Educative IRA (CAAE)
Savings for your child or family members education.
Product summary
Individual
It is a savings account or annuity that contributes as an exclusive educational benefit for your children or relative under the third grade of blood relationship or second by kinship. This has a minimum initial deposit of $300.00.
The purpose of the Annual Contract of Educational Contribution (CAAE) is to stimulate people to save for their children's or relatives' education. The CAAE aims to help pay the total or part of the cost of the post-secondary studies of the beneficiaries.
Benefits
- Interest and any shares that are deferred until the funds are retired.
- The principal is assured and is not affected by market fluctuations.
- $0 charge for the opening and maintenance of the annuity.
Contract dispositions
- An initial deposit of $300.00.
- A deduction is permitted by a contribution that will not exceed $500 for a beneficiary. The contributions to this account may be done by yearly contributions before that child or relative reaches the age of 26 years old.
- Only the parent or child custodian may open the account or annuity of the minor.
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
What is and Health and Accident Insurance?
This refers to their insurance that offers protection for a financial situation such as an illness, accident injuries, or inabilities.
Can a person buy a cancer and pernicious illness policy a person that has had a cancer diagnosis?
Yes, they are eligible if they had not received any treatments in the past 10 years, and it doesn’t happen within the first 30 days of the policy and the date of effectiveness.
To whom is emitted the check of premium return check?
Premium refunds that have not been accrued will be issued to the person who paid the premium.
Does the policy of cancer and pernicious illnesses coordinate payments with medical and Medicare plan?
No, cancer and pernicious illness policy are through reimbursement of medical expenses.
The treatment in case of a positive cancer diagnosed, can it be out of Puerto Rico?
Yes, our Total Alliance policies offer you coverage of treatment out of Puerto Rico.
To acquire a life or accident insurance does it require a medical exam?
There are no insurance alternatives that guarantee emissions, so you can get insurance without a medical exam. It absorbs savings for future or health problems.
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
I was treated very kindly and promptly.
Very well located and a wide variety of insurance products.
Good service, I won't let them.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Excellent customer service.
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