This number is indicative of the risk of the product, with 1/6 indicating low risk and 6/6 high risk.
Risk score related to the insurance
Plan your future life annuity from €30 a month
Peace of mind
A PIAS (Systematic Individual Savings Plan) savings insurance¹ which allows you to accumulate capital for a future life annuity.
Total liquidity
You can surrender all or part of your capital² at any moment with no penalty fee.
Tax benefits
Return on your savings exempt from taxation³.
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, beneficiaries will receive an additional capital sum** to the sum saved amounting to 2% of the latter up to at most €12,000 within the limits set forth in the policy.
It is an insurance that helps you save money for the future. If you decide to use that money as monthly lifelong income and your Systematic Individual Savings Plan (PIAS) has been in place for five years or more, you can convert it into a life annuity provided you meet the subscription requirements.
It offers a guaranteed interest rate that is reviewed on a quarterly basis in keeping with the market.
The Systematic UniSavings insurance allows you to save from €30 a month. You can make regular contributions (each month for example) or specific contributions (whenever you want).
This flexibility helps you tailor your savings to your personal situation without having to make a large payment at the beginning.
By law, there some limits for a Systematic Individual Savings Plan (PIAS):
An additional sum amounting to 2% of the capital sum is paid out up to a maximum of €12,000 (€600 if the insured party is over 65 years old or suffers from health problems).
Yes, you can move your money from one Systematic Individual Savings Plan insurance to another, either entirely or partially, without paying any fees or taxes.
For instance, if have a Systematic UniSavings insurance, you can change it for another Systematic Individual Savings Plan whenever you need to.
This allows you adapt your investment if your needs or the market change without losing out on the length of time you have already achieved.
This insurance offers two important benefits:
You can go to any Unicaja Banco branch to take out the Systematic UniSavings, where we will be delighted to help you out.
Another option is filling in the application form, indicating the branch where you would like it to be processed. We will then get in touch with you shortly.
If you have any queries, call us at +34 952 60 67 67 and one of our Customer Service staff members will be pleased to help you out.
Insurance taken out with Unicorp Vida Cia. de Seguros y Reaseguros S.A. through Unicaja Mediación, 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 Unicaja Mediación, S.L.U. has entered into agency agreements with at www.unicajabanco.es/seguros.
(1) You are about to acquire a product that is not simple and may be difficult to understand.
Premiums: maximum of €8,000 per year and a total of €240,000. At least five years from the first unused premium are required for redemptions to create a life annuity. The income thus generated may be tax exempt. Immediate life annuity incomes are taxed as investment income according to the prevailing percentages. If it is entirely or partially redeemed beforehand, the tax exemption is lost.
(2) Surrender in 30 calendar days from the effective date of the policy. At least a further 30 calendar days between redemptions must elapse for any new redemptions. The partial redemption will be limited according to the policy's terms and conditions.
(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.
(**) Additional capital limits:
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).
