Warning: scammers may call, email or message you on behalf of DNB. We are also aware of online videos and images – for example, of our current or former governor – that look genuine but are definitely fake. Don’t be taken in! DNB will never ask you for money or confidential information. Read more

Unit-linked

Read aloud

Unit-linked funds (also called insurance funds) are structures in which investments are linked to insurance products. Unit-linked investment funds are only accessible through participation in products such as investment-based mortgages, single premium policies or pension insurances. In these funds the insurer places those investments that affect the payout of the (investment-linked) insurance; they are not available to other investors. The holder of the insurance policy has an agreement with the insurer, not with the unit-linked fund, and has no direct claim on the unit-linked fund or the assets invested in it.

For statistical purposes, unit-linked funds are not considered to be investment funds, except when there may be several other unit holders (e.g. other insurers) in the fund.