With the FSPSE alone, you may be able to build up a nice capital, although unfortunately that capital is limited by a maximum number of annual deposits. Do you have the possibility to save more for your pension ? Then the Pension Agreement for the Self-Employed (PASE) may offer a tax-friendly solution by increasing your supplementary (and therefore your total) pension. In this way you will already have a comfortable old age! This only applies to self-employed workers, assisting spouses or self-employed helpers without a company.
For the self-employed with a company, there is already a solution: the Individual Pension Commitment (IPC).
"}},{"componentType":"sectionTitle","title":"A tailor-made contract"},{"componentType":"paragraph","richBody":{"value":"You choose how you save:
The duration of the contract is a at least 5 years. It ends when you retire.
The minimal annual amount is 500 euros.
"}},{"componentType":"sectionTitle","title":"What are the costs associated with the PASE ?"},{"componentType":"paragraph","richBody":{"value":"Payment is made in the event of the insured's retirement, in the end date of his/her career (if the insured has not yet retired) or in the event of the insured's death before retirement.
The payment is not due in the following circumstances :
Read the Financial Information Sheet (PDF - FR) and the General Terms and Conditions before subscribing and contact us before signing up to find out more about the cover, exclusions and charges.
"}},{"componentType":"sectionTitle","title":"Protect yourself and your next of kin with these 2 options"},{"componentType":"paragraph","richBody":{"value":"Under certain conditions, you can request an advance on the branch 21 savings reserve for real estate projects (e.g. purchase of a house, apartment or building land).
"}},{"componentType":"sectionTitle","title":"Interested?"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you.
Not completely satisfied with your AXA Free Supplementary Pension for the Self-Employed Insurance?
Contact AXA online: customer.protection@axa.be
"}},{"componentType":"sectionTitle","title":"Other information"},{"componentType":"paragraph","richBody":{"value":"
About the insurance policies and conflicts of interest : you can find general information about the insurance policies and a description of the conflict of interest policy, including the benefits:
ING Belgium nv, insurance broker, registered with the Belgian Financial Services and Markets Authority (FMSA) under code 0403200393. Company headquarters: Marnixlaan 24, B-1000 Brussels - Brussels Register of Commerce - VAT No. BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
"},"title":"Insurance broker"},{"componentType":"paragraph","richBody":{"value":"AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
"},"title":"Insurer"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Before July 1, 2018, as an independent natural person it was only possible to build up pension capital via the Free Supplementary Pension for the Self-Employed (FSPSE). Since then, the self-employed person without a company and his/her assisting spouse or helper has the possibility to save for a higher pension thanks to the Pension Agreement for Self-employed Persons (PASE). This solution offers tax advantages as well as protection for the insured and his/her family.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/3844df13faf93c1d/original/poz-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/d5ebeaf8-b4f2-43f8-8527-c85b3a5f3fb1/poz-1920","type":"image","width":1920},"promoStickerLayout":"None","promoText":"Get a supplementary pension and benefit from tax advantages.","subtitle":"Pension Agreement for the Self-Employed (PASE). Insurer : AXA Belgium.","title":"Supplementary pension plan for self-employed without a company"},"cta":{"componentType":"cta","textLink":{"text":"Request your PASE","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a customer yet?","url":"/en/business/services/contact-us"}}},"publishDate":"2026-05-01T00:01:01.021+02:00"}}