Social security for independents is different to that of employees. Indeed, you are not subject to the same legal obligations, such as contributing to a Pillar 2 (LPP) or subscribing to accident insurance (LAA). However, should you be unable to work, you still have to be able to maintain your income. Maintaining your standard of living will also become a priority when you reach retirement. Qualibroker-Swiss Risk & Care offers you financial planning that can provide fiscally interesting solutions that are tailor-made for you.
These insurance and pension provision products are destined to all those who have an independent activity: lawyers, doctors, paramedical therapists, fiduciaries, asset managers, etc.
Loss of earnings insurance is essential as it guarantees that you will receive an income if you are unable to work due to either illness or accident. A choice of two models is available: insurance for damages and fixed sum insurance; fixed sum insurance is the best solution when you are starting out in your profession as the daily indemnities are paid no matter what the actual salary lost (less at the beginning of an activity, more later on).
Fixed sum insurance is not intended to compensate for an economic loss, unlike insurance for damages, but to cover a need, such as the payment of your fixed expenses (your office rent, your secretary's salary, your IT infrastructure, etc.).
Our experts are at your disposal to help you to negotiate a fixed sum insurance, to decide on the daily amount required and the waiting period.
As an independent, you must manage your pension provisions. Your mandatory contribution to the AVS will not suffice to maintain your standard of living when you retire.
The optional Pillar 2 is one of the best solutions possible for pension provisions for independents. It has numerous advantages:
However, the access conditions for a Pillar 2 are restrictive and may discourage many. With the help of your broker, it is no longer mission impossible. Qualibroker-Swiss Risk & Care can offer you solutions for pension provisions that are specially formulated for independents, particularly for the medical and legal professions.
While the Pillar 3 does not afford as many tax advantages as Pillar 2, it can however allow you to increase your retirement savings while reducing your taxes. If it is concluded with an insurance, it will also provide death and disability coverage. The Pillar 3 can be added to the Pillar 2 if you generate a large turnover. Cumulated, they will allow you to better prepare your retirement.
Retirement is a pivotal point for everyone, and it is better to prepare for it fully in order to ensure a smooth transition. Qualibroker-Swiss Risk & Care has the competence and savoir-faire to provide you with support for the key points of this preparation:
Should you choose a pension or capital? If you choose to take the capital (or if you do not have the choice, as the pension funds in certain sectors only provide for capital), it is wise to use a part of your assets to provide a pension (annuities, term-certain annuities) in order to cover you fixed expenses, but also to take advantage of tax reductions.
Our experts undertake to find you the best solutions and can, in the framework of an investment strategy (real estate, shares, etc.) put you in touch with our network of partners.
Our financial planning methodology is also applicable to your working life.
We can provide you with counselling and professional insurance offers that are adapted to your constraints and budget.
Do you have a project you want to develop, or do you need to invest in equipment? We have the solution to turn your ambition into reality.
Floods in the canton of Vaud, gale-force winds in the Neuchâtel mountains, a hailstorm in the Valais countryside, and record-breaking heat across the country; Switzerland has experienced extreme weather events that are increasingly severe and frequent, to the extent that insurance capacity for damages caused by natural disasters has become an area of concern.
What if insuring your business became child’s play, and taking out an insurance policy was just a matter of a few clicks? Utopia? Not at all. The dream becomes reality with a framework agreement. Here’s how:
Switzerland, renowned for its robust pension system, is facing major challenges as a result of its aging population and growing economic pressures.
According to the Job Stress Index for 2022, 30% of Swiss employees feel exhausted. At the heart of this new paradigm we have HR departments, managers and the need to establish a true culture of health within organisations.