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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.

UNIVIDA SELECTION SYSTEMATIC INDIVIDUAL SAVINGS INSURANCE

TRANSFORM YOUR SAVINGS INTO A LIFE ANNUITY

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Attractive savings

Savings insurance (2) that allows you to accumulate capital comfortably and flexibly.

Unit-linked plan

Achieve higher returns by assuming the investment risk(1).

Tax benefits

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).

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GREATER TAX BENEFITS

From €50 per month

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.

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 expectations of profitability and risks.

No expiration date

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.

Surrender**

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***.

Unicorp Vida investment portfolios

Contracting process

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.

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