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Pension Income

Welcome to our pension insurance page, where we provide a range of options for comprehensive financial planning and security for your future.

As a broker, we work with various insurance companies to offer a pension insurance plan that provides you with a capital reserve to supplement your pension in the years to come, ensuring a monthly income that will not lose value over time.

We understand that every individual has unique preferences, and that’s why our plan is customizable to fit your specific needs. Our pension insurance has no exclusions, making it available to anyone who wants to build a legacy. We offer financial, legal, and fiscal guarantees, as well as additional facilities such as extra payments and modifications to the study period.

Contact us today to learn more about how our pension insurance can help you achieve your financial goals.

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Step by Step

Freedom Seguros makes it easy to get started.

Just follow these three steps and you’re ready to go:

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1

Start by getting a quote and filling out the form with all your data.

2

Freedom Seguros will review and assess your information and existing insurance policy.

3

They’ll create a plan tailored specifically for you, taking into account age, gender, health status, current coverage options and financial ability.

FAQ

  • What is pension insurance?

    Pension insurance is a type of insurance that helps supplement your retirement income. It provides a guaranteed monthly income that is not affected by market fluctuations, so you can plan your retirement with more certainty.

  • Who should consider pension insurance?

    Pension insurance is ideal for anyone who wants to supplement their retirement income and ensure a stable financial future. It's especially beneficial for those who don't have a traditional pension plan or who want to enhance their existing retirement income sources.

  • How does pension insurance work?

    With pension insurance, you pay a premium to the insurance company in exchange for a guaranteed monthly income during your retirement years. The amount of the premium and the monthly income are determined based on your age, desired rental value, and established payment and payout periods.

  • What are the benefits of pension insurance?

    The benefits of pension insurance include a guaranteed monthly income that is not affected by market fluctuations, financial, legal, and fiscal guarantees, the ability to customize payments and payout periods, and the freedom to choose beneficiaries without the need for a medical evaluation or declaration of insurability.

  • How is the premium determined?

    The premium is determined based on various factors such as the age of the insured, the desired rental value, and the established payment and payout periods. The minimum cost of the principal coverage is typically $100,000 monthly or the equivalent in other periodicities.

  • What happens if I miss a monthly payment?

    If you miss a monthly payment, the insurance company will not cancel the insurance. You can catch up on the payments at any time. If you can't pay and don't catch up, the insurance company will deliver the value you have accumulated at the time of the payouts.

  • Can I modify my pension insurance plan?

    Yes, you have the option to modify the study period by either postponing or advancing the start date by a maximum of one year, extending or reducing the period, or changing the periodicity of the income received during the study period. Additionally, two types of additional payments are available that can be scheduled when you sign up for the insurance or decided during the premium payment period.

  • How long does pension insurance last?

    Pension insurance has a maximum duration of 35 years from the start of its validity until the last payout. You can make payments for up to 25 years, and the duration of the payout period will be at least one month and a maximum of 20 years. There should always be a minimum of one year of waiting between the last payment and the first payout.