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Which life insurance policy should you choose?

Contract, retirement, taxation, etc.

Insurance de vie

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 retirement with life insurance in Belgium

You are

Self-employed with a company

Finance your supplementary pension with a group insurance plan taken out by your company.

INAMI status

Complementary pension specific to medical and paramedical professions

Save up for a complementary pension with a choice among several forms of savings for:

Doctors
Dentists
Pharmacists
Physical therapists
Other paramedical practitioners

VSPSS

Voluntary Supplementary Pension Plan for the Self-Employed

Obtain tax benefits and reduce your social security contributions by up to 20%.

CPI

Individual Pension Commitment (Branch 21 and Branch 23)

Grow your retirement savings with a particularly attractive life insurance plan:

All your premiums are deductible (80% rule)
Ideal for real estate 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 to medical and paramedical professions

Save up for a complementary pension with a choice among several forms of saving for:

Doctors
Dentists
Pharmacists
Physical therapists
Other paramedical practitioners

VSPSS

Voluntary Supplementary Pension Plan 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 real estate investments
Final 10% tax on capital

What are the four pillars of your pension in Belgium?

FIRST PILLAR

STATE PENSION

Legal retirement

Make an online simulation and get personalized 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

Are you a company executive?
Get a complementary pension through your company thanks to an individual pension commitment (IPC) that is 100% tax deductible.

SPAS

Are you self-employed?
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-term savings

Long-term savings to supplement your pension. Get both together to benefit from life insurance with tax advantages.

4TH PILLAR

SOLUTIONS:

Voluntary saving

Gradually build up pension capital with voluntary savings in the form of life insurance and property investing.

I want life insurance for my savings plan:

I would like a simulation

A savings – life insurance

A voluntary pension plan VSPSS

An IPC insurance policy

A SPAS life insurance

Financial investments

Why supplement your legal pension in Belgium?

The statutory pension for the self-employed is low in 2021: approximately $1,000 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 supplementary 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 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 optimizing tax for your situation.