A VAPZ is intended for the self-employed and offers fiscal and social advantages. An IPT is arranged through a company and often allows for higher pension accrual for company directors.
Antilope De Bie Printing
Solutions
Individual pension commitment (IPC)
As a company director with a corporation, it is important to plan not only your business but also your personal financial future well. With an Individual Pension Commitment (IPC) you build up an additional pension through your company in a tax-efficient way.
An IPC is one of the most commonly used pension solutions for company directors. Your company pays the premiums, while you personally build up extra pension capital for the future. In this way, you combine pension accumulation, tax optimisation, and financial security.
What is an individual pension commitment insurance (IPC)?
An Individual Pension Commitment (IPT) is a pension insurance policy taken out by a company for its managing director. Through this insurance, the managing director builds up an additional pension on top of the statutory pension.
The premiums are paid by the company and, under certain conditions, are tax-deductible as an expense for the company. The accumulated capital is paid out upon retirement or, in some cases, can also be used for real estate financing.
An IPT can also include additional guarantees, such as death coverage or protection in the event of disability.
What are the benefits?
Covers the accumulation of supplementary pension benefits through your company.
Covers fiscal optimization because premiums are tax-deductible as an expense for the company.
Provides financial protection for your family through a death benefit.
Offers extra security in case of disability through additional guarantees.
Who is this insurance for?
An IPT is intended for company directors who work through a corporation and want to top up their pension in a tax-efficient way. Another important condition is that the director pays themselves a fixed gross salary every month.
Typical target groups are:
- Self-employed company directors with a private limited company, public limited company or other corporation
- Directors or managers of a corporation
- Entrepreneurs who want to use their corporation for pension accrual
For self-employed persons without a corporation, an Individual Pension Agreement for the Self-Employed (VAPZ) is often the first step in pension accrual.
What is covered and what is not?
What is insured? Possible coverages are:
- Build-up of supplementary pension capital
- Payment of the pension capital upon retirement
- Death benefit for surviving beneficiaries
- Additional protection in the event of incapacity for work
What is not covered?
- Withdrawals before retirement outside the legally permitted circumstances
- Benefits that are not included in the policy
- Pension accrual exceeding the statutory tax limits (the 80% rule)
How much does this insurance cost?
The premium of an IPC depends on various factors, such as:
- Your current income as a company director
- Your age and pension planning
- Marital status
- The desired pension capital
- The statutory 80% rule (which determines how much supplementary pension is tax-deductible)
Within these limits, your company can make premium payments that are tax-deductible, making an IPT often a very efficient pension solution for company directors. An advisor will help you determine the optimal premium and structure.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & committed
a tailor-made partner
Everyone has a different life situation, different plans, and different risks. That’s why we first listen to your story. Whether it’s about your home, family, mobility, or financial future, we provide advice tailored to what matters most to you. Together, we help you make informed decisions and build protection that fits your life, today and in the future.
Expertise & experience
already 80 years in insurance
With over 80 years’ experience, we help you make the right choices in an increasingly complex insurance landscape.Our specialists analyse your needs and provide clear, independent advice tailored to your situation. We help you make confident decisions, choose the right protection, and look to the future with greater certainty.
Certainty & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide cover that evolves alongside your life. As your life changes, we make sure your protection changes with it. If a claim or unexpected event occurs, our specialists support you from start to finish, helping you find the right solution with confidence.
Would you like to receive a quote?
We analyze your activities, contractual obligations, and risks. You will receive a clear, tailor-made proposal for your business.
Request a quote without obligation or contact us for personal advice.
Insights for entrepreneurs
10 June 2025
4 min.
Stock market volatility: Our vision and advice
Currently, there is panic in the stock market. The best thing you can do as an investor is to stay…
04 November 2022
3 min.
What does the new 80% rule mean for the supplementary pension you, as a…
If, as a self-employed entrepreneur, you save for an additional pension through an IPT, you should…
19 April 2022
3 min.
Financing real estate through your supplementary pension
To finance the purchase or renovation of real estate, you probably immediately think of a…
10 March 2022
2 min.
The maximum amounts for your tax-advantaged life insurances in 2022
Are you saving for a supplementary pension through tax-efficient solutions such as pension savings,…
Need help? Contact us
Didn't find the answer to your question or would you like to discuss your situation with a specialist? Our colleagues are happy to assist you.
Prefer faster help? Check out our frequently asked questions.
Our experts
