Allianz Global D'Ara Unit Linked
Advantages for your Unit Linked insurance
How does Unit Linked Savings Insurance work?
Currently, most savings accounts are giving 0% interest. If you want your money to work just like you do, see more information about Unit Linked:
You will have a financial advisor who will help you choose the best investment funds.
It is a type of long-term investment, your advisor will help you move the investment based on market fluctuations.
The investment starts at €30, and you can withdraw from the first month if you wish.
Do you want to invest and don't know how?
We help you, guide you and give you options according to your profile, from €50/year.
Prudent
Your level of investment knowledge is not very high and you value security over profitability.
Moderate
You have some knowledge about the sector. Profitability is important to you, but always keeping the risk in mind.
Risky
You have knowledge and experience in investing. You value profitability above all else and you understand and accept that investing is a risk.
Taking out your Unit Linked insurance is that easy
Call us for free or we'll call you.
We will assign you an advisor from our team.
Get your customized insurance
You are already in the best hands.
Frequently asked questions about Unit Linked
A Unit Linked is a Life Insurance linked to investment funds, which allows you to save and invest in your future at the same time as you subscribe to life insurance. Part of the investment is allocated to paying the insurance premium, and the rest of the capital is invested in a basket of financial products. The policyholder is the one who decides the amount they want to invest, how the capital is distributed based on their expectations of profitability, as well as the risks they are willing to assume. The greater the risk, the greater the expectation of profitability.
In unit linked, profitability is not guaranteed, since it varies depending on market changes. It is the policyholder who assumes the risk of the investments made with the amount contributed.
Unit Linked are supervised by the Directorate General of Insurance and Pension Funds (DGSFP).
It is a wealth formed by the contributions of a variable number of people, called participants, who invest together in a group of assets. This form of collective investment aims to achieve a higher return than if it were invested separately.
This wealth is invested in different financial assets – fixed income, variable income, derivatives or any combination of these – in accordance with the investment policy of the fund. The return on investment of each participant depends on the return obtained by the fund.
Investment funds generally do not have a limit on the number of participants, the more investors the better, although some require a minimum contribution.
The client chooses the product that best suits their investor profile (whether prudent, moderate or risky), among the available investment alternatives, and with the desired geographical distribution, national or international. The client can also mobilize capital between the baskets belonging to the ‘unit linked’.
The premiums are invested in the combination of selected funds, according to the profiles and funds made available by the Company.
With this premium, the client is assigned a number of shares based on the net asset value of the funds.
From the very beginning, the investment made will obtain the return associated with the investment funds chosen by the client, without any additional costs being applied.
These are the advantages that Allianz’s Unit Linked offers you, compared to other similar products:
- Higher return expectations than traditional products.
- Diversification in different assets.
- Professionally managed investment.
- Tax advantages for being a life insurance policy.
This type of savings and investment insurance is interesting for those who want to invest in the long term and are willing to assume the risks derived from market fluctuations.
Allianz Segurs offers you a wide range of Investment Insurance and personalized advice to help you choose the product that best suits your profile. Leave us your contact details and we will call you.
Unit linked have the tax advantages of life insurance, and no taxes are paid on the money invested until the moment of redemption.
In the event that the client redeems the capital, it will be taxed in the IRPF as income from movable capital.
On the other hand, if it is extinguished due to the death of the insured, its beneficiaries will be taxed according to the Inheritance Tax.
- Participant: Who invests.
- Management Company: Who manages the investment funds.
- Depository Company: Who holds the Fund’s assets in custody.
Other savings/investment insurance for you
Perspektive
A savings and investment insurance with which you will know from the very beginning both the capital and the income that we guarantee you.
Allianz Capital
Your single-premium investment product that allows you to receive periodic withdrawals until the balance is exhausted.
Flexible Term
It is an investment method that allows you to choose the period that best suits your needs, between 2 and 5 years.
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