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.
A potentially higher return
- Branch 23: no capital guarantee, a wide range of funds to suit your personal risk profile .
- Financial options: limit your risk with the Stop-Loss option or drip switch.
- Fund of funds: for each risk profile our experts select various funds that they manage actively.
Find out more about our funds? Than visit our funds overview.
The optional risk covers for Death and Work Disability give you greater financial security. These covers top up your loss of income partially if you are suddenly unable to work as the result of sickness or accident, limiting the impact on your family income.
Through the new NN Wellbeing Services, we also keep a close eye on your mental ‘equilibrium’. That way, we are able to help you and your family to prevent or tackle mental health issues.
Read more about the optional risk covers for Death, Work Disability and Mental Wellbeing
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.