For individuals
Pension savings
Pension savings build up a capital sum that will be added to your pension at the end of your career. Depending on your situation, payments entitle you to a tax reduction every year. We compare the insurance plans of our partner companies.
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 12 insurance companies compared
Our partner insurers
Useful if
- 1You want to pay less tax while preparing for retirement.
- 2You want to build a capital on top of your state pension.
- 3You want to compare a guaranteed return with a fund-linked plan.
What the policy can cover
- Free payments within the tax-deductible ceiling
- Annual tax reduction, depending on your situation
- Capital paid out at retirement, or to your family in the event of death
- Guaranteed-return or fund-linked plans, depending on the company
The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.
A capital sum for retirement, with a tax benefit every year
Pension savings let you build up a capital sum, year after year, which is added to your statutory pension at retirement. Depending on your situation, payments entitle you to an annual tax reduction within the limits set by law.
Two forms exist: a pension savings account or pension savings insurance. We only offer the second, in the form of an insurance contract with our partner companies.
Guaranteed return or fund-linked: two different approaches
A guaranteed-return plan protects the capital paid in and adds a return set by the insurer, generally on the cautious side. A fund-linked plan can offer a higher return over the long term, but also exposes you to a loss in value if the markets fall at the time you withdraw your capital.
The choice mainly depends on your time horizon before retirement and your tolerance for risk.
What happens to the capital in the event of death?
If you die before the contract matures, the capital built up goes to the beneficiaries you have named, not to the general estate, unless otherwise stated. This is a point to check when taking out the policy, especially in the case of a blended family.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
What is the tax advantage?
Payments give right to an annual tax reduction, within the tax ceiling and depending on your situation. The rules change, and we check the current conditions with you.
Guaranteed return or fund-linked?
With a guaranteed return plan, the insurer sets the return. A fund-linked plan follows the markets, with a less certain result. They are two different logics, to be chosen according to your profile.
What happens to the capital if I die?
It is paid to the beneficiaries named in the contract, for example your relatives. We check the beneficiary clause with you.
Can I pay in whatever amount I want?
Payments are free, within the tax ceiling. You can adjust the amount from one year to the next according to your budget.
Our other insurance products
For the self-employed and businesses- Home insuranceFire, water damage, theft. Required by the lender when you borrow for a property.
- Car and vehicle insuranceThird-party liability, mini-omnium or omnium cover, roadside assistance.
- Outstanding balance insuranceIt protects your family: in the event of death, the insurance repays the remaining capital in your place. Most lenders require it.
- Family liability insuranceDamage caused by you, your children, your pets, in everyday life.
- Hospitalisation insuranceThe share of hospital costs that the health fund does not reimburse.
- Legal protection insuranceThe legal costs of a dispute, with the lawyer of your choice.
