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Self-employed individuals & SME Life insurance

Allianz offers self-employed individuals and SMEs the right solution for each event that threatens working life income.

 

Retirement Death Disability Hospitalisation and
medical expenses

Consequences
Severe fall in earnings:

Statutory pension between EUR 984 and EUR 1,379/month.		 Decline in family's standard of living:

Survivors' pension:
  • In the event of death before retirement, the calculation is based on a shortened career (20 years until death)


  • In the event of death before retirement, survivors' pension = 80% of the retirement pension
 Self-employed individuals:

Between EUR 0 on the 1st of the month and EUR 1,332.50 afterwards (rate not associated with income)

Employees:

From 100% on the 1st of the month to 60% of maximum earnings afterwards		 Expenses partially reimbursed by the Mutual insurance company

Solutions

Complementary pension

Accumulation possible within the limitations of tax immunisation

Improved return thanks to:

  • saving social contributions


  • tax gain


  • fixed-term taxation (10%)
 Guaranteed death benefit (with or without a retirement contract)

  • Complementary Accident Risk Insurance


  • No succession rights for salaried employees in group insurance for spouse and children under 21 years old
 Complementary Disability Risk Insurance:

  • Exemption from paying premiums


  • Annual or monthly allowance


In addition for self-employed individuals:

  • Allowance for general fees


  • Set capital
 Group health insurance

  • Group rate for small groups as well


  • Third-party payment service AssurCard
Retirement Death Disability Hospitalisation and
medical expenses

Independent director

Complementary free pension for self-employed individuals (PLCI)
Plan for Life

Manager Plan
Individual pension commitment
Group pension commitment

  

Employees

Easy Plan / Salary Plan
Group insurance

One to One Plan
Individual pension commitment

Hospit-All
Health insurance