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How it works
How much you contribute, where the funds are allocated, and how the value of your savings is calculated.
SR Financial - Life Savings
Savings and Investment Insurance
Savings and investment life insurance combines life coverage with a structured way to build capital for the future. Our offering includes various options, such as Unit-Linked products and PIAS (Individual Systematic Savings Plans). We help you understand how contributions are made, how your savings evolve, and how you can access your funds.
Key Considerations
Information prior to decision-making
To compare options, we start by looking at how you want to save and when you will need the funds.
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What the policy covers
What protection is included and how the savings are invested. We also outline how much of the performance depends on market movements and whether any guarantees apply.
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Costs and liquidity
The fees associated with the policy, when you can withdraw the funds, and the applicable terms should you need access earlier.
Understanding the savings options
A Unit-Linked policy is an insurance product where the savings are tied to underlying investments. PIAS stands for Individual Systematic Savings Plan and is designed to accumulate savings to generate a lifetime annuity. A PIAS can be invested through a Unit-Linked structure; we will explain how the specific option you are considering operates.Learn more: Finanzas para Todos - Savings-linked life insurance.
Related information
Before reaching out
Frequently Asked Questions
How do I know if my savings are guaranteed?
We will advise you whether the policy includes a guarantee, what amount is covered, and under what conditions. In investment-linked options, the value of your savings may fluctuate upward or downward.
What is the difference between a savings insurance policy and a pension plan?
They are distinct methods for building capital. They differ in their contribution rules, liquidity terms, and distribution mechanics. We can review and compare them based on your specific objectives.
What costs should I consider?
It is important to understand the insurance costs, the management fees of the underlying investments, and any applicable charges should you withdraw the funds. We will provide a comprehensive breakdown before you enter into any contract.
Would you like to speak with an advisor?
Tell us about your savings objectives and when you plan to access the capital.