taxable income is lower according to your age**, based on the following age groups:

  • 60 to 65 years of age: 24% of income subject to taxation.
  • 66 to 69 years of age: 20% of income subject to taxation.
  • Over 70 years of age: 8% of income subject to taxation.

Tipos de Rentas Vitalicias

The insurance policy Unirentas Patrimonio 50 and Unirentas Mixto allows for a complete surrender (3) of the policy if needed. The amount surrendered will be the lesser of the following values: single premium, mathematical provision, market value of the related investments or death benefit. In any event, this amount will carry a corresponding withheld amount for the purposes of the Personal Income Tax (IRPF).

The Unirentas Patrimonio 50 insurance provides you a lifelong annuity at a guaranteed interest rate (1) based on an initial contribution from € 20,000.


In the event of death, the beneficiaries assigned in the policy shall receive a capital (1) that will gradually decrease each year by 5 % of the initial sole premium, until reaching the last 50 % of that premium.


The following link allows you to download the document with the fundamental data:

Unirentas Patrimonio 50 Unicorp Vida

With Unirentas Mixed, receive your life annuity with a guaranteed rate of return (1) from an initial contribution as low as €20,000.


In the event of death, the designated beneficiaries on the policy will receive a sum (1) that will decrease by 20% of the initial one-time premium every 5 years, until reaching the last 20% of such premium.


Download the key information document using the following link:

Unirentas Mixed Unicorp Vida

With Unirentas Life Annuity, receive your life annuity with a guaranteed rate of return(1) from an initial contribution as low as €20,000.


No surrendering and no additional allowance in the event of death.

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Digital Banking

Access your Unicaja Banco accounts and products from your computer. The perfect tool to help you manage your daily finances.   


Mobile Banking

Immediate access to your Unicaja Banco accounts and products. Consult and start banking, wherever you are.   

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