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INVERPLUS
A plus for your savings. A plus for your peace of mind.
InverPlus is a financial investment in the form of unit-linked insurance that also includes a life policy.
There’s an InverPlus for every type of investor
Fixed-interest investment
If you're looking for a safe investment, this is the one for you: InverPlus will invest in a guaranteed fixed-interest deposit.
Variable-rate investment
If you're looking for a higher yield, this is a good option: InverPlus will invest in a structured variable interest deposit.
Yield
The yield on fixed deposits is always guaranteed. Interest on the variable-rate deposit will vary according to the changes in the indices of the asset in which the investment has been placed.
Free built‐in life insurance
Guarantees up to 1% more of the value of the linked deposit, regardless of the type of investment you choose. In case of death by accident, the additional benefit will be 15%.See Terms and conditions Terms and conditions
InverPlus Conditions
InverPlus conditions are very adaptable, and vary depending on the investment model chosen and the time at which the product is opened. The general terms and conditions of the product are as follows.
- Term: investments usually range between one and five years. The insurance validity period matches the investment period.
- Profitability: on fixed-interest rate deposits, the return will depend on the fixed and guaranteed interest rate. Return on variable-rate structured deposits will depend on the performance of the indices included in each of the guarantee periods established in the linked asset.
- Liquidity: whether it can be redeemed will depend on the type of asset in which the investment is made.
See FAQs FAQs
Is the investment guaranteed?
The Inverplus guarantee depends on each issue, as the asset contracted acts as the collateral.
How are returns calculated?
For fixed-rate deposits, this is determined by the guaranteed fixed interest rate; for structured deposits, this is determined by the performance of the indices in each of the guarantee periods established for the linked asset.
Can I recover the funds before maturity?
The possibility of early redemption is specified for each issue. The redemption value is based on the market value of the associated assets.
What does the associated life insurance cover?
In the event of the death of the insured, the insurance offers an additional benefit of 1% of the assets linked to the investment, regardless of the cause of death, with limits based on age. In the case of accidental death, the additional benefit will be 51% on the value of the investment.
IMPORTANT INFORMATION
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Show/Hide legal textBankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid www.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).