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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 (2) that allows you to accumulate capital comfortably and flexibly.
Achieve higher returns by assuming the investment risk(1).
Transform accumulated capital into a life annuity and do not pay tax for the return obtained.
Tailored to you
We have the investment that best fits in with this moment of your life and timescale. Ask about your Life Cycle Individual Systematic Savings Plans (PIAS).
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 Systematic Individual Savings Insurance you can save capital through one-off, periodic and/or extraordinary contributions from €50 per month. The objective is to transform the accumulated capital (minimum of 5 years) into a life annuity and thus obtain a more favourable tax treatment.
You can choose between more or less risky investment portfolios and exchange them for another, whenever you want, depending on your needs and expectations of profitability and risks.
You choose the right time to redeem your savings in full or in part* according to your own interests, although the length of the term is at least 5 years. The accumulated fund is transferable between institutions without taxation or loss of tax benefits.
The surrendered amount will always be calculated at market value, withdrawing the relevant tax amount at the applicable IRPF rate. In the event of death, beneficiaries will receive additional capital on top of that saved***.
To take out the Univida Selection PIAS Savings Insurance policy, go to any of our Unicaja Banco branches, where we will be delighted to help you.
If you prefer, you can also request Univida Selection PIAS Savings Insurance filling out the application form and indicating the branch where you would like to process it. We will contact you shortly.
Remember that 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.
Primas, máximo anual 8.000 € y conjunto 240.000 €. Se fija un mínimo de 5 años desde la primera prima satisfecha no consumida por rescates parciales para constituir la renta vitalicia. Tax exemption for income that has been disclosed. Taxation of immediate life annuities: income from movable capital and application of current percentages. If the collection of the economic rights derived from the life annuity is anticipated in full or in part, the tax exemption of the income generated is lost when the same is established.
(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.
(*) The insurance company does not guarantee any interest rate or return. The assets' value is subject to the financial markets' fluctuations and beyond the insurance company's control.
(**) For partial surrender, the following requirements must be met: minimum amount of € 1,000, maximum amount of 70 % of the accumulated fund and the remaining accumulated fund cannot be less than € 3,000.
(***) 5 % of net contributions made by 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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