{"id":3203,"date":"2021-03-03T10:27:49","date_gmt":"2021-03-03T09:27:49","guid":{"rendered":"https:\/\/mysavings.be\/article\/ou-souscrire-mon-revenu-garanti\/"},"modified":"2021-05-07T09:37:15","modified_gmt":"2021-05-07T07:37:15","slug":"ou-souscrire-mon-revenu-garanti","status":"publish","type":"silo","link":"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/revenu-garanti\/article\/ou-souscrire-mon-revenu-garanti\/","title":{"rendered":"O\u00f9 souscrire mon revenu garanti?"},"content":{"rendered":"<p>Tout d\u00e9pends de vos besoins. La solution la moins co\u00fbteuse est de coupler votre assurance \u00e0 une assurance vie (fiscale), en tant que couverture compl\u00e9mentaire. Vous obtenez alors un tarif plus int\u00e9ressant en raison de la combinaison avec une constitution de pension et une couverture d\u00e9c\u00e8s.<\/p>\n<p>Par ailleurs, cela d\u00e9pendra entre autres de votre statut\u00a0:<\/p>\n<p><strong>Ind\u00e9pendants en soci\u00e9t\u00e9\u00a0:<\/strong> combinaison avec un EIP ou assurance groupe, mais limit\u00e9 sur base de votre r\u00e9mun\u00e9ration brute.<img loading=\"lazy\" decoding=\"async\" style=\"float: right; margin: 20px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/hangendaaneenrots.jpg\" alt=\"o\u00f9 revenu garanti?\" width=\"254\" height=\"205\" \/><br \/>\nD\u2019un point de vue fiscal vous ne pourrez pas assurer plus de 100% de votre revenu, c\u2019est-\u00e0-dire au maximum la r\u00e9mun\u00e9ration brute annuelle que vous retirez de votre soci\u00e9t\u00e9. La plupart des assureurs limitent encore ce montant en prenant en compte l\u2019intervention l\u00e9gale, donc il faut d\u00e9duire le montant estim\u00e9 que vous percevrez de l\u2019INAMI de votre r\u00e9mun\u00e9ration brute afin de d\u00e9finir le montant maximum \u00e0 assurer.<\/p>\n<p><strong>Exemple\u00a0:<\/strong> r\u00e9mun\u00e9ration brute de 40.000 \u20ac &#8211; intervention l\u00e9gale de 12.000 \u20ac = montant maximal \u00e0 assurer de 28.000 \u20ac sur base annuelle. Votre soci\u00e9t\u00e9 paie la prime et vous b\u00e9n\u00e9ficiez personnellement de l\u2019avantage et toucher le paiement en priv\u00e9.<\/p>\n<p>Si vous trouvez que c\u2019est insuffisant ou que vous avez des charges fixes \u00e9lev\u00e9es en soci\u00e9t\u00e9 (m\u00e9decin, management, exploitation, \u2026) vous pouvez opter pour une assurance chiffre d\u2019affaires. Il s\u2019agit d\u2019une assurance revenu garanti qui effectue le paiement \u00e0 votre soci\u00e9t\u00e9. La soci\u00e9t\u00e9 paie la prime, fiscalement d\u00e9ductible, le paiement est ensuite imposable. Le montant que vous pouvez assurer n\u2019est pas illimit\u00e9 mais est entre autres fonction de la marge brute que vous r\u00e9alisez, il faut qu\u2019il y ait un besoin r\u00e9el.<\/p>\n<p>Contactez-nous pour une proposition sans engagement.<\/p>\n<p><a href=\"https:\/\/mysavings.be\/fr\/nos-produits\/pension\/pension-libre-complementaire-pour-salaries-plcs\/article\/demarrer-constitution-pension-complementaire\/\">D\u00e9marrer la constitution d&rsquo;une pension compl\u00e9mentaire.\u00a0<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tout d\u00e9pends de vos besoins. La solution la moins co\u00fbteuse est de coupler votre assurance \u00e0 une assurance vie (fiscale), en tant que couverture compl\u00e9mentaire. Vous obtenez alors un tarif plus int\u00e9ressant en raison de la combinaison avec une constitution de pension et une couverture d\u00e9c\u00e8s. Par ailleurs, cela d\u00e9pendra entre autres de votre statut\u00a0: [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":131,"template":"","class_list":["post-3203","silo","type-silo","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>O\u00f9 souscrire mon revenu garanti? - MySavings<\/title>\n<meta name=\"description\" content=\"S&#039;assurer - Revenu garanti | D\u00e9couvrez les options qui s&#039;offrent \u00e0 vous suivant votre statut professionnel | MySavings\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/onze-producten\/s-assurer\/revenu-garanti\/article\/ou-souscrire-mon-revenu-garanti\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"O\u00f9 souscrire mon revenu garanti? 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