Your retirement, your way.
Build a guaranteed income today for your tomorrow. Take advantage of unique 2025 tax benefits and shield your capital against inflation.
The Path to Freedom
This plan works in three simple stages. The maximum total term is 35 years.
Accumulation Phase
Build your capital through flexible premium payments.
- Max Duration: 25 years
- Min Monthly: $100,000
- Min Lump Sum: $10,000,000
Waiting Period
SURA manages the funds to maximize your long-term returns.
Minimum Duration
1 Year
Income Phase
Receive your guaranteed monthly income (your "pension").
- Minimum: 1 Month
- Maximum: 20 Years
2025 Tax Strategy
More than just insurance, it's a smart financial tool for tax optimization.
Individuals
Benefit: Tax-Exempt Income
The money you receive will be income tax-free if you meet ONE of these conditions:
- 10-year investment holding period.
- Meeting legal retirement age requirements.
- Direct transfer to AFC (Housing) accounts.
Businesses
Benefit: Deductible Expense
Companies can pay pension insurance for key employees as a high-impact retention mechanism.
3,800 UVT
Max annual deduction per employee
*Significantly reduces the company's taxable income base.
Total Flexibility
CPI Protection
Your money adjusts with annual inflation to maintain its purchasing power.
Date Adjustments
You can advance or postpone your income start date (max 1 year) with 2 months' notice.
Early Full Withdrawal
This plan is designed for the long term. If you choose to cancel and withdraw funds early, a liquidity penalty applies.
Refund Value
80% of premiums paid
*Adjusted for CPI.
How much should I save monthly?
Ask Ale to project your "Target Income" and find out how much you need to contribute today to reach your dream retirement.