Life & Benefits

Ask our team of experts for information

  • A team of more than 100 experts at your service
  • Over 30 years of experience
  • Offices in Antwerp, Ghent, Brussels and Hasselt
  • This field is for validation purposes and should be left unchanged.

Group insurance – employees

Group insurance is taken out by the employer for the benefit of all employees of the company or part thereof, with the aim of providing them with additional benefits over and above those provided for in the statutory retirement and survivor’s pension.

This can be done via a collective business plan or a sectoral pension system, or both together.

An employer can offer various guarantees such as:

  • Accrual of a supplementary pension
  • Death benefit
  • Temporary incapacity benefit
  • A premium exemption (whereby the insurer continues to pay the premiums in the event of temporary incapacity for work)
  • Coverage for personal accidents

Setting up and managing a group insurance policy is done in consultation with the employer and employees and is particularly tailor-made.

IPT – managers

For self-employed persons with a company, an IPT (Individual Pension Commitment) can provide for the accrual of a substantial supplementary pension (possibly supplemented by the payment of a fixed amount in the event of death and other guarantees), with significant tax savings.

You build up a supplementary pension within your company, in addition to your statutory pension, but even if you would discontinue or sell your company, the accumulated reserves remain permanently acquired for you.

The premium paid is deductible as a professional expense, insofar as you do not exceed the ‘80% rule’. The maximum amount to be paid and tax-deductible depends on your gross annual remuneration.

POZ – self-employed persons without a company

For self-employed persons without a company, a POZ (Pension Agreement for Self-Employed Persons) can provide for the accrual of a substantial supplementary pension, in addition to your statutory pension.

The premium paid is deductible as a professional expense, insofar as you do not exceed the ‘80% rule’. The maximum amount to be deposited and tax-deductible depends on your income.

VAPZ – all self-employed persons

For the self-employed, a VAPZ (Free Supplementary Pension for the Self-employed) can provide for the accrual of an attractive supplementary pension (possibly supplemented by the payment of a fixed amount in the event of death and other guarantees), with significant tax savings.

You build up a supplementary pension privately, in addition to your statutory pension. The annual contributions are fully deductible as professional expenses. As a result, your net income, and thus also the social contributions, will decrease.

The maximum amount to be paid is determined by law and is adjusted annually.

Pension savings – all self-employed and employees

A contract for pension savings is a savings pot with a tax advantage. This contract can be concluded by wage-earners and by self-employed persons.

You build up a supplementary pension privately, in addition to your statutory pension. The payments you make for this pension entail a tax reduction in personal income tax of up to 30% of the premium.

The maximum amount to be deposited is determined by law and is regularly adjusted.

Guaranteed wage or benefit in the event of incapacity for work

As a self-employed person, protect yourself and your family from the risk of your incapacity for work due to illness or accident.

This insurance provides you with a replacement income in addition to any benefit from your health insurance fund during this period.

Hoe kunnen we uw onderneming helpen?

  • Occupational accidents
  • Excess
  • Accidents in private life
  • Accidents to self-employed persons 24/24
  • Hospitalization
  • Group insurance – employees
  • IPT – managers
  • POZ – self-employed persons without a company
  • VAPZ – all self-employed persons
  • Pension savings – all self-employed and employees
  • Guaranteed wage or benefit in the event of incapacity for work
  • Material damage – the ‘fire insurance’
  • Business interruption
  • Machinery breakdown
  • Assembly and testing
  • Construction all risk
  • Electronics
  • Theft
  • Money and valuables
  • The compulsory third party liability insurance for motor vehicles
  • The other non-compulsory insurances to supplement the third party liability
  • The (partial) comprehensive insurance
  • The insurance for the driver or occupants
  • Legal assistance insurance
  • Assistance insurance
  • Business operations civil liability
  • Civil liability for damage to entrusted objects
  • Civil liability after delivery/after execution of the work = product liability
  • Professional liability
  • Objective liability for fire or explosion
  • Directors & officers liability (D&O)
  • P&I
  • Hull & Machinery
  • Builders’ Risk
  • Cargo insurance
  • CMR
  • Crisis management 24/24 and 7/7,
  • (forensic) IT professionals,
  • Specialized legal assistance for any breach of privacy and GDPR legislation.
  • Credit
  • Fraud
  • Security and warranty insurance
  • W&I
  • Company legal assistance
  • Environmental liability
  • Recall and product contamination
  • Decennal / Ten-year liability in construction
  • Art and valuable objects
  • Reizen individueel / collectief
  • Kidnap & ransom
  • Political risks
  • Events
  • Travel assistance
  • Other events?
Stop!

risk analysis
Through mutual consultation, we map the bottlenecks within the company. Based on this, we provide a tailor-made solution

prevention management
We detect potential risks and provide a global prevention policy adapted to the company in which you operate.

Customers we enjoy working for

We use cookies or similar technologies (e.g. pixels or social media plug-ins) to optimise your user experience on our website, among other things. In addition, we wish to use analytical and marketing cookies to personalise your visit to our website, to send targeted advertisements to you, and to give us more insight into your use of our website.

Do you consent to our use of cookies for an optimal website experience, so that we can improve our website and surprise you with advertisements? Then confirm with ‘OK’.

Conversely, would you like to set specific preferences for different types of cookies? This can be done via our Cookie Policy. Would you like more information about our use of cookies or how to delete cookies? Please read our Cookie Policy.