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Investment options
The range of investment options available to you and the contractual provisions for rebalancing your asset allocation.
SR Financial - Unit-Linked Life Insurance
Unit Linked
A Unit-Linked policy combines life insurance with the investment of your savings in funds or other vehicles stipulated in the contract. Its value reflects the performance of these underlying investments and can therefore fluctuate up or down. We help you evaluate the available options and align them with your savings objectives.
What you need to know
How this policy works
We detail which portion corresponds to insurance coverage, how your savings are invested, and the applicable fee structure.
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Protection and performance of your savings
The specific life coverage included and how market fluctuations in your chosen investments impact your capital.
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Costs and liquidity
The cost of the policy, as well as the terms, conditions, and applicable charges should you wish to withdraw your funds.
A comprehensive approach to decision-making
Assessing a Unit-Linked policy requires analyzing both the investment and insurance components: available investment options, risk exposure, life coverage, and all associated costs. We review these elements using the contract documentation of the policy under consideration, enabling an objective comparison with alternative savings solutions.Further reading: Finanzas para Todos - Savings-oriented life insurance.
Before reaching out
Frequently Asked Questions
How does it relate to a PIAS?
A PIAS (Individual Systematic Savings Plan) can deploy its underlying savings via a Unit-Linked structure. In such cases, it combines the goal of generating a life annuity with an investment portfolio subject to market performance. We examine how this is structured in each specific contract.
How does the value of my savings fluctuate?
It directly tracks the performance of the selected underlying investments, net of contractual fees and charges. It may appreciate or depreciate: as the policyholder, you assume this market risk.
What happens if I require access to my capital?
The policy terms specify the redemption process, settlement timelines, and any applicable surrender charges. It is essential to review these liquidity conditions before determining the capital to allocate to the policy.
Would you like more information?
Let us know your investment objectives and any specific points you would like to clarify.