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Independent PLCI

PLCI insurance: supplementary pension plan for self-employed workers

Enjoy the benefits of a Supplementary Pension Insurance for the Self-Employed (PLCI) at the lowest costs on the market with a very attractive interest rate!

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The Supplementary Pension for the Self-Employed - PLCI

The PLCI allows you to build up a supplementary pension, guarantee a death benefit for your family if you die prematurely, or cover yourself in the event of disability.

This formula is specifically intended for self-employed workers and aims to compensate for the low level of their statutory pension.

The Supplementary Pension Plan for the Self-Employed allows you to benefit from attractive tax advantages linked to the accumulation of a supplementary pension.

The PLCI can only be taken out by a self-employed person who is up to date with their social security contributions.

Should you take out a PLCI when you start your business?

Any self-employed person starting their professional activity can also benefit from a PLCI.

The premium payable will be calculated in two ways: either on a flat-rate basis or on the basisof estimated income.

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The tax advantages of a Supplementary Pension Plan for the Self-Employed (PLCI)

The opportunity to benefit fromattractive tax rates!

Tax deduction:

Your savings allow you torecover up to 50% (and even more) of the payments madeeach year, with this tax recovery being calculated at the marginal rate.

Capital taxation:

In addition,capital taxationis more advantageous because it takes the form of a notional annuity.

Social security contributions:

This tax deduction alsoreducesyoursocial security contributions (up to 20%) payable on the taxable base.

Death coverage:

Your savings allow you torecover up to 50% (and even more) of the payments madeeach year, with this tax recovery being calculated at the marginal rate.