Correct and complete information
We can only advise you optimally if you give us correct and complete information. Each appointment therefore lasts at least one hour, possibly longer.
Self-employed or liberal profession
As a self-employed company director, you are entitled to high expectations.
We make sure your personal insurance is never again 'that folder in the cupboard'. If you let us advise you, your insurance package becomes a tool you can use for life to take the worry off you, your family and your company.
What can you expect from us?
We optimise your personal insurance following a fixed step-by-step plan.
After an intensive start-up period in which we either set up or optimise your personal insurance package, we keep following up on you, your family and your company.
As a specialised insurance intermediary, we 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.
What is our step-by-step plan?
- 1
Information phase
We map out the short, medium and long-term expectations of you, your family or your company. We pay attention to the risks that a long life, an early death or an incapacity for work can bring for you, your family, your business partners or your company. Using a handy checklist, we bring together the data from MyPension, MyCareer, your current personal insurance policies and information from your accountant. This gives us a picture of your income and spending pattern, your current and future income, and the risks that are or are not insured.
- 2
Analysis phase
Based on your financial situation, your knowledge of and experience with financial products, and the projects and goals we have listed together, we draw up a clear overview. You will not get an endless analysis from us: on just a few pages you see what is in place and where the bottlenecks are. That way you stay in control, and in the next phase you can decide quickly and with full information.
- 3
Project phase
Our 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 products. Life Experts optimises your personal insurance not only from an insurance point of view, but also from a tax point of view. We explain all the features of the chosen product, all its advantages and disadvantages, the risks and the level of security it offers you. Because we are independent, we present quotes from different insurers. Only when everything is clear do we move on to the next step.
- 4
Contract phase
Have you made your choice? We then take care of drawing up the contract. During this step we may still need to ask you for some information and documents required to draw up the contract. Finally, signing the contract is the moment to check together with you that everything meets your expectations.
- 5
Follow-up phase
We keep taking the worry off your hands. Your personal situation can change. 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 you are entitled to a payout from your contract (disability, unemployment, death, pension, …), we stand by you and your family. We take care of all the formalities so that you and your family receive a payout as quickly as possible.
Which questions do we cover?
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 do we expect from you?
Your wishes and needs
We need a lot of information about your personal financial situation, your family situation, your wishes and your needs. This information helps us offer you the most suitable solution at the right price (for example taking into account your hobbies, your state of health, the countries you often travel to, …). That way you are guaranteed never to be over- or underinsured.
Information sheet and periodic check-up
Using our handy information sheet and a periodic check-up, we bring together the data from MyPension, MyCareer and your current personal insurance policies.
This gives us a picture of your income and spending pattern, your current assets and future income, and the risks that are or are not insured.
Your accountant
Your accountant also plays an important role here. It is the interplay between you, your accountant and Life Experts that makes sure your personal insurance is fully aligned with your tax situation.
A claim
In the later follow-up phase, it is important to report any claim (disability, death, …) as soon as possible. Together we go through the procedure to obtain a payment from the insurer and fill in the necessary documents.
Golden tips for a first conversation!
Insurance and investments
It is important that you give us insight into the insurance policies and investments you already have. That way we avoid you being over-, under- or badly insured.
Every change
To advise you optimally, we need to be informed of every change that may affect your financial situation (marriage, cohabitation, separation, birth, changes in your career, …). That way we can adjust your contracts to your changing needs.
Your identity card
For a number of services, all insurance brokers are required by law to make a copy of your identity card. So please always bring it with you.
Your investor profile
For a number of higher-risk products, you will need to fill in a questionnaire to determine your investor profile. That way we make sure the chosen solution matches the risk you are willing to take.