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SAVINGS AND INVESTMENTS
Supplementary pension plans for self-employed people
The state pension is often not enough to maintain your standard of living. Fortunately, there is a range of solutions to help you build a supplementary pension in a tax-efficient way if you’re a self-employed individual – whether or not you’re running a company – or an employee in the medical sector.
For self-employed people running a company
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PLCI supplementary self-employed pension plan
AG's PLCI is a branch 21 insurance-based savings plan that’s an ideal base for every self-employed person’s pension plan, whether they run a company or not. You can also choose a Social PLCI, to better protect yourself and enjoy greater tax benefits.
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EIP
The EIP company pension plan from AG is a branch 21 or 23 life insurance policy for self-employed people who are running a company. It gives you an efficient way of building a supplementary pension through your company, which pays the premiums.
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Pension@work
Provide your employees with a supplementary pension. A good group insurance policy is an important way of attracting and retaining motivated talent. Moreover, your business can deduct the premiums from its taxable income.
For self-employed individuals
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PLCI supplementary self-employed pension plan
AG's PLCI is a branch 21 insurance-based savings plan that’s an ideal base for every self-employed person’s pension plan, whether they run a company or not. You can also choose a Social PLCI, to better protect yourself and enjoy greater tax benefits.
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CPTI
Alongside your PLCI, you can set up a CPTI personal pension plan, which is the equivalent of the EIP for self-employed individuals who don’t run a company. If you meet certain conditions, contributions to the plan entitle you to a 30% tax reduction.
For the medical sector
If you’re an accredited healthcare provider, your INAMI/RIZIV agreement is the basis of your supplementary pension. As a self-employed individual, you can combine it with the options above, and if you’re an employee, you can also choose a PLCDS.
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INAMI/RIZIV agreement
Are you an accredited healthcare provider? If so, you can pay your INAMI/RIZIV payments into an INAMI/RIZIV plan, a branch 21 life insurance policy from AG. The plan protects your income through five types of welfare benefits.
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PLCDS
The PLCDS from AG is a branch 21 insurance-based savings plan for accredited healthcare providers who are employees, such as doctors, pharmacists, physiotherapists, dentists, midwives and speech therapists. The premiums you pay are tax-deductible as business expenses.
Greater financial peace of mind
Enhance your pension plan with additional types of cover that give you increased protection. Combine your pension, investments and insurance in one policy.
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Inability-to-work cover
Protect yourself and your loved ones from the financial consequences of being unable to work due to illness or accident. Choose a monthly income and/or reimbursement of your pension contributions.
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Guarantee in Case of Death
Ensure your family's standard of living after your death. Choose between a minimum lump-sum payment and/or additional pension capital in the event of your death.
Also of interest
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Pension savings
As well as a supplementary pension plan, you can take out, in your own name, a pension savings plan and a long-term savings plan. This will increase your pension pot even more, as well as reducing your tax bill every year.
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Income protection
Do you want to protect yourself against the consequences of being unable to work due to an illness or accident, regardless of your pension? Take out income protection insurance and get financial peace of mind, for you and your family.
Do you want to ensure a comfortable lifestyle, even after you retire?
With our simulation tool, you can calculate the difference between your state pension and the amount you’ll need each month to maintain your standard of living.
Supplementary pension: helping you make the right choices
Are you thinking about an insurance-based pension plan to help you prepare for your future while enjoying tax benefits, but also protection in the event of accident, illness or death?
Our expert Morna Van der Pijl analyses your situation and advises you on the solutions best suited to your life as an entrepreneur!
Check your business insurance policies
Are you adequately protecting your business?
Whether you’re a seasoned entrepreneur or just starting out, our online tool helps you discover the business insurance policies that are legally required, essential or useful for your (future) business. You’ll receive your personalised report by email.
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