Retirement
Prepare for retirement or a professional break while aiming to maintain your standard of living.
PENSIONS & LIFE INSURANCE
Pension planning, life insurance and family protection
Pension planning and private supplementary insurance strengthen family protection, complement first- and second-pillar benefits and help you prepare for important stages of life.
ASK FOR ADVICEIncome protection
Cover the financial consequences of an incapacity to earn or disability.
Protection of loved ones
Provide capital or an annuity in the event of the death of the breadwinner.
Constitution of capital
Build or invest capital according to your time horizon, profile and objectives.
Pension gaps
Identify the gaps between the services of the 1st and 2nd pillars and your needs.
Life insurance
Depending on the selected solution, combine risk protection, savings and wealth transfer.
Protection that evolves with your life
A career change, family project or property purchase can change your needs. We connect your risk protection, savings and retirement goals to help you make decisions with confidence.
Our support begins with an overall view of your existing benefits, then a comparison of solutions suited to your time horizon and the people close to you.
3a or 3b?
Discover the linked and free individual pension solutions on our page dedicated to the 3rd pillar.
The foundations of a sustainable pension strategy
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01
Measure benefits
The analysis begins with benefits already earned through the state pension, pension fund and private contracts. We compare these amounts with your expenses, commitments and plans to identify gaps that would have a concrete effect on your standard of living.
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02
Protect the family
Family protection depends on each income, debts, childcare responsibilities and the benefits payable in the event of disability or death. These factors support a proportionate lump sum or pension instead of an amount chosen in isolation.
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03
Assess savings
A savings solution must respect your time horizon, contribution capacity and need for liquidity. We also examine fees, guarantees, adjustment options and the effects of an interruption so that the commitment remains affordable over time.
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04
Review at key moments
A marriage, birth, job change, property purchase or retirement calls for a new review. Updating beneficiaries, insured amounts and objectives prevents an earlier decision from becoming unsuitable for your current situation.
AN INITIAL DISCUSSION
Prepare the next steps in your pension planning
A discussion helps identify your protection needs, retirement priorities and any pension gaps.