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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.

The risk indicator supposes you will keep the product during the recommended time as issued, or according to the investment term assigned (consult Kid).



Univida Investment Savings Insurance

A medium-term opportunity

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Attractive savings

A savings insurance policy (1)  that allows for a single contribution to be made per contract  (2).

Expected returns

During the structural period, it is an annual percentage rate at that of maturity of the investment, according to the current tranche.

Unit-linked plan

With a recommended minimum maintenance period equal to that of the investment or that indicated in the product conditions.

Total liquidity

You can surrender all or part of your capital (3) within the liquidity windows enabled for that purpose.



Additional capital in the event of the death of the insured individual

The beneficiaries designated in the policy will receive an additional capital of 2% of the contributed premium up to a maximum of €30,000 (*).


It will always be carried out at market value, with the corresponding tax amount withdrawn at the applicable IRPF rate. 

Contracting process

To take out a Univida Investment 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 your Univida Investment Savings Insurance policy by filing out the 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.

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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.


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