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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 15 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
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.
Peace of mind
Receive a steady, periodic income throughout your life from a one-time initial contribution.
Surrender
You can request the return of your initial premium depending on the conditions of your policy.(3)
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.
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: +34 901 24 62 46 or +34 952 07 62 63.
For all types, the percentage of taxable income is lower according to your age**, based on the following age groups:
The insurance policy Unirentas Capital, Unirentas Patrimonio 50 and Unirentas Mixto allows for a complete surrender 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.
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) as stated in the general conditions.
(2) Insurance contracted with Unicorp Vida Cia. De Seguros y Reaseguros SA. Insurance contracted through Unimediación, S.L., associated bank and insurance operator registered in the Special Administrative Registry of Insurance Brokers, Reinsurance Brokers and their senior managers, held by the Directorate General for Insurance and Pension Funds (Registration No. OV-0010), acting through the Red de Distribución de Unicaja Banco Unicaja Banco, S.A. Concerted CR Insurance in accordance with Law 26/2006 of 17 July. It has financial capacity in accordance with the legislation in force. You can find the insurance companies with which Unimediación S.L. has signed an agency contract at here.
(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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