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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.
CONSERVATIVE: The risk indicator assumes that you will keep the product for 2 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
MODERATE: The risk indicator assumes that you will keep the product for 3 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
DYNAMIC: The risk indicator assumes that you will keep the product for 6 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
AGGRESSIVE: The risk indicator assumes that you will keep the product for 6 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
Savings insurance (1) that allows you to accumulate capital comfortably and flexibly.
Tailored to you
We have the investment that best fits in with this moment of your life and timescale.
Achieve higher returns by assuming the investment risk.
You can reclaim all or part of your principal at any moment with no penalty fee.
To have the chance of earning a greater return, you need to accept greater risk.
Past performance is not indicative of future results.
With Univida Selection Savings Insurance you can save capital through periodic and/or extraordinary contributions from €50 per month. You can also make a single premium payment when taking out savings insurance.
You choose the right time to redeem your savings according to your own interests, although we recommend a term length of at least 3 years.
Capital will be redeemed at market value, withholding the relevant IRPF tax amount. In the event of death, beneficiaries will receive additional capital on top of that saved**.
You can choose between more or less risky investment portfolios and exchange them for another, whenever you want, depending on your needs and expected return and risk.
To contract the Univida Selection Savings Insurance policy, you can go to any of our Unicaja Banco branches, where we will be delighted to attend you.
If you prefer, you can also apply for Univida Selection Savings Insurance by filling out our 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)You are about to buy a complex product that may be difficult to understand.
(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) In the event of partial surrender, the following requirements must be met: minimum amount of €1,000, maximum amount of 70% of the accumulated fund. The remaining accumulated fund should not be less than €3,000.
(*) The insurance company does not guarantee any interest rate or return. The value of the assets is subject to fluctuations in the financial markets and is beyond the control of the insurance company.
(**) 5 % of net contributions made until the first day of the month in which Unicorp Vida accredits the insured person's death, with limits established in the policy.
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