Multinvestment UL
• Peace of Mind and Excellent Return
Multinversión, UL, is a life insurance-savings policy that will allow you to invest in reference-linked products: one or several stock market indexes, the quotation of a share or the evolution of a basket, with the best tax treatment.
Its main advantages are:
- Obtain better profitability prospects linked to the evolution of a predetermined indicator
- Improve financial and tax profitability, since the yields obtained are added to the capital.
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Features
Amount: can be subscribed with a minimum initial premium of 600 euros
Type of contributions: extraordinary contributions can be made and in the monetary option, also periodic contributions can be fixed.
Return: this product offers a return pegged to the evolution of a predetermined indicator1
Operation: each issuance has its own characteristics as regards the return, investment period, underlying assets, etc. Upon maturity of the first guaranteed period, it can be renewed in a new structure or the capital surrendered.
Availability: subject to the different issuances performed. Subscription is limited to a given period of time (subscription period).
Additional Benefits: As it is a life insurance, you can designate one or more beneficiaries who, in the event of the holder’s death, will receive the accumulated capital plus 10% with a maximum of 12,000 euros or 600 euros in the case of holders aged over 65 or with aggravated risks.
Tax treatment: this plan improves your tax return as the yield obtained is accumulated with the capital and ni tax is payable until it is received.
1 BanSabadell Vida assumes no investment nor counterparty risk. The amount to be received at surrender will depend on the fluctuations of the financial markets which are beyond the insurer’s control and whose historic results do not indicate future results.
Multinversión is a unit linked insurance in which the insured assumes the investment risk. The return on each structure is that offered by the bond or deposit issuer in which the structure invests.
Multinvestment is life insurance from BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, marketed by Banco de Sabadell, S.A. subject to the terms and conditions of the policy. BanSabadell Vida, Sociedad Anónima de Seguros y Reaseguros, with Tax ID. A08371908 and registered offices in Calle Sena, P.I.A.E. Can Sant Joan, 08174, Sant Cugat del Vallès. Banco de Sabadell, Fiscal S.A Tax ID No. A08000143 and registered offices in Pl. Sant Roc, 20, 08201, Sabadell, is the Exclusive Bancassurance Operator of BanSabadell Vida and is registered in the Special Administrative Register of Insurance Brokers under number C0557A08000143.
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- Taxation
Personal Income tax
The return accumulates to the capital without any withholding and is only subject to taxation when surrendered.
Return on live-savings insurance received in the form of capital pay tax as return on investment income and forms part of the Savings Tax Base. The tax rate applicable to the Savings Tax Base is 21% on the first 6,000 €, 25% on the following 18,000 € and 27% thereafter. A 21% withholding is applied when surrender occurs.
When performing a partial surrender, the amount recovered will be considered to correspond to the premiums first paid (FIFO system); therefore, those with the greatest accumulated life.