Which life insurance to choose?
Contract, retirement, taxation …
Life insurance
Prepare a complementary pension plan for sole traders to benefit from capital on top of your state pension. Save as a sole trader without a limited company, as a director, or through your company to benefit from tax advantages. RGF Group gives you the optimum guarantees, services and prices to assure you of a comfortable and pleasant retirement.
Saving for my pension with a life insurance in Belgium
You are
Self-employed with a company
Finance your complementary pension with a group insurance plan contracted by your company
Statut INAMI
Complementary pension specific for medical and paramedical professions
Save up for a complementary pension with a choice among several forms of savings for :
- Doctors
- Dentists
- Pharmacists
- Physiotherapists
- Other paramedical practitioners
VSPSS
Voluntary Supplementary Pension Scheme for the Self-Employed
Get tax benefits and reduce your social security contributions by up to 20%
IPC
Individual Pension Commitment (Branch 21 and Branch 23)
Accrue capital for your retirement with a particularly attractive life insurance plan :
- All your premiums are deductible (80% rule)
- Ideal for property investments
- High security with high returns
You are
Self-employed without a company
Benefit from tax advantages for your pension as a self-employed person
RIZIV status
Complementary pension specific for medical and paramedical professions
Save up for a complementary pension with a choice among several forms of saving for :
- Doctors
- Dentists
- Pharmacists
- Physiotherapists
- Other paramedical practitioners
VSPSS
Voluntary Supplementary Pension Scheme for the Self-Employed
Reduce your social security contributions by up to 20% and get tax rebates of 50% (or more)
VSPSS
Supplementary Pension Agreement for the Self-Employed
Save up for your supplementary pension with an individual life insurance plan for the self-employed:
- Tax benefit of 30% for premium payments
- Ideal for property investments
- Final 10% tax on the capital
What are the 4 pillars of your pension in Belgium ?
1ST PILLAR
STATE PENSION
Legale pension
Make an online simulation and get personalised follow-up to build your complementary pension plan.
2ND PILLAR
SOLUTIONS :
VSPSS
Are you self-employed ?
Complete your statutory pension with a supplementary pension agreement for the self-employed and pay less tax.
IPC / Group insurance
Vous êtes dirigeant d’entreprise ?
Get a complementary pension through your company thanks to an individual pension commitment (IPC) 100% tax deductible.
SPAS
Are you a self-employed individual?
Supplement your pension as an individual with tax advantages through a supplementary pension agreement for the self-employed (SPAS).).
3RD PILLAR
SOLUTIONS :
Savings insurance
Add to your state pension with savings insurance. Get a tax deduction of 30% on premiums paid in.
Long-terme savings
Long-term saving to complement your pension. Get both together to benefit from life insurance with tax advantages.
4TH PILLAR
SOLUTIONS :
Voluntary saving
Progressively build pension capital with voluntary savings in the form of life insurance and property investing.
I want a life insurance for my savings plan :
Why supplement your legal pension in Belgium?
The statutory pension for the self-employed is low in 2021: approximately €880 net per month. Verify the amount of your future pension on Mypension. This amount does not give much hope for a comfortable and pleasant retirement.
This is why RGF Group is here to help you save up for a complementary pension. This life insurance plan will give you a range of tools to protect and diversify your pension capital thanks to tax advantages. You can transfer your assets with complete peace-of-mind and look forward to a retirement that meets your expectations.
How to supplement your statutory pension with a life insurance?
Want to build a pension plan? Want to protect your family and your estate? Intend to transfer your assets in the best possible way?
RGF Group helps you build your pension plan by thoroughly evaluating your financial situation. We will give you independent advice on the best options available to you, focusing on optimising tax for your situation.
Situation at your pension
To be filled…
Free Savings
Real Estate
Other ?
IPC
Group insurance
VSPSS
RIZIV STATUS
Savings insurance
Statutory pension
Online supplemental pension calculation
Set up an appointment with a broker
The RGF Group guarantees you the best rates, the best service and the best protection!
We will help you create your pension plan to guarantee you a well-deserved retirement!
