Scala Executive is a group insurance policy for senior executives. With it, you save for a supplementary pension and the policy provides income protection. In this way, Scala Executive offers a solution if your company has various senior executives who are self-employed.
Supplementary pension plan for self-employed senior executives who have monthly remuneration in your company
Fiscally attractive solution
Optional cover to protect yourself, your partner and/or your family in the event of work disability and death
This product enables a supplementary pension to be built up via the company in a tax-efficient manner for groups of self-employed company managers, whether or not with additional protection against the financial consequences of death and/or work disability.
This product is intended for companies
* that wish to supplement the pension of a category of their self-employed company managers consisting of more than 1 person in a tax-efficient manner;
* that are prepared to take the risk (in the form of value fluctuations) to build up the pension and/or
* that are particularly interested in the additional protection against the financial consequences of death and/or work disability.
This product is not suitable
* when at least one of the persons insured has the status of an employee or public servant, or when the self-employed persons do not have the status of "self-employed company manager";
* for companies that are not prepared to take a risk (in the form of value fluctuations) to build up the pension;
* when at least one of the persons insured has 5 years or less to go until retirement age.
Your company pays the premiums, with you and any other senior executives as beneficiary(ies). Your company can deduct the premiums as professional expenses, within the limits of the 80% rule.
The rule states that statutory and supplementary pensions, expressed in annual benefits, may not be more than 80% of the last gross annual remuneration. No consideration is taken of policies taken out individually, such as pension savings.
the optional risk cover for Death and Work Disability will give you more financial security.
These protective risk covers may compensate for part of any loss of income if you are suddenly unable to work due to illness or accident. That way you can limit the impact on your family income if something happens to you.
Read more about the optional risk covers for Death and Work Disability.
Looking to build, buy or renovate? If so, you can use your Scala Executive group insurance.
In certain cases, you can pay premiums for the past service. This is called a back-service. Were you an employee for a number of years before you became self-employed? If you were, then you can make previous years. You can go back a maximum of 10 years – and the 80% rule also applies here.
As a company, you can also deduct the back-service in full as a professional expense.
Discuss with your broker which option is the most interesting for you.
Discuss with your broker what your investor profile is. This is essential for investing sensibly.
Company premiums and personal premiums for pension/death
Premiums for Work Disability
Outpayment on retirement
Outpayment on death
Please go through all of the information and details about all taxes in the product sheet
Product sheet Scala Executive for the self-employed
- Minimum: 1,500 euro per year or 1,000 euro per year if combined with a group or key person policy
- Maximum: the final pension accrued may not be more than 80% of your last normal gross annual remuneration.
To calculate your final pension, your statutory pension and other supplementary policies, such as a Free Supplementary Pension (VAPZ) or a group insurance policy will be taken into consideration.
The premiums for the supplementary covers are calculated in addition to this budget (excluding the premium for death cover).
Read full details about fees in the Product sheet Scala Executive for the self-employed
It is necessary to read the 'Productfiche Scala executive voor zelfstandigen' before purchasing, subscribing, accepting, signing or opening an NN Scala executive contract;
If you have a complaint about your NN policy, please contact NN, Quality Team, 38 Fonsnylaan, 1060 Brussels. Send an e-mail in the first instance to klachten@nn.be. Or contact the Consumer Ombudsman Service at the Insurance Ombudsman, 35 de Meeûssquare, 1000 Brussels. Tel: +32(0)2 547 58 71, fax: +32(0)2 547 59 75, info@ombudsman.as, www.ombudsman.as. It is also possible at all times to take legal action.
