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What's changing on tax, where the self-employed run into trouble, and how you can tackle it better? We write it up in plain language.

Protection17 November 2025

Personal Accident Insurance: this is how you tackle it

Discover what a personal accident insurance is and how it works.

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15 October 2025Dorien Geudens strengthens Life ExpertsDorien strengthens our administration team from October 2025.Life Experts
2 October 2025What is a personal insurance and why can it save you thousands of euros?Discover what a personal insurance is, how it works and why it can save you thousands of euros in the long term.Protection
21 November 2024Increase of the statutory return guarantee on group insurance from 01/01/2025To protect members, a minimum return guarantee was introduced. The organiser must make up any shortfalls itself. The minimum return guarantee rises to 2.5% from next year.Employee Benefits
20 February 2024What should you do with your old group insurance when you have changed employers?When you leave employment you receive an overview of your group insurance and you are asked to make a number of choices. But which choice is best?Employee Benefits
17 February 2024Which documents must be provided to the tax authorities for the 80% rule?What should you do with the tax certificate and the information sheet that the insurer provides to you following the introduction or the modification of a pension plan?Taxation
26 January 2024Building wealth via the company becomes even easier thanks to new Branch 6 legislationBuilding wealth via the company becomes easier. The legislator has definitively regulated the tax treatment of the Branch 6 capitalisation contracts.Taxation
19 January 2024What is the statutory return guarantee on group insurance?To protect members, a minimum return guarantee was introduced. The organiser must make up any shortfalls itself.Employee Benefits
18 January 2024Tax optimisation VAPZ 2024Every year, Life Experts checks whether your free supplementary pension for the self-employed (VAPZ) contract is still optimal in relation to the new tax maxima.Taxation
8 January 2024Guaranteed income insurance also up to age 67In certain cases you can extend your existing guaranteed income policy up to age 67 without medical formalities.Taxation
16 December 2023How to arrange your reimbursement of outpatient medical costs via AssurMed?You can arrange this by logging into Helena, among others.Health
14 December 2023Transparency Act: more insight into supplementary pensionThis act has the effect that from 2025 more information becomes available about your supplementary pension.Employee Benefits
8 December 2023Our good resolutions for 2024? We continue to support Plan International!By being a client of Life Experts, you also help Plan International. Thank you for that!Life Experts
6 December 2023How to calculate your maximum premium for VAPZ?The maximum premium you can pay into VAPZ is determined according to the reference income on which your social security contribution is calculated. Where can you find this reference income?Taxation
19 October 2023What does the investment option ‘drip feed’ involve?A drip feed is an indispensable instrument for a one-off investment.Investing
29 September 2023Depositing into an IPT, a good idea?Absolutely. An IPT (an individual pension commitment funded by your company) offers almost a ratio of 1 to 1 in terms of net cost in the company versus net proceeds in the private sphere.Taxation
22 September 2023Help, my collective medical expenses policy is being indexedHow can I check whether the index my insurer applies is actually correct?Employee Benefits
12 July 2023Supplementary pensions: the Wijninckx contribution will increase from 3% to 6% in 2028The pension reform of July 2023 also has a (limited) impact on supplementary pensions.Pension
12 July 2023Midwives now also gain access to the many benefits of RIZIV and VAPLZ contractsIf you work as a conventioned midwife, you qualify for an extra annual allowance via RIZIV (the national health and disability insurance institute), an important improvement in the social status of midwives.Investing
13 June 2023The swan song of long-term savings?The future of Long-Term Savings is uncertain. Taking out a contract now is the message!Taxation
18 April 2023Lisa Dekoning strengthens Life Experts (1)Lisa strengthens our administrative team from April 2023.Life Experts
28 February 2023Vivium: automatic paid-up conversion in the event of non-payment of the policyFrom March 2023, Vivium will start making contracts without premium payment since the beginning of 2022 paid-up.News
14 February 2023VAPZ tax optimization 2023Every year, Life Experts checks whether your VAPZ (the free supplementary pension for the self-employed) contract is still optimal in relation to the new tax maximums.Taxation
23 December 2022Update: digital mandate now possible for MyPension!As the mandate giver, you grant access to your online pension file to a third person.Pension
17 December 2022Changes to "The right to be forgotten" for former cancer patients from 27 November 2022The aim is a shortened period of five years for people who have had cancer.Protection
2 December 2022What does the 'automatic drip feed' investment option involve?You spread risk, among other things, by spreading your investment over time. But what if you make a one-time payment?Investing
23 November 2022You want to give (your) children every opportunity. But, what does a child cost?What is an "Omnium for parents" and what does it cost?Protection
30 September 2022When is a missing person considered deceased?When is a missing person considered deceased?Protection
31 August 2022Equalization of self-employed and employee pensions: additional clarificationsAn addendum to Circular 2022/C/33 was published on 29 August 2022. This addendum contains clarifications, and explanation regarding the administrative tolerance.Taxation
31 August 2022Annual tax optimization of your IPT 2022: keep an eye on your mailboxLife Experts checks the 80% rule for its clients every year. For this purpose, we send you and your accountant a pre-filled information form in good time. This year we need some extra information.Taxation
28 June 2022Is assistance insurance useful if my family already benefits from assistance coverage in the hospitalization policy?A separate assistance policy perfectly supplements the assistance coverage of a hospitalization policy. In certain cases, the assistance coverage of the hospitalization policy may be sufficient. Inform yourself before you leave, or before you book your trip.Health
1 June 2022How can you file your hospitalization costs if you have a DKV policy?Our DKV FAQ has been updated.Health
24 May 2022How does the payout of a supplementary pension take place?For once, you (almost) do not have to do anything.Pension
22 May 2022Equalization of self-employed and employee pensions: what are the consequences for your IPT? (part II)Life Experts is already applying a new calculation of the 80% rule based on its own calculation model. This way, as a client, you can be certain about the tax possibilities of your IPT (an individual pension commitment funded by your company).Taxation
23 March 2022On 22 March 2022, the 'PEPP', or the pan-European personal pension product, was launchedWith the PEPP, the European Union has launched a new international pension product. Curious what this could mean for you?Taxation
16 March 2022Received your first quarterly social security statement? Don't forget to have your VAPZ optimizedIn February, most self-employed people received their first payment request for the quarterly social security contribution in the mail. If you have an ongoing VAPZ (the free supplementary pension for the self-employed), this document contains the information we need to optimize your VAPZ contribution.Taxation
7 March 2022Are you also offering your employees dental care coverage in 2022?Over the past four years, the number of collective dental and outpatient expense insurance policies taken out by companies with insurer DKV has increased by 50%.Employee Benefits
3 March 2022About the Verwilghen ActPractical information for our employer clients about the Verwilghen Act has been added to our Indexes and Threshold Amounts section.Employee Benefits
1 March 2022Life Experts is looking for an Administrative-Commercial Employee for Life & Employee BenefitsWe are expanding our team.Life Experts
1 March 2022What does ESG mean?Targeted investing can have an immense impact on a better world. Introducing objective ESG criteria will make it possible for us to consciously choose the impact we personally have.Investing
26 February 2022New Life Experts profile test now also surveys your preference regarding sustainabilityTowards impact driven investing: our profile test now also surveys the preference you have as a client regarding sustainability. This way we can better tailor our advice to your needs.News
17 February 2022About the anticipatory levyCheck the extensive "indexes and threshold amounts" section on this website for more information.Taxation
10 February 2022RIZIV policy payment 2022 for activity year 2021Update for Doctor and Dentist clients.News
7 February 2022Do you remember... the Maximum Invoice?Only one in three Belgians is aware of the costs that healthcare brings for them. For every 5 euro cost for healthcare, the Belgian pays 1 euro themselves, despite the Maximum Invoice.Health
7 February 2022Update: \"The right to be forgotten\" valid for guaranteed income insurance from February 2022The insurance sector is introducing an additional code of conduct that obliges insurers, in the context of guaranteed income, to "forget the past" in certain cases for former cancer patients.Protection
14 January 2022New fiscal threshold amounts for 2022 are available on our websiteThe current fiscal ceilings for 2022 linked to personal insurance have just been published on this website.Taxation
28 December 2021Life Experts' advisory score: we deliver on our promiseLast year we promised to lift our advisory score above 9 points. And we succeeded.Life Experts
9 December 2021Do you save through insurance via Branch 23? Then paying in monthly is a good ideaThe advantage of regular monthly payments is that you can expect a higher return and that it removes emotional factors.Investing
1 September 2021Why an IPT is (increasingly often) more advantageous than a VAPZWhether an IPT (an individual pension commitment funded by your company) is better taken out on its own, or combined with a VAPZ (the free supplementary pension for the self-employed), is highly dependent on personal circumstances. We explain this using calculation examples.Taxation
10 August 2021Equalization of self-employed and employee pensions: what are the consequences for your IPT?Equalization of self-employed and employee pensions: what are the consequences for your IPT (an individual pension commitment funded by your company)?Taxation
4 June 2021Are you a broker, and has filling in the FSMA's AML Survey also given you quite a headache? Choose Life ExpertsLife Experts' partner brokers can rely on the support of Life Experts when filling in the FIMIS questionnaire.News
12 February 2021When can I withdraw my IPT at the favourable rate of 10%?To withdraw the pension capital in your IPT at a favourable rate of 10%, you must remain active until your legal retirement age, or have enough career years.Taxation
10 February 2021Tax-friendly 'Friend Inheritance' is a factFrom July, people will be able to leave up to 15.000 euro to good friends or distant relatives at the most favourable tax rate of 3 percent...Taxation
10 February 2021Insurance sector grants "right to be forgotten" to former cancer patientsThe insurance sector is introducing an additional code of conduct that obliges insurers, in the context of guaranteed income, to "forget the past" in certain cases for former cancer patients.Protection
12 January 2021Book an online appointment with one of our advisors yourself? You canThis makes scheduling simpler and avoids the back-and-forth emailing normally needed to find a good time to meet.News
30 December 2020Link to fund information from insurance companiesA link to fund information from insurers has been added.Investing
29 December 2020Thank you Hilde: our driving force behind a flawless optimisation campaignThe human approach to a tax optimisation cannot be underestimated.Life Experts
16 December 2020COVID-19: circular 2020/C/153 regarding the application of the 80% thresholdIn the event of a reduction in annual remuneration as a result of the COVID-19 crisis, the 80% rule may, under certain conditions, be calculated according to the original remuneration.Taxation
16 December 2020Life Experts' Advice Score is rising. And that is no coincidenceOur advice score is improving.Life Experts
27 November 2020IPT or Liquidation Reserve? The IPT is more tax-advantageousOften, liquidation reserve is chosen out of convenience. Tax-wise, however, an IPT is the best choice.Taxation
17 November 2020Last call for the transitional measure "buying back study years"The "buying back study years" regularisation, aimed at receiving a higher pension, still runs until the end of November 2020. Should you take up the seemingly attractive regularisation conditions?Pension
4 November 2020Inge Kauwenberghs strengthens Life ExpertsInge strengthens our team on 2 November 2020 and will take charge of studies and policy issuance.Life Experts
31 October 2020Are you self-employed or do you practise a liberal profession? Let us guide you with our 5-step planWe make sure your personal insurance policies are never again "that folder in the cabinet". With our fixed 5-step plan, we guarantee flawless service.News
31 October 2020Monthly contributions to a Branch 23 insurance policy: a good idea!Strong fluctuations in prices can earn you, as an investor, more return if you invest regularly.Protection
21 October 2020Covid-19: postponement of social security contributions for the self-employed and impact on the VAPZA postponement of the payment of social contributions in 2020 will not affect the tax deductibility of the VAPZ premium.Taxation
13 October 2020Janik Moors strengthens Life ExpertsJanik has 15 years of experience in the life insurance sector and helps us serve our partner brokers in the Limburg and Antwerp regions even better.Life Experts
3 October 2020Your personal insurance and COVID-19The impact of the coronavirus crisis is being felt in many areas. To help you cope with this crisis, insurers relaxed or adjusted a number of rules. So, at the very least, you do not need to worry about your life insurance or your disability insurance.Employee Benefits

67 articles.