The extra-legal benefit par excellence: the Securex Group Insurance plan
You know it all too well: a carefully considered package of extralegal benefits will convince suitable candidates to choose your company. What’s more, it will motivate your best employees and will ensure your employees’ commitment to your company.
The Securex Group Insurance Plan is the extralegal raise par excellence.
The Securex Group Insurance for employees: an attractive incentive
The Securex Group Insurance plan is an attractive alternative to classic salary raises and will give you a strong extra-legal incentive to boost the loyalty of your employees.
Instead of a direct raise, you will transfer a monthly premium into the group insurance plan on behalf of your employee. You save on wage costs, while contributing to a complementary pension capital for your employees.
You are always in charge:
- You yourself decide which employees take part in the group insurance plan.
- You choose the extent of the insurance plan.
- Does your employee want additional cover beyond your contributions? Then the employee will pay the additional premium himself.
Benefits for your company
An ordinary raise can be quite expensive: On top of the net raise, you are required to pay social security, taxes, etc. What may appear a small bonus to your employee requires a hefty financial effort on behalf of your company. And this may not always be feasible.
The Securex Group Insurance provides a solution to this problem:
- All premiums can be deducted as professional expenses;
- The taxes amount to only 4.4%;
- The social security charges are limited to 8.86%;
- A small monthly premium will result in a considerable capital in the long term.
Benefits for your employees
- Extra capital on top of the normal pension;
- Participation in Securex’s profits, on top of the normal capitalisation of the contributions;
- A benefit paid out to the surviving spouse, should your employee die before retirement age;
- Retention of all rights acquired to the capital in case of bankruptcy of your company;
- Fiscal rebate of own premiums;
- Beneficial fiscal system upon payment;
- Free choice with regard to the destination of one's contract upon resignation/dismissal;
- The group insurance contract can be used as a security to cover a mortgage loan;
- Possibility to receive an advance on the capital.
