With a voluntary supplementary pension for the self-employed, you use your own funds to build up a supplementary pension. This type of pension insurance is often taken out in combination with a death benefit and/or replacement income insurance in the event of incapacity to work.

As a recognised doctor, dentist, pharmacist, physiotherapist, speech therapist or self-employed carer, you are entitled to an annual social benefit from the INAMI/RIZIV (National Institute for Sickness and Disability Insurance). You can use this to build up a supplementary pension and/or pay into a guaranteed income insurance policy in the event of death or incapacity to work.

An individual pension commitment is a personal life insurance policy for managers of companies. The premiums are paid by the company, whereby they are deductible as a business expense.

An individual pension commitment can also take the form of a group insurance policy, which can be joined by several managers.

You can also use the savings balance of your group insurance or individual pension commitment to purchase or construct private real estate. This form of real estate financing takes place via a 'policy advance', bullet loan or reconstructed loan.

Self-employed business managers can also take out managers' insurance to build up a supplementary pension. This insurance is taken out by the company on behalf of the manager in order to cover the risk (financial losses) of their retirement or death.

Individual pension savings are another way of building up capital for your pension. With this savings package, you will receive an income tax benefit. View all the options under Savings and investments.