PLCI - Free Supplementary Pension
Build your retirement as a self-employed professional with tax advantages
Why Choose PLCI for Your Retirement?
Tax-efficient retirement planning designed specifically for Belgian self-employed professionals
Tax Deductible Contributions
PLCI contributions are fully tax-deductible as professional expenses, reducing your taxable income and overall tax burden while building retirement capital.
Flexible Contribution Amounts
Contribute up to 8.17% of your professional income (capped at approximately €3,600 annually), with flexibility to adjust contributions based on your annual business performance.
Guaranteed Retirement Capital
Build guaranteed retirement capital with minimum returns set by Belgian regulations, ensuring your contributions grow securely over time until retirement.
Death & Disability Coverage
PLCI contracts include optional death and disability coverage, protecting your family and ensuring coverage of outstanding contributions in case of incapacity.
Tax-Efficient Withdrawals
Retirement capital is taxed favorably upon withdrawal at retirement age (typically 10% tax), significantly lower than standard income tax rates on professional income.
Expert Comparison Service
We compare PLCI offerings from multiple Belgian insurers to find you the best returns, lowest fees, and most favorable terms for your self-employed pension plan.
PLCI Frequently Asked Questions
Everything you need to know about Free Supplementary Pension for Self-Employed professionals
Request Your PLCI Pension Quote
Get expert guidance on building your retirement savings with tax-advantaged PLCI pension solutions designed specifically for self-employed professionals and business owners.
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Secure Your Retirement as Self-Employed
Get a personalized PLCI quote and start building your retirement capital with immediate tax benefits tailored to self-employed professionals