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Which life insurance policy should you choose?

Contract, pension, taxes, etc.

Life insurance

Set up a supplementary pension plan for self-employed people to enjoy additional capital on top of your statutory pension. Save as a self-employed person without a company, as a company director, or through your company to benefit from tax advantages. The RGF Group offers you the best guarantees, services, and rates to ensure you have peace of mind with your pension life insurance.

Saving for my retirement with life insurance in Belgium

You are

Independent with a company

Finance your supplementary pension with group insurance taken out through your company.

INAMI status

Supplementary pension for medical and paramedical professionals

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

Doctors
Dentists
Pharmacists
Physical therapists
Other paramedical professions

VAPZ

Supplementary pension for self-employed persons

Take advantage of attractive tax benefits on capital gains and pay up to 20% less in social security contributions.

IPT

Individual pension commitment in branch 21 and branch 23

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

All your premiums are tax deductible (80% rule)
Ideal for real estate investments
Safety and high efficiency

You are

Self-employed without a company

Enjoy tax benefits for your retirement as a self-employed person with a sole proprietorship

INAMI status

Adjusted supplementary pension for medical and paramedical professions

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

Doctors
Tandarsten
Pharmacists
Physical therapists
Other paramedical professions

VAPZ

Supplementary pension for self-employed persons

Pay up to 20% less in social security contributions and recover up to 50% (or even more) of your tax deduction.

POZ

Pension agreement for self-employed persons

Save for your supplementary pension with individual life insurance for self-employed individuals without a company:

30% tax benefit for the payment of premiums
Ideal for real estate investments
Final tax of 10% on capital

What are the four pillars of your pension in Belgium?

FIRST PILLAR

STAATSPENSIOEN

Statutory pension

Take an online online simulation and receive a personalized follow-up to help you develop your supplementary pension plan.

SECOND PILLAR

SOLUTIONS:

VAPZ

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

IPT / Group insurance

Build up a supplementary pension through your company thanks to an individual pension commitment (IPT), which is 100% tax deductible.

POZ

As a self-employed person without a company, supplement your pension with the tax benefits of a pension agreement for the self-employed (POZ).

THIRD PILLAR

SOLUTIONS:

Pension savings

Supplement your statutory pension with pension savings. Take advantage of a 30% tax benefit on the premiums paid.

Long-term savings

Long-term savings to supplement your pension savings. Combine the two and benefit from tax-efficient life insurance.

FOURTH PILLAR

SOLUTIONS:

Free savings

Gradually build up your retirement capital with a free savings account in the form of life insurance and invest in your real estate projects.

I would like to take out life insurance for my savings:

Performing an online simulation:

Pension savings – Life insurance

Supplementary Pension for the Self-Employed VAPZ

An IPT supplementary pension insurance policy

A POZ life insurance policy

Recurring financial investments

Why build up a supplementary pension in Belgium?

The statutory pension for self-employed persons in 2021 is not very high: you can expect to receive approximately €880 net per month. Check the amount of your future pension at MyPension. That amount is not a fortune that will guarantee you a comfortable and carefree retirement.

That is why Groep RGF assists you in building up a supplementary pension. With this life insurance policy, you have a real financial Swiss Army knife at your disposal to protect and diversify your pension capital thanks to tax advantages. This allows you to transfer your assets with peace of mind and look forward to a pension that meets your expectations.

How can you supplement your statutory pension with life insurance?

Would you like to start a retirement plan? Would you like to protect your assets and your family? Are you planning to transfer your assets under the best possible conditions?

Groep RGF guides you through the development of your contingency plan by drawing up a social and financial balance sheet. We provide you with independent advice on the best options available to you, while striving to optimize your situation from a tax perspective.