Unit Linked

Unit Linked' (in Spanish, ' fondo de seguro diversificado'), are financial instruments that allow to channel future savings. They are a way of investing by having both a life insurance and a savings fund.

Specifically, it is an investment in a basket of funds, stocks or bonds and is structured around life insurance.

The insured assumes the risk involved in the investment and, being a life insurance policy, coverage is guaranteed in the event of death.

The client is the one who distributes the capital he/she contributes among all the investment alternatives offered, being able to mobilize the capital among the baskets or funds that belong to the 'Unit Linked'.

Coverage

The characteristics of the Unit Linked are as follows:

  • The policyholder assumes the risk associated with the investment.

  • As a life insurance policy, coverage is guaranteed in the event of death.

  • The client can mobilize the capital between the baskets or funds belonging to the unit-linked fund.

  • Periodic, one-time and/or extraordinary contributions can be made.

  • No expiration

More information

To be taken into account

Since it is a life insurance policy, specific beneficiaries can be designated and, since it is outside the estate, it can be settled before the inheritance process is finalized, and in many cases, the expenses of said process can be met with the policy's proceeds.

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