Received your first quarterly social security statement? Don't forget to have your VAPZ optimized
2 min read
Life Experts contacts all clients with a VAPZ contract every year during the course of February, with the aim of optimizing the VAPZ contract.
Why optimize your VAPZ?
We check whether the premium you pay into your VAPZ contract is still optimal in light of the new fiscal maximums. It could indeed be that you can save more. This naturally gives you more fiscal advantage and a higher capital at retirement age. You definitely don't want to miss out on that. It is also possible that your premium needs to decrease slightly. Otherwise you pay too much premium and cannot deduct it fiscally. That is of course not the intention.
Your premium needs to be adjusted annually to the "reference income" which we can easily find on the social security contribution invoice. Life Experts writes to you personally during the course of February asking you to send us your first quarterly invoice for this. If, as a client, you have not received an email from us by the end of March, please contact us, or feel free to send us your first social security contribution invoice at beheer@lifeexperts.be
What will Life Experts do for you?
We carry out the calculation of the optimal premium and send you a proposal by return for adjusting your VAPZ contract. For clients with a company, Life Experts will also review the coherence with any savings contracts taken out through the company (the so called IPT, an individual pension commitment funded by your company). The IPT is then optimized before the end of your financial year.
What if you receive or received a similar question from your insurer or social secretariat?
Should you exceptionally receive questions directly from the insurance company about your reference income, you may refer them to Life Experts. Life Experts will indeed contact you every year during the course of February about your VAPZ and give you tailored advice. If you have already filled in a questionnaire from an insurance company, this is not a problem, but we would appreciate it if you would let Life Experts know about it.
Read here") more about the VAPZ as a unique fiscal insurance solution.
Read here more about Life Experts and our unique approach.
Questions about your own situation?
This article is general information. Your adviser will look at what it means for you.