The problem: a gap no one calculates
If you die or become unable to work, the 1st and 2nd pillars do pay something to your family — but often far less than you imagine. Survivors' and disability pensions are capped and generally cover only a fraction of your income. For a couple with children and a mortgage, the shortfall can be dramatic.
The worst part is that this gap remains invisible until something happens. It is discovered at the worst possible moment. Some profiles are particularly exposed: the self-employed (no 2nd pillar), young families, and people with a mortgage to repay.
The solution: a 3rd pillar with provision cover
Unlike the bank 3rd pillar, which is simple savings, the 3rd pillar in insurance form can include provision guarantees: a capital sum paid to your loved ones in the event of death, and a pension or a waiver of premium payments in the event of inability to work.
You thus achieve two things at once: you save and reduce your tax as with a classic 3a, while providing a safety net for your family. It is the only tool that combines savings, tax advantage and protection in a single contract.
The bank 3rd pillar favours flexibility and pure return; the insurance 3rd pillar adds death and disability protection, with a longer commitment. The right choice depends on your family situation and financial responsibilities. Many combine both.
Who needs this protection most?
- Families with children: a death benefit allows the surviving spouse to maintain their standard of living and repay debts.
- The self-employed: without a 2nd pillar, the provision gap in hard times is at its maximum. See our self-employed guide.
- Homeowners: in the event of death, the capital can cover part of the mortgage and prevent the family from having to sell.
- Young couples: subscribing early locks in low premiums and good insurability.
How much does this peace of mind cost?
*The premium depends on the insured capital, your age and your health. The simulator gives a first estimate, then refined with an adviser.
We assess your real provision gap and compare market insurance offers to build cover suited to your family, without paying for unnecessary guarantees. Free of charge, with no obligation.