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Securex FCPS: Pension guarantees for the self-employed
A self-employed person has to provide for his retirement. The legal pension is quite low, and is coming under increasing pressure. So point your customers to a Free Complementary Pension for the Self-Employed with Securex Optimal. A flexible and unique life insurance, with which they can build a considerable pension capital. They thus assure themselves of a carefree pension and an immediate fiscal and social benefit.
A carefree pension
An FCPS at Securex is quite simple:
- The annual minimum payment is 100 euros, the maximum 8.17 percent of your customer’s annual income. The annual premium can never be higher than €2,571.
- We guarantee a fixed interest on the capital and a participation in the profits of our company.
- Once retired, your customer will be able to enjoy a wonderful complementary pension, without having to pay additional taxes.
Clear benefits
The benefits of a Securex FCPS are quite clear:
- Your customer chooses when he makes a contribution. An expensive month? Then he doesn’t have to set aside anything.
- Your customer chooses how much he will contribute. He can easily adjust the premium when he makes less or more.
- Less tax. Your customer can recoup up to 45 percent, because all premiums are entirely tax deductible.
- Less social contributions. Social security contributions will decrease as taxable income also decreases after deduction of premiums.
- At the end of the day you will enjoy lower tax. Your customer will not pay much tax on the end capital. Any participation in the profits are even entirely tax-free.
- Cover in case of decease. We will protect the partner should your customer die. Your customer won’t have to take care of anything.
human capital matters
