Unit-linked insurance and insurance-based investment products

Unit-linked insurance is particularly well-suited for long-term saving and investment for yourself and for future generations. You can make a larger one-time investment or start flexible monthly saving.

Why unit-linked insurance?

Unit-linked insurance offers benefits that traditional savings accounts and investment funds don’t have. You can invest in various investment instruments under one contract and switch between instruments without having to pay any capital gains taxes arising from the switch.

  • Various investment alternatives under one contract – Select one or more investment instruments from our wide selection of investment funds and baskets. Our unique investment baskets can only be accessed through unit-linked insurance. 
  • Switch between investments free of charge and without having to pay taxes right away – Unit-linked insurance offers you the flexibility to add and switch underlying investments any time free of charge. You can also change the asset allocation under your contract. You only pay taxes on the return when you withdraw your money.
  • Protect your assets from market volatility – You can protect your assets by investing in the low-risk Granite Portfolio Fixed Income investment basket or moving them into an Insurance Account. An Insurance Account is a safe place to park your money while waiting for market volatility to subside or searching for a new investment.
  • Suits both active and passive investors – Unit-linked insurance is a great fit for an investor who wants to actively switch between investments to take advantage of market movements. A more passive investor can choose from our investment baskets where your assets are managed by our investment specialists. 
  • Save and invest in a way that suits you – Make a larger one-time investment or save smaller amounts over time as you see fit. You can get started with as little as 50 euros. Your contract also offers you the flexibility to withdraw your savings whenever you need to.

What are insurance-based investment products?

Unit-linked insurance, savings insurance, endowment insurance, capital redemption contract and insurance wrapper. All these familiar-sounding terms come under the heading of insurance-based investment products.

Despite their name, insurance-based investment products are not traditional insurance policies but long-term forms of saving and investment. 

Insurance-based investment products are suitable for various types of long-term investment goals, such as pension saving or saving for children. Besides growing your wealth, they offer you a flexible way to transfer wealth to your family members.

Choose from our two unit-linked insurance policies

Are you hoping to pass your wealth down to future generations or perhaps save money to fulfil your dreams or for your retirement? Read more about our endowment insurance Nordea Vision and capital redemption contract Nordea Capital and find the best solution for you. 

Nordea Vision

Nordea Vision endowment insurance is particularly well-suited for estate planning and transfers of wealth to future generations. It suits both active and passive investors, as it enables you to select your investments based on how much involvement you want to have in the management of your assets. If you are more risk-averse, you can add the Inheritance Cover feature to your Nordea Vision endowment insurance to protect your invested capital in the event of death.

Read more about Nordea Vision

Nordea Capital

Nordea Capital is a capital redemption contract with no lives assured. Nordea Capital is particularly well-suited for long-term saving and investment if you want to make your retirement more comfortable or have bigger dreams to realise. It is also a good option if you want to save money for your child. You decide if you want to actively manage your investments or choose investment baskets managed by our specialists. The possibilities are many.

Read more about Nordea Capital

Who are insurance-based investment products for?

Are insurance-based investment products the right fit for me?

Whether you are an experienced investor or just starting out, insurance-based investment products are suitable for many different needs. Unit-linked insurance could be a great choice for you if: 

  • you are prepared to invest long-term, meaning for a minimum of three years (the recommended investment horizon depends on the investment alternatives you select), or
  • you want to invest in the investment baskets, which are only available as part of our unit-linked insurance policies, or
  • you want to actively switch investments without any immediate tax consequences if there are movements in the market or your circumstances change, or
  • you are interested in endowment insurance as an estate planning option.

If you intend to invest for a short period of time or in just one fund and you are not planning to switch investments or transfer your wealth to future generations, unit-linked insurance may not be the best option for you.

Investment alternatives
Taxation of unit-linked insurance
Issuer and further information

Are insurance-based investment products the right fit for me?

Whether you are an experienced investor or just starting out, insurance-based investment products are suitable for many different needs. Unit-linked insurance could be a great choice for you if: 

  • you are prepared to invest long-term, meaning for a minimum of three years (the recommended investment horizon depends on the investment alternatives you select), or
  • you want to invest in the investment baskets, which are only available as part of our unit-linked insurance policies, or
  • you want to actively switch investments without any immediate tax consequences if there are movements in the market or your circumstances change, or
  • you are interested in endowment insurance as an estate planning option.

If you intend to invest for a short period of time or in just one fund and you are not planning to switch investments or transfer your wealth to future generations, unit-linked insurance may not be the best option for you.

Issuer and further information

For more information about our endowment insurance Nordea Vision and our capital redemption contract Nordea Capital, visit the product pages where you will also find product descriptions, terms and conditions and other related documents. Documents are available in Finnish and in Swedish.

Nordea Vision and Nordea Capital are issued by Nordea Life Assurance Finland Ltd (Business ID 0927072-8). Nordea Life Assurance Finland Ltd is part of the Nordea Group, the leading financial services group in the Nordic countries and the Baltic Sea region. Nordea Life Assurance Finland Ltd sells unit-linked insurance policies through its agent Nordea Bank Abp. 

Investments provide the possibility of gaining profits due to capital appreciation, but there is also a risk of a possible decrease in the capital value. Unit-linked insurance policies are not covered by the deposit guarantee scheme for bank accounts nor by the Investors’ Compensation Fund. The value of the investments may rise or fall depending on the market situation, and past performance is not a guarantee of future returns.

Interested in unit-linked insurance?

Book online meeting and you will be one step closer to enjoying the benefits of insurance-based investment products.

Contact us to book a meeting