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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.
A savings insurance policy (1) that allows for a single contribution to be made per contract (2).
During the structural period, it is an annual percentage rate at that of maturity of the investment, according to the current tranche.
With a recommended minimum maintenance period equal to that of the investment or that indicated in the product conditions.
You can surrender all or part of your capital (3) within the liquidity windows enabled for that purpose.
To have the chance of earning a greater return, you need to accept greater risk.
Past performance is not indicative of future results.
It is not advisable to invest in this product if you intend to surrender it. Doing so may result in relevant losses with respect to the initial investment.
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It will always be carried out at market value, with the corresponding tax amount withdrawn at the applicable IRPF rate.
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.
You are about to buy a complex product that may be difficult to understand.
(1) Insurance contracted with Unicorp vida Cia. De Seguros y Reaseguros SA. Insurance contracted through Unimediación, S.L., associated bank and insurance operator registered in the Special Administrative Registry of Insurance Brokers, Reinsurance Brokers and their senior managers, held by the Directorate General for Insurance and Pension Funds (Registration No. OV-0010), acting through the Red de Distribución de Unicaja Banco Unicaja Banco, S.A. Concerted CR Insurance in accordance with Law 26/2006 of 17 July. It has financial capacity in accordance with the legislation in force. You can find the insurance companies with which Unimediación S.L. has signed an agency contract at here.
(2) Minimum Contribution: €10,000. Maximum Contribution: €600,000.
(3) 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.
The insurer does not guarantee any interest rate or performance. The value of the assets is subject to fluctuations in the financial markets and is beyond the control of the insurance company.
Maximise your savings in a flexible way, keeping the security of your future retirement in mind.SEE PENSION PLANS
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.SEE INVESTMENT FUNDS
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