{"id":3687,"date":"2021-03-12T14:08:19","date_gmt":"2021-03-12T13:08:19","guid":{"rendered":"https:\/\/staging.avixi.be\/?page_id=3687"},"modified":"2023-01-20T12:38:19","modified_gmt":"2023-01-20T11:38:19","slug":"la-pension-libre-complementaire-plci","status":"publish","type":"page","link":"https:\/\/staging.avixi.be\/fr\/assurances-complementaires\/pension-complementaire\/la-pension-libre-complementaire-plci\/","title":{"rendered":"La pension libre compl\u00e9mentaire (PLCI)"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1560px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_4 3_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:75%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.56%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.56%;--awb-width-medium:75%;--awb-order-medium:0;--awb-spacing-right-medium:2.56%;--awb-spacing-left-medium:2.56%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><nav class=\"fusion-breadcrumbs fusion-breadcrumbs-1\" style=\"--awb-breadcrumb-sep:&#039;\/&#039;;\" aria-label=\"Breadcrumb\"><ol class=\"awb-breadcrumb-list\"><li class=\"fusion-breadcrumb-item awb-breadcrumb-sep awb-home\" ><a href=\"https:\/\/staging.avixi.be\/fr\/\" class=\"fusion-breadcrumb-link\"><span >Home<\/span><\/a><\/li><\/ol><\/nav><div class=\"fusion-text fusion-text-1\"><h1 data-fontsize=\"36\" data-lineheight=\"41.76px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:36; line-height: 1.16; --minFontSize:36;\">La pension libre compl\u00e9mentaire (PLCI)<\/h1>\n<hr>\n<h2 data-fontsize=\"28\" data-lineheight=\"33.6px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:28; line-height: 1.2; --minFontSize:28;\">Qu\u2019est-ce que la pension libre compl\u00e9mentaire ?<\/h2>\n<p>En versant des primes pour la pension libre compl\u00e9mentaire pour ind\u00e9pendants (PLCI), vous vous constituez un capital pension suppl\u00e9mentaire \u00e0 des conditions tr\u00e8s int\u00e9ressantes. Pour cette assurance compl\u00e9mentaire, vous avez deux options, \u00e0 savoir la PLCI ordinaire et la PLCI sociale.<\/p>\n<p>Avec la PLCI \u00ab ordinaire \u00bb, vous constituez un capital par le biais de tous les versements effectu\u00e9s pendant la dur\u00e9e du contrat. Libre \u00e0 vous de d\u00e9terminer la somme \u00e0 verser, pour autant qu\u2019elle soit comprise entre 100 euros et un plafond correspondant \u00e0 8,17 % de vos revenus professionnels nets enregistr\u00e9s trois ans plus t\u00f4t ( max 3 859,40 euros\/par an en 2023).<\/p>\n<p>Avec la PLCI \u00ab sociale \u00bb, vous b\u00e9n\u00e9ficiez des m\u00eames avantages, mais vous pouvez payer une prime plus \u00e9lev\u00e9e : jusqu\u2019\u00e0 9,40 % des revenus professionnels nets g\u00e9n\u00e9r\u00e9s trois ans plus t\u00f4t.<\/p>\n<p>Avantage suppl\u00e9mentaire de la PLCI sociale : dispense de versement des primes en cas de maladie, d\u2019incapacit\u00e9 de travail, de maternit\u00e9 ou m\u00eame de faillite. Ainsi, votre \u00e9pargne continue de vous rapporter.<\/p>\n<h2 data-fontsize=\"28\" data-lineheight=\"33.6px\" class=\"fusion-responsive-typography-calculated\" style=\"--fontSize:28; line-height: 1.2; --minFontSize:28;\">Quels sont les avantages de la pension libre compl\u00e9mentaire?<\/h2>\n<p><strong>1. Les primes d\u00e9ductibles fiscalement conduisent \u00e0 une r\u00e9duction d\u2019imp\u00f4t.<\/strong><br \/>\nLes primes pay\u00e9es pour la PLCI sont enti\u00e8rement d\u00e9ductibles fiscalement, au m\u00eame titre que les frais professionnels. Par cons\u00e9quent, toutes les primes vers\u00e9es pour la pension compl\u00e9mentaire sont en grande partie financ\u00e9es par le fisc.<\/p>\n<p><strong>2. Baisse ult\u00e9rieure des cotisations sociales<\/strong><br \/>\nComme les primes sont fiscalement d\u00e9ductibles, elles diminuent les revenus professionnels qui servent au calcul des cotisations sociales.<\/p>\n<p><strong>3. Rendement financier in\u00e9galable<\/strong><br \/>\nLes primes pay\u00e9es dans le cadre de la PLCI le sont dans une formule de capitalisation avec un taux d\u2019int\u00e9r\u00eat garanti, major\u00e9 d\u2019une participation annuelle aux b\u00e9n\u00e9fices.<\/p>\n<p><strong>4. Possibilit\u00e9 de cumuler avec d\u2019autres syst\u00e8mes d\u2019\u00e9pargne-pension<\/strong><br \/>\nLa d\u00e9ductibilit\u00e9 fiscale des primes vers\u00e9es pour la PLCI peut \u00eatre cumul\u00e9e avec l\u2019exon\u00e9ration fiscale pr\u00e9vue pour l\u2019assurance-vie ordinaire, l\u2019\u00e9pargne-pension et l\u2019assurance dirigeant d\u2019entreprise.<\/p>\n<p><strong>5. Libert\u00e9 totale de versement des primes<\/strong><br \/>\nVos finances \u00e9tant un peu justes, vous pr\u00e9f\u00e9rez ne pas payer de prime cette ann\u00e9e ? Aucun probl\u00e8me, vous payez juste ce que vous voulez et quand vous le voulez, sans aucune obligation.<\/p>\n<p><strong>6. Versement d\u2019un capital pension<br \/>\n<\/strong>Le jour o\u00f9 vous acc\u00e9dez \u00e0 la pension, vous percevez le capital pension (constitu\u00e9 gr\u00e2ce aux primes et aux int\u00e9r\u00eats), tax\u00e9 selon un r\u00e9gime tr\u00e8s avantageux. La participation aux b\u00e9n\u00e9fices est exon\u00e9r\u00e9e d\u2019imp\u00f4t.<\/p>\n<p><strong>7. La participation aux b\u00e9n\u00e9fices n\u2019est pas tax\u00e9e.<\/strong><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.68%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:7.68%;--awb-width-medium:25%;--awb-order-medium:0;--awb-spacing-right-medium:7.68%;--awb-spacing-left-medium:7.68%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img loading=\"lazy\" decoding=\"async\" width=\"960\" height=\"640\" title=\"avaxi-5\" src=\"https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-960x640.jpg\" alt class=\"img-responsive wp-image-4861\" srcset=\"https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-200x133.jpg 200w, https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-400x267.jpg 400w, https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-600x400.jpg 600w, https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-800x533.jpg 800w, https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5-1200x800.jpg 1200w, https:\/\/staging.avixi.be\/wp-content\/uploads\/2021\/03\/avaxi-5.jpg 1920w\" sizes=\"auto, (max-width: 640px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#def0f4;border-top-width:0px;\"><\/div><\/div><div class=\"fusion-text fusion-text-2\"><h3>Des questions sur le PLCI?<\/h3>\n<p><a href=\"mailto:avixi@lifeplan.be\">Contactez-nous<\/a><\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/form.jotform.com\/203303540870951\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Calculer votre PLCI<\/span><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#def0f4;border-top-width:0px;\"><\/div><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.multilife.be\/fr\/contact\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Contact<\/span><i class=\"fa-angle-right fas awb-button__icon awb-button__icon--default button-icon-right\" aria-hidden=\"true\"><\/i><\/a><\/div>\n<div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#def0f4;border-top-width:0px;\"><\/div><\/div><div class=\"fusion-text fusion-text-3\"><h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 20; line-height: 1.2;\" data-fontsize=\"20\" data-lineheight=\"24px\">Liens utiles<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.mypension.be\/fr\" target=\"_blank\" rel=\"noopener noreferrer\">My pension<\/a><\/li>\n<li><a href=\"https:\/\/www.multilife.be\/fr\" target=\"_blank\" rel=\"noopener\">Notre partenaire Plan de Retraite &#8211; Life Plan\u00a0<\/a><\/li>\n<\/ul>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#def0f4;border-top-width:0px;\"><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:2rem;width:100%;\"><div class=\"fusion-separator-border sep-single\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#def0f4;border-top-width:0px;\"><\/div><\/div><div class=\"fusion-reading-box-container reading-box-container-1\" style=\"--awb-title-color:#002f47;--awb-margin-top:0px;--awb-margin-bottom:20px;\"><div class=\"reading-box\" style=\"background-color:#def2f2;border-width:0px;border-color:#f6f6f6;border-right-width:3px;border-right-color:var(--primary_color);border-style:solid;\"><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-desktop-button fusion-tagline-button continue fusion-desktop-button-margin continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:50px 50px 50px 50px\" href=\"https:\/\/staging.avixi.be\/fr\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Contact<\/span><\/a><h2>Des questions?<\/h2><div class=\"reading-box-additional fusion-reading-box-additional\">\n<p>Prennez contact avec votre gestionnaire de relation client:<\/p>\n<p>Mechelen sur <strong>015 45 12 60<br \/><\/strong>Brugge sur <strong>050 40 65 65<br \/><\/strong>Hasselt sur <strong>011 22 27 46<\/strong><\/p>\n<p>ou envoyez un e-mail \u00e0 <a href=\"mailto:info@avixi.be\">info@avixi.be<\/a>.<\/p>\n<p>Clients de l\u2019ex-l\u2019Entraide:<\/p>\n<p>Bruxelles:\u00a0<b>02<\/b>\u00a0<b>743 05 10<\/b><\/p>\n<p>Ou envoyez votre message par e-mail \u00e0 clasti@avixi.be<\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"button fusion-button button-default fusion-button-default-size button-default-size button-flat fusion-mobile-button continue-right\" style=\"-webkit-box-shadow:none;-moz-box-shadow:none;box-shadow:none;border-radius:50px 50px 50px 50px\" href=\"https:\/\/staging.avixi.be\/fr\/contact\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Contact<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":3671,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3687","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/pages\/3687","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/comments?post=3687"}],"version-history":[{"count":14,"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/pages\/3687\/revisions"}],"predecessor-version":[{"id":8933,"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/pages\/3687\/revisions\/8933"}],"up":[{"embeddable":true,"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/pages\/3671"}],"wp:attachment":[{"href":"https:\/\/staging.avixi.be\/fr\/wp-json\/wp\/v2\/media?parent=3687"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}