SME
As an SME, you are entitled to flexibility.
For your employees
What can you expect from us? As an SME, you are of course faced with questions about 'Employee Benefits'.
Life Experts knows the challenge of introducing and managing a 2nd pillar pension and/or medical expenses insurance for an SME. That means:
- practical
- simple
- discreet
- future proof
Life Experts guarantees a discreet and efficient approach for your SME.
For the company director and their family
What can you expect from us? Life Experts works to measure. We optimise the personal insurance of you and your family following a fixed step-by-step plan.
After an intensive start-up period in which we use a step-by-step plan to either set up or optimise your personal insurance package, we keep following up on you, your family and your company.
Our goal is to take care of you, your family and your company. As a specialised insurance intermediary, we therefore take our duty of care very seriously. That is why we only propose solutions that we ourselves understand 100%, and whose results we will assess together with you in the years ahead.
For your employees
How can we help you? Our conversations can cover the following topics:
- How can I introduce a supplementary pension in my company in a simple way?
- How do I recruit staff more easily through additional benefits?
- How can I introduce a medical expenses policy for employees and/or for myself and my family?
- How can I grant bonuses to employees in a tax-friendly way?
- How can I make sure that seniority or collective results have an effect on the supplementary pension of employees?
For yourself and your family
How can we help? Our conversations can cover the following topics:
- How can I protect myself, my family and my company against setbacks such as disability, an accident, death, ...?
- How do I make sure I have enough financial comfort later in life?
- How can I acquire real estate through 2nd pillar contracts?
- How can I save and invest in a more targeted way, in line with my profile?
- How do I prepare the transfer of my assets (inheritance, gifts, …)?
- How can a 2nd pillar insurance play a role in handing your company over to the next generation?
- How do I safeguard my company's commitments and its continuity?
- What is the impact of setting up a company on my personal insurance?
- What happens to my personal insurance in the event of divorce or death?
What is our step-by-step plan?
For the step-by-step plan for you as a company director, see here.
For the step-by-step plan for your employees, we work as follows:
- 1
Information phase
We start from a blank sheet and the question 'what do you want?'. We analyse your workforce on the basis of job titles, job descriptions and payroll files. You give us insight into the group insurance and medical expenses policies already in force.
- 2
Analysis phase
Based on your needs, we draw up a budget and possibly already a first quote. We check which insurers are of interest, or are themselves interested in a possible policy. We find out which Joint Committee your company belongs to and map out any supplementary pensions already insured there.
- 3
Project phase
Our vast experience and knowledge of the market mean you quickly take steps in the right direction. Based on the analysis of the solution that suits you best, we propose one or more solutions. Life Experts looks not only at the product features but also at the later management of the plan. We explain all the features of the chosen product, all its advantages and disadvantages, the risks and the level of security it offers your company. Because we are independent, we present quotes from different insurers. Only when everything is clear do we move on to the next step.
- 4
Decision phase
In this phase a plan rules document or policy is drawn up and reviewed together. We decide when the plan will start and how it will be communicated to your employees. During this step we may still need to ask you for some information and documents required to draw up the contract.
- 5
Communication phase
In this phase, which by law usually has to come before the decision, your employees are informed. Life Experts can support you with a presentation or personalised documents. In this phase employees can also ask questions, for example in the context of cafeteria plans or about the consequences for a hospitalisation insurance they took out personally.
- 6
Contract phase
Signing the contract is the moment to check together with you that everything meets your expectations. Together with your employees' enrolments, it is submitted to the insurer as one package.
- 7
Follow-up phase
We keep taking the worry off your company and any HR staff you have. It is important to check together regularly whether the advice given still matches your needs. If necessary, we look at other solutions together. If your contract no longer meets your needs, we guide you through adjusting it. We also inform you proactively if certain elements of your contract were to change. If employees are entitled to a payout (disability, unemployment, death, pension, …), we stand by you and by them.