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LR FINANCES30YEARSOF TRUSTSince 1997

For the self-employed and businesses

Supplementary pension for the self-employed

The statutory pension of a self-employed person is often modest compared with their working income. A supplementary pension lets you build a lump sum or an annuity, and contributions may be tax-deductible if the legal conditions are met.

Receive an offer

Tell us what you want to insure. We'll come back to you with a priced proposal.

Our partner insurers

  • AXA
  • AG
  • NN
  • Allianz
  • Cardif
  • Baloise
  • DKV
  • DAS
  • Vivium
  • AFI ESCA
  • Patronale Life
  • ARAG

Useful if

  1. 1You are self-employed and your state pension looks too small.
  2. 2You run a company and want to build a capital through it.
  3. 3You are looking for a tax advantage while preparing retirement.

What the policy can cover

  • PLCI: free supplementary pension for the self-employed
  • EIP: individual pension commitment for company directors
  • Contributions deductible under conditions
  • Lump sum or annuity at retirement
  • Optional solidarity component, depending on the policy

The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.

PLCI or EIP: depending on your status

The PLCI is open to all self-employed people, whether they work in their own name or run a company. A company director can also benefit from an individual pension commitment (EIP), which the company takes out for them.

The rules of each scheme differ, notably on the contributions allowed. We check with you which one fits your situation.

The tax advantage

According to the FSMA, contributions to a PLCI agreement are deductible if the agreement complies with the legal rules, the contribution ceilings are respected and the self-employed person’s social security contributions are paid in full.

The ceilings change from year to year. We give you the figures in force when you take out the policy, after checking them.

Having your situation reviewed

Age, income, status, planned retirement date: these determine the right scheme. We compare our partner insurers and present the options. You decide.

What our clients say…

Read all reviews on Google
  • Je 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

    Rüstem Liman

    Financial manager

  • Pinar Mugla

    Pinar Mugla

    Sales associate, mortgages and insurance

  • Ali Kubat

    Ali Kubat

    Mortgages

  • Bayram Cakir

    Bayram Cakir

    Mortgages

  • Bahar Celik

    Bahar Celik

    Instalment loans

  • Tolga Demirkazik

    Tolga Demirkazik

    Insurance account manager

  • Sinan Yilmaz

    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

PLCI or EIP, which should I choose?

The PLCI is for a self-employed individual, the EIP for a company director. The right tool depends on your status, and we look at it with you.

Are the contributions deductible?

They can be under certain conditions, if the legal rules are met. We check your situation before proposing a contract.

Lump sum or annuity at retirement?

Depending on the contract, the supplementary pension is paid as a lump sum or as an annuity. We compare what our partner insurers offer.

Is my state pension not enough?

A self-employed person’s state pension is often modest compared with their working income. A supplementary pension lets you build a capital or an annuity.

Our other insurance products

For individuals