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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.
Choose the investment portfolio you prefer and change it according to your needs.
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.
You are about to buy a complex product that may be difficult to understand.
(1) 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 here.
(*) 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.
Maximise your savings in a flexible way, keeping the security of your future retirement in mind.SEE PENSION PLANS
Discover how far your investment can go with the fund that best suits your profile and interests. To have the possibility of obtaining greater profitability, it is necessary to undertake higher risks. Past performance is not a reliable indicator of future yields.SEE INVESTMENT FUNDS
For Unicaja Banco S.A., the holder of the web page, it is important to adapt to your tastes and preferences, for which we use own and third-party cookies, that gather connection data that may be linked to your registration user name, the purpose of which is to measure traffic and user interaction with the web page, to help to improve operation of the web content, as well as the services and products offered, preparing behaviour profiles, while always protecting your privacy. You may transparently choose the configuration that suits you best, without that causing any change in your usual operations.