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 net contribution made, up to a maximum of €30,000 (*).
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- 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.
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
Savings
A savings insurance that allow one to make a single contribution per contract1.
Expected returns
During the structuring period, an annual interest rate at the investment's maturity is applied. This interest rate is based on the current rate; that is to say on current market conditions and the investment's conditions.
Unit-linked plan
It is advisable to hold the investment over the minimum period indicated in the product's terms and conditions.
Total liquidity
You can recover all or part of your money2 at the designated times.
To have the chance of earning a greater return, you need to accept greater risk.
Past performance is not indicative of future results.
Investing in this product is not advisable if you intend to redeem it before the recommended policy maintenance period. Doing so may result in relevant losses with respect to the initial investment.
Surrender
It will always be carried out at market value, with the corresponding tax amount withdrawn at the applicable IRPF rate.
This product is designed for people with a conservative risk profile who wish to diversify their savings or seek to complement their assets without taking on high risks. It is also suitable for people who wish to organise part of their assets for the future.
Univida Investment Savings combines the simplicity of a savings product with the flexibility of a unit-linked insurance. It allows one to know right from the outset potential capital growth, offers monthly liquidity without any penalty and adds additional coverage in the event of death, making it an attractive option for those who seek security and asset planning.
Yes, you can during the first month and at the product's successive liquidity windows. The Univida Investment Savings insurance allows total or partial redemptions on a monthly basis, provided they are requested at least five days before the end of the month. Payment is made at market value on the last day of the month, which may be higher or lower than the capital sum invested.
The product includes supplementary coverage that compensates beneficiaries with an additional capital sum amounting to 2% of the net contributions made. In the case of people over the age of 65 years or a worsening of the risk, this compensation is limited to €1,000 at most.
This insurance is subject to prevailing tax legislation.
Different taxes are applied depending on what happens:
- If the policyholder recovers the money (redemption): The returns obtained are considered investment income. This means that they are included in the savings part of the income tax return and the current withholding rate is applied to them at that time.
- If the insured party dies: The money the beneficiaries receive is taxed for Inheritance Tax.
You are about to buy a complex product that may be difficult to understand. This is a life insurance, the investment risk of which is entirely and solely borne by the Policyholder, who in this case assumes a low risk level. 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). You can consult the Key Investor Information Document at https://www.unicajabanco.es/content/dam/unicaja/documentos/kid-univida-ahorro-inversion-iii.pdf
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) Minimum Contribution: €10,000. Maximum Contribution: €600,000.
(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 at that time. The remaining accumulated fund should not be less than €3,000. Any surrender, once requested, will be carried out within the liquidity windows set within the specific conditions of the policy.
(*) In the event that the customer is over 65 years of age at the time of the reported incident or presents an aggravated risk in the health questionnaire, the additional capital will be limited to €1,000.
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).