The EIP insurance or Individual Pension Commitment is a life insurance providing a capital at the time of retirement, and /or in the event of premature death. This insuranceis taken out by he company for the benefit of its manager or his heirs/ The premiums are paid by the company.
Essential advantage : you are the owner of the contract!
The RGF Group has an experienced team with outstanding skills in the field of Individual Pension Commitment insurance.
With Groupe RGF, you can choose your coverage literally “à la carte” to build up a package of extra-legal benefits that is totally tailored to your budget and your needs. It is by taking all these factors into account that the RGF Group makes the difference in order to respond positively to all requests, all situations and all developments.
Tool for building up pension capital
Particularly attractive tax and duty treatment
Financing of real estate projects
An EIP offers a lot of possibilities: :
The premiums paid are fully deductible for the company provided if :
The RGF Group offers you tailor-made plans and meets your specific expectations!
The Individual Pension Commitment is also an extraordinary tool for leveraging your property investments. Indeed, you can obtain advances on your I.P.C. for the purchase, construction or conversion of real estate located in Belgium or in the European Economic Area.
You can also reconstitute a mortgage loan or pledge the contract as security.
An individual pension commitment (IPC) is a life insurance policy that provides supplementary pension capital for company directors through their companies. By taking out an EIP insurance, you are the owner of the policy and benefit from very favourable tax treatment. Your company pays the premiums, which are fully deductible provided the 80% rule is respected. This life insurance can benefit the company director or the employees. Moreover, it is possible to combine an EIP with a group insurance and a supplementary free pension for the self-employed (SPAS).
If you are a company director and want to build up your supplementary pension, the individual pension commitment is a very good choice. Your company can take out an EIP insurance policy for you if you receive a regular monthly salary. In addition, you can combine your EIP with a VSPSS pension plan. In this way, you can benefit from numerous tax advantages:
Following the law of 18 December 2015, workers are obliged to liquidate their supplementary pension capital when they take their early retirement pension.
If you remain active until the age at which you meet the conditions for a full career (65 years now, 66 years from 2025 onwards), your supplementary pension capital (EIP) will be taxed at the preferential tax rate of 10%, even if you liquidate it before your 65th birthday. The points of attention are therefore:
In the first place, the VSPSS is the independent 3rd pillar pension contract that offers the best tax leverage. It is therefore generally a priority contract when setting up 2nd pillar insurance. The VSPSS is often supplemented by an EIP or a SPAS.
The individual pension commitment is a particularly interesting life insurance contract. The taxation of an IPC depends on your retirement age and your tax advantages as a company director are as follows:
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