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Peace of mind
A PIAS (Systematic Individual Savings Plan) savings insurance(1) which allows you to accumulate capital for a future life annuity.
Total liquidity
You can surrender all or part of your capital (2) at any moment with no penalty fee.
Tax benefits(3)
Return on your savings exempt from taxation.(3)
Guaranteed interest rate
Reviewable by calendar quarter.
With the Uniahorro Systematic Savings insurance policy you can save flexibly with periodic and/or extraordinary contributions from €30 per month. At the end, you can convert the accumulated capital into a life annuity without having to pay tax on the returns.
In the event of death, the beneficiaries will receive additional capital in addition to the capital saved, consisting of 2% of this capital up to a maximum of €12,000.
To take out a policy for Uniahorro Systematic Savings Insurance, come to any of our Unicaja Banco branches, where we will be delighted to help you.
If you prefer, you can also apply for Uniahorro Systematic Savings Insurance filling out the application form and indicating at which branch you'd like to process it. We will contact you shortly.
Remember, if you have any questions or queries, you can call our customer service team: +34 952 07 62 63
(1) 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.
(2) Surrender in 30 calendar days from the effective date of the policy.
(3) Based on tax legislation in force. Future modifications of this tax legislation may change this feature.
(*) Minimum savings accumulation period is set at 5 years and can continue until the insured individual turns 80 years old. The maximum annual contribution allowed is €8,000, with a maximum total contribution of €240,000 over the entire accumulation period.
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