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TOLIC te da
más por tu IRA

Adquiere tu anualidad o cuenta IRA hoy mismo. Consulta con nuestros Representantes Autorizados y descubre cómo puedes aprovechar estas y muchas otras ventajas.

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    Descubre por qué en TOLIC damos más por tu IRA.

    Principal Protegido

    Tu inversión principal está protegida

    Interés Garantizado

    En TOLIC damos más por tu IRA

    Ingreso Garantizado

    De por vida

    Your money grows faster

    ¡Ya puedes imaginarte tu retiro!

    El mejor servicio

    Calidad Garantizada

    That IRA or annuity that you have, can
    grow faster. UNDERSTAND!

    Do you own any pension plans, annuities and IRA products? Transfer them today to TOLIC and get ready to see your money grow

    Discover here the advantages of transferring your IRA or annuity:

    Transfer today! Consult with one of our Authorized Representatives.

    Abre, consolida o transfiere tu IRA. ¡Llámanos!

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    Safeguard Multi Year Guaranteed Annuity (MYGA)

    Tu inversión crece con un interés garantizado.


    TOLIC Safeguard Select Fixed Index Annuity (FIA)

    Potencial para aumentar la ganancia basada en el crecimiento del índice y con protección a la baja del mercado.


    Safeguard Multi Year Guaranteed Annuity (MYGA)

    Para mayor rendimiento de tu dinero


    TOLIC Safeguard Select Fixed Index Annuity (FIA)

    Para mayor crecimiento de los ahorros para tu retiro

    Un futuro libre de preocupaciones
    TOLIC te da más por tu IRA

    Si recibes ingreso por concepto de salario, servicios profesionales, no has cumplido los 75 años de edad y eres residente de Puerto Rico, ¡eres candidato a un futuro libre de preocupaciones!

    ¡Abre tu IRA ahora!

    Frequently asked questions

    An annuity is a contract between you and an insurance company, which is designed to increase and protect your money without risk of loss at the end of the chosen term, and offer a guaranteed stream of income for a specific period or for life.

    • Fixed Annuity – your investment grows based on a guaranteed interest rate for a specific term.
    • Indexed Annuity – offers an interest rate tied to the behavior of stock market indexes and the potential to increase earnings based on index growth, and with downside market protection.
    • Contribution deferral – profits earned are not taxable until the moment when withdrawals or distributions are made.
    • Death Benefits – contributions are generally protected against risk in the event of death.
    • Available as an Individual Retirement Annuity
      • Contributions may be deductible from the income tax return, up to a maximum established by law. *
      • Allows transfers from other IRAs or pension plans. *
    • Partial withdrawals – you can withdraw up to 10% of the premium paid annually, with no fees for early withdrawal or market value adjustment. Subject to a maximum of 50 % in 7 and 10 year annuities.
    • Total distribution – you must wait for the expiration of the contract, depending on the term selected. If you cancel before maturity, you are subject to a penalty and a market value adjustment, whether positive or negative.
    • Guaranteed income benefit for life – endorsement to secure guaranteed lifetime income.
    • To purchase the endorsement, you must be 45 years old; to activate it, you must be 55 years old.
    • The IRA (or Individual Retirement Annuity) is designed to encourage the taxpayer to save and establish a retirement fund.
    • Contributions may be deductible from the income tax return and earnings are not taxed until withdrawals from the account or contract begin.
    • If an IRA withdrawal is made before age 60, you may be subject to a penalty from the Treasury Department of 10 % of the amount of the withdrawal.
    • Any person who receives income from salary, professional services or is self-employed, including any person who participates in another eligible retirement plan.
    • Any person who has not reached the age of 75.
    • Resident of Puerto Rico.
    • You can make annual contributions of up to $5,000 or 100 % of income generated, whichever is lower.
    • Up to $10,000 can be contributed if the return is filed jointly by a married couple (a separate account must be established for each spouse).
    • The contribution limit also applies to the ROTH IRA (non-deductible IRA) and generates exempt interest or profits.
    • After reaching 60 years of age.
    • If the taxpayer has not reached 60 years of age, there is a penalty from the Treasury Department of 10 % of the amount of the withdrawal, except if the taxpayer withdraws for the following reasons:
      • incapacity
      • job loss
      • payment for children’s university education
      • purchase of the first residence
      • repairs of damage to the main residence caused by hurricane, earthquake, fire or other fortuitous causes
      • computer purchase (limitations apply)
      • terminal illness

    Deductible (IRA):

    • maximum contribution of $5,000 per taxpayer
    • the tax advantage is at the moment
    • profits increase by postponing contributions
    • taxpayers who are in higher tax rate benefit more

    Non-deducible (ROTH):

    • maximum contribution of $5,000
    • the tax advantage is at the time of retirement
    • withdrawals are exempt from contributions including the principal
    • Yes, it is allowed to transfer funds from a qualified plan to an IRA and from one IRA to another IRA.
    • Example: 401K, 1165e, pension plans, Keogh
    • to consolidate IRAs

    Descubre la IRA que más da
    en PR, invierte en TOLIC.

    Get a quote today!

    Llámanos al 787.620.2722 o llena el formulario a continuación.