For freelancers, independent contractors, and medical professionals, the real risk is not planning ahead.
In the event of incapacity for work, you will receive a lump sum payment from your mutual insurance company. But let's be clear: this amount is far from covering your actual needs.
Whether you are a medical professional, paramedical professional, self-employed professional, entrepreneur, or other, you are solely responsible for generating your income, financing your fixed expenses, and meeting your pension goals. A prolonged absence can quickly jeopardize your standard of living, your business... and your future.
How much will you receive from your health insurance?
Well below what you need.
Today, a self-employed person who is unable to work receives, on average:
- €48.32 per day if he lives with a partner,
- €63.01 if it is isolated,
- €79.51 with family expenses.
The compensation paid by the mutual insurance company is therefore insufficient.
At this level of compensation, it is impossible to meet one's needs, fulfill one's professional commitments, and continue to build up a pension worthy of the name.
The real solution:
three-part protection!
The RGF Group has developed a specific approach for self-employed workers and professionals. It is based on three complementary types of coverage, designed to cover all of your expenses.
1. Guaranteed income
Each month, you receive replacement income equal to your actual needs, which supplements what your health insurance does not pay you. You continue to live comfortably, without dipping into your savings.
2. Revenue insurance
It protects your business: fixed costs, unavoidable expenses, staff, rent, equipment... everything that continues to run even when you are at a standstill. It is your company's lifeline.
3. Premium exemption
In the event of incapacity, your pension premiums (EIP, PLCI, free savings, etc.) are automatically covered by the insurer. You can be sure that you will build up your pension capital no matter what happens to you.
Three protections. One vision.
- Provide for your immediate needs
- Protect your business or practice
- Reach the retirement savings goal you have set for yourself
Don't let an inability to work ruin what you've built.
The RGF Group supports you with personalized solutions tailored to your status, income, and ambitions.
Contact us for a comprehensive analysis of your situation.
A dedicated expert will take the time to analyze your personal situation.
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