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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 18 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money. It has a risk level 3.
UNIRENTAS PATRIMONIO 50 Y UNIRENTAS MIXED: The risk indicator assumes that you will keep the product for 17 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money. UNIRENTAS MIXED has a risk level 1. UNIRENTAS PATRIMONIO 50 has a risk level 3.
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 three different types of annuity based on the assets your beneficiaries acquire following death: 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.
To apply for savings insurance Life Annuity, you can come to any of our Unicaja 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.
For all types, the percentage of la renta sujeto a tributación** que se considerará rendimiento de capital mobiliario será el resultado de aplicar a cada anualidad los porcentajes siguientes:
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).
With Unirentas Capital, receive your life annuity with a guaranteed interest rate(1) from an initial contribution as low as €20,000.
In the event of death, the designated beneficiaries on the policy will receive an additional sum that is 1% of the initial, one-time premium.
Download the key information document using the following link:
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:
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:
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.
Life annuities allow one to receive a constant monthly income for life until death based on the cumulative savings invested. This means that this commitment made by Unicaja never runs out, though the sum of the amounts received may at some point in time exceed the capital initially invested.
The minimum amount to invest is €20,000 and at most 25% of the current issue may be subscribed.
Yes, you can. There is no limit whatsoever on the number of life annuities you can subscribe.
At Unicaja you can subscribe a life annuity as from the age of 60 up to the age of 85 (except in the case of the Unirentas Life Annuity, the maximum subscription age of which is 80 years).
Life annuities are clearly geared at permanence. They should therefore constitute the least liquid amount within a customer's financial planning framework. Nevertheless, all the life annuities we offer have a redemption option, except for the Unirentas Life Annuity product type. In any case, we do not recommend opting for this possibility due the tax burden and the impact on assets such a decision could have, since it would oblige the insured party to pay back all the tax exemptions applied and the policy's valuation might turn out to be less the premium invested.
A life annuity provides a three-fold tax advantage:
All products (except the Unirentas Life Annuity) assign capital to the beneficiaries or heirs. The terms and conditions will vary depending on the type of annuity and the time during which it has been received, but a minimum amount of between 20% and 50% of the premium invested will always be guaranteed.
The life annuities we currently offer invest in Spanish Government Debt. The risk assumed by the insured party is therefore minimal.
Life annuities allow one to slowly draw down the capital saved over the course of a lifetime, thereby allowing for easy administration of one's assets. It is the ideal way of covering a family unit's fixed expenses with the peace of mind of knowing they will always be covered. Moreover, they allow a family inheritance to be properly managed.
You are about to buy a complex product that may be difficult to understand.
(1) The insurance company does not guarantee any rate of return in the event of insolvency of the Spanish State (Central Government, Autonomous Communities and/or endorsed public bodies) or of other member States of the European Union as stated in the general conditions.
(2) Insurance taken out with Unicorp Vida Cia. de Seguros y Reaseguros S.A. through Unimediación, S.L.U., a related banking-insurance operator, duly registered at the Special Administrative Registry of Insurance Brokers kept by the Directorate-General of Insurance and Pension Funds (Registration No. OV-0010), acting through the Unicaja Banco, S.A. network. Third-party liability insurance taken out according to prevailing legislation. You can query the insurance companies Unimediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros
(3) It is not advisable to invest in this product if you intend to surrender it. Doing so may result in relevant losses with respect to the initial investment. Unirentas Life Annuity does not allow surrenders.
(*) Insurance may be taken out until the 25th day of the current month and you will begin to receive income at the end of the same month.
(**) Based on the tax legislation in force. Future modifications of this tax legislation may change this feature.
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Digital Banking
Access your Unicaja accounts and products from your computer. The perfect tool to help you manage your daily finances.
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