From €50 per month
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 contribution when taking out the savings insurance.
- 1
- 2
- 3
- 4
- 5
- 6
- 7
- Low risk
- High risk
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.
INVESTMENT 10: 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.
INVESTMENT 30: 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.
INVESTMENT 55: 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.
INVESTMENT 85: The risk indicator assumes that you will keep the product for 5 years. The actual risk may vary considerably in the event of early redemption, so you might recover less money.
Univida Selection Savings Insurance
Choose your way to save from €50 per month
Attractive savings
Savings insurance 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 the level of risk you are willing to take.
Unit-linked plan
Achieve higher returns based on your risk profile1.
Total liquidity
You can reclaim all or part2 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.
Surrender
Capital will be redeemed at market value, withholding the relevant IRPF tax amount. In the event of death, beneficiaries will receive additional capital to the accumulated fund**.
No expiration date*
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.
Investment control*
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.
Key Investor Information Documents - Investment Baskets in Marketing
Information on other baskets not currently available (portfolio operations only)
Quarterly Reports - Investment Baskets in Marketing
Quarterly Reports - Baskets currently unavailable (portfolio operations only)
It is a unit-linked savings life insurance that allows one to invest in investment fund baskets according to the customer's risk profile with contributions from €50 a month.
The customer can choose from among four baskets: Investment 10, 30, 55 and 85, classified from lower to higher risk and expected return.
Yes, they can at any time, either entirely or partially. A partial redemption must meet certain requirements: at least €1,000, at most 70% of the accumulated capital and leave at least €3,000 in the policy.
An additional capital sum of 5% of the net contributions is paid out with a minimum of €300 and a maximum of €1,000 depending on the insured party's age.
No, there is no penalty. Drawdowns are always made at market value without any penalty.
The Univida Selection Savings Insurance insurance allows up to four basket restructurings a year to be made at no additional cost. This means you can tailor your investment strategy according to your profile or financial situation without any penalties. A management fee of €12.02 per change is charged as from the fifth annual change.
- It offers an additional capital sum in the event of death.
- This capital sum is not included in the inheritance, which makes inheritance planning easier.
- Unlike other long-term savings products, it allows you to start investing with small periodic amounts.
This type of insurance is in keeping with current tax legislation.
The way in which taxes are applied depends on what happens to the insurance:
- If the policyholder decides to recover the money: ?Any gains obtained are deemed as income from financial investments. They are included in the savings part of the tax return and a withholding is applied to them according to prevailing legislation.
- If the insured party dies: The money the beneficiaries receive is declared for Inheritance Tax.
You can go to any Unicaja Banco branch to take out the Univida Selection Savings savings insurance, where we will be delighted to help you out.
You can also initiate the process by filling in appliation form and selecting the branch where you would like your application to be processed. We will then get in touch with you shortly.
If you have any doubts, you can get in touch with our Customer Service Department by calling +34 952 60 67 67.
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 buy a complex product that may be difficult to understand. This is a life insurance linked to financial structures (baskets), the investment risk of which is entirely and solely borne by the Policyholder, who in this case assumes a certain level of risk depending on the basket chosen and the recommended investment holding period. Thus, in the event of the policy's redemption or the insured party's death, the Policyholder entirely assumes the investment risk. This insurance is not aimed at nor does it promote sustainable characteristics (Articles 8 and 9 of Regulation (EU) 2019/2088).
(2) 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 the net contributions made until the first day of the month in which Unicorp Vida is certified of the insured party's death minus any partial redemptions made by the Policyholder up to that date, within the limits set forth in the policy.
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).