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Contract, retirement, taxation, etc.

Supplementary pension in Belgium: preparing for my retirement with peace of mind...

Set up a supplementary pension plan for self-employed workers to receive additional capital on top of your statutory pension. Save as a self-employed worker, company director, or through your company to enjoy tax benefits. The RGF Group offers you the best coverage, services, and rates to ensure you have peace of mind when it comes to your retirement life insurance plan.

Online simulation

Life insurance for self-employed individuals, business owners, and employees

Finance your supplementary pension as an individual and/or as a company:

INAMI status

Supplementary pension tailored to medical and paramedical professions

Build up a supplementary pension with a choice of several savings plans for:

Doctors
Dentists
Pharmacists
Physical therapists
Other paramedical professions

PLCI

Supplementary pension for self-employed workers

Benefit from attractive capital taxation rates and reduce your social security contributions by up to 20%.

CPTI

Pension agreement for self-employed workers

Save for your supplementary pension with individual life insurance for self-employed individuals:

30% tax benefit for premium payments
Ideal for real estate investments
Final tax of 10% on capital

EIP / Group insurance

Individual pension commitment / Group insurance

Build up capital for your retirement with a particularly attractive life insurance policy paid for by your company:

All your premiums are tax deductible (80% rule).
Ideal for real estate investments
Safety & high performance

Group Insurance for Employees / Employee Benefits

Group insurance

As an employer, are you looking for creative solutions to optimize your employees' compensation packages?

Reduce payroll expenses
Optimize your employees' pension capital
Protect your employees against disability or death.

What are the four pillars of your pension in Belgium?

FIRST PILLAR

Statutory pension

Run an online simulation and receive personalized support to build your supplementary pension plan.

Calculate your statutory pension

SECOND PILLAR

PLCI

Are you self-employed?
Supplement your statutory pension with a voluntary supplementary pension for the self-employed (PLCI) and pay less tax.

PLCI free pension

EIP / Group insurance

Are you a company director?
Set up a supplementary pension through your company with an individual pension commitment (EIP) that is 100% tax deductible.

EIP group insurance

CPTI

Are you self-employed as a natural person?
Supplement your pension as a natural person with the tax advantages of a self-employed persons' agreement (CPTI).

CPTI pension agreement

3RD PILLAR

Pension savings

Supplement your statutory pension with a pension savings insurance plan. What's more, you can benefit from a tax reduction of up to 30% on the premiums paid.

Pension savings

Long-term savings

Long-term savings to complement your pension savings. Combine the two and enjoy tax-advantaged life insurance.

Long-term savings

4TH PILLAR

Free savings

Gradually build up your retirement savings with flexible savings in the form of life insurance and invest in your real estate projects.

Life insurance investments

Saving for my retirement with life insurance in Belgium:

Perform an online simulation

Pension savings – life insurance

A supplementary voluntary pension plan (PLCI)

Supplementary pension insurance EIP

A CPTI life insurance policy

Recurring investments

Online simulation

Why build up a supplementary pension in Belgium?

The statutory pension for self-employed workers is very low: expect around €1,000 net per month. Check the amount of your future pension on MyPension. This amount does not guarantee you a comfortable and happy retirement.

That's why the RGF Group supports you in setting up a supplementary pension. This life insurance policy provides you with a real financial Swiss Army knife to protect and diversify your pension capital thanks to favorable tax treatment. This allows you to pass on your assets with complete peace of mind and look forward to a retirement that meets your expectations.

How can you supplement your statutory pension with life insurance?

Would you like to set up a pension plan? Do you want to protect your assets and your family? Are you thinking about passing on your assets under the best possible conditions?

The RGF Group supports you in developing your pension plan by conducting a social and financial assessment. We provide you with independent advice on the best options available to you, while aiming to optimize your situation from a tax perspective.