If you are a self-employed senior executive with a fixed monthly salary, then an IPC or Individual Pension Commitment may be an attractive option for saving for a supplementary pension.
Is fiscally more attractive than a salary increase or a dividend
Protect yourself, your partner and your children in the event of you being unable to work or dying. And enjoy the benefits of mental health support via NN Wellbeing Services.
Choose from a wide range of investment funds that are best for you
Using this product a tax-efficient supplementary pension can be built up via the company, 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 their self-employed business manager in a manner that is fiscally favourable;
* that are prepared to take risks in order to build up the pension (risks in the form of value fluctuations) and/or
* that are mainly interested in the additional protection against the financial consequences of detah and/or work disability
This product is not suitable
* when the insured person's status is as an employee or public servant, or if the self-employed persons does not have the status of "self-employed business manager";
* for companies that are not prepared to to take a risk (in the form of value fluctuations) for building up a pension;
* when the person insured has 5 years or less to go before retirement age.
Fiscally attractive
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
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.
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.
Discuss with your broker what your investor profile is. This is essential for investing sensibly.
Company premiums and person premiums for pension/death
Premiums for Work Disability
Outpayment on retirement
Outpayment on death
Please go through all of the information about taxes and premiums in the product sheet
- Minimum: 1,500 euro per year or 1,000 euro per year if combined with another policy for the self-employed
- Maximum: the final pension accrued may not be more than 80% of your last normal pre-tax 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.
Read full details about fees in the Product sheet Scala Privilege
It is necessary to read the Information Financial Fact Sheet & the General Terms and Conditions before purchasing, registering, entering into, accepting, signing or opening a NN Scala Privilege
Algemene voorwaarden Scala (284.67 KB) Productfiche Scala privilege (1.04 MB) Productfiche Scala privilege voor loontrekkenden (650.92 KB) Tak 21 beheersreglement (376.22 KB) Tak 23 beheersreglement Scala (1.5 MB) Conditions générales Scala (254.93 KB) Fiche produit Scala privilege (1009.99 KB) Fiche produit Scala privilege pour salariés (649.63 KB) Règlement de gestion Branche 21 (383.22 KB) Règlement de gestion Branche 23 Scala (1.53 MB)If you have a complaint about your NN policy, please contact NN, Quality Care Center, 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.
