Your company pays the IPC premiums, with you as the beneficiary. 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 account is taken of policies taken out individually, such as pension savings.
Choose the way you save: Branch 23, Branch 21 or a combination
- Branch 23: no capital guarantee, but possibly a higher return in the longer term.
- Branch 21: capital guarantee and guaranteed interest rate. You can boost any profit-sharing by investing in Branch 23.
- Fund of funds: for each risk profile our experts select various funds that they manage actively.
Optional risk cover
The optional risk cover for Death and Work Disability will give you more financial security.
These protective risk covers may make up for part of loss of income if you are suddenly unable to work due to illness or accident. That way if something happens to you.
Read more about the optional risk covers for Death and Work Disability.
Invest in property with Scala Privilege
Looking to build, buy or renovate? If so, you can use your Scala Privilege IPC.
- A bullet loan: a bullet loan is a housing loan with the reconstitution of capital built up through an IPC. Read all about the bullet loan.
- Take a low-cost
- Or pledge your policy if you buy, build or renovate a property.
Catch up on contributions from the past
In certain cases, your company can for 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.