The complete guide to the PLCI 2026

What's inside

The guide brings together in one document everything a self-employed person in Belgium needs to know about the PLCI: 2026 ceilings, types of contract (ordinary vs social), personal income tax (IPP) treatment and social security contributions saved, and a comparison of the main insurers (AG, Allianz, AXA, Baloise, NN, Federale Assurance).

Each chapter opens with a direct answer to a practical question (“How much can I pay in?”, “Social or ordinary?”, “What happens when I retire?”), then goes deeper with the legal references and worked examples.

At the end of the guide, an 8-point checklist lets you put any proposal from a broker or bank to the test.

Who is this guide for?

The guide is designed for the following profiles. If you recognise yourself in at least one of them, reading it will save you hours of searching through scattered sources.

• Self-employed as a main occupation (with or without a company)
• Assisting spouses paying INASTI contributions
• Self-employed as a secondary occupation, subject to conditions
• Company directors (on top of an EIP)

Detailed PDF contents

These are the chapters covered. Each chapter starts with a direct answer to the main question, followed by the reasoning and the legal references.

1. What is the PLCI and who is it for?
2. 2026 ceilings: how much can you pay in?
3. Social PLCI or ordinary PLCI?
4. The real tax picture: what you actually save
5. Comparing insurers: the method, not a ranking
6. The six most costly mistakes
7. Combining the PLCI, EIP and CPTI
8. The PLCI for your situation
9. Twenty frequently asked questions
10. Preparing for payout: the last five years
11. Eight-point checklist for taking one out
12. Glossary

How do I get the guide?

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