Manager Concept360° support for sustained added value

Our services are geared towards:

• Managing directors, board members and senior executives who are seeking optimized solutions for their company retirement benefits and personal coverage that are legally sound and optimized for taxes.
• Tax consultants and company officers who require profound expertise for optimizing pension plans as well as disability and key person insurance.
• Businesses who implement innovative concepts for their manager benefit packages or wish to revise their existing pension commitments professionally

1. Tax-optimized retirement benefits

Our innovative solution is based on a support fund that is designed to secure a lifelong pension and also includes the option of a survivor’s pension.

Special features:

• Also suitable for depositing bonus payments
• Realistic calculation bases allow for a guaranteed pension that may be up to 75% higher compared to the classic calculation
• Flexible payouts at the commencement of retirement: lump sum, current annuity or tax-optimized tranche payments

2. Disability insurance – VIP Cover

Our exclusive VIP Cover allows you to protect your managers from the financial ramifications of occupational disability.

Advantages:

• Significantly shortened health examination
• Exclusive for directors, board members and senior executives
• Coverage for a monthly disability pension of up to EUR 41,000 (up to 75% of the last gross income)
• Optional: lump sum payment of up to 10 times the annual annuity in the event of long-term disability

3. Key person insurance

Key person insurance protects businesses from the economic impact resulting from the loss of a vital executive.

Benefits:

• Coverage of death and serious illnesses (either separately or combined)
• Basic coverage comprises 55 specified illnesses
• Option to expand coverage by an additional 25 illnesses, including heart attack, stroke, cancer, paraplegia, Alzheimer’s, serious accident, and loss of hearing or vision

4. Private health insurance

We offer custom private health insurance policies that have been optimized for the needs of executives. Constituting a meaningful supplement to retirement provisions, they offer comprehensive health protection coverage.

Existing pension obligations often hold considerable potential for optimization and adaptation. We assist, in particular, shareholders/managing directors in conducting professional reviews and revisions of their existing systems.

Our services:

• Analysis of existing direct commitments and identification of opportunities for optimization
• Support in tax and social insurance matters to ensure legally sound implementation
• Modification and restructuring of existing benefits models
• Examination of existing support fund benefits with a focus on individual opportunities and optimization

Our approach ensures that your existing commitments remain legally sound, advantageous from a tax standpoint and tailored to your personal circumstances.

Our expert opinion service provides well-founded forecast calculations and detailed assessments of pension obligations. We analyze the pension provisions over the entire commitment period and show you trade balance sheet and tax alternatives.

Your advantages:

• Transparent evaluation of existing pension obligations
• Sound basis for accounting and planning decisions
• Well-founded recommendations for action to improve certainty and freedom of scope

The preparation of our annual reports for you is guaranteed to be quick, accurate and reliable – allowing you to keep an eye on your benefits at all times.

Our experts support you with comprehensive services relating to the benefits of managing directors and board members.

These include:

• Personal consultations
• Forecast calculations and actuarial analyses
• Text templates for pension commitments and shareholder resolutions
• Final consultation and recommendations for implementation

Transparent cost estimation:

• Establishment of new pension commitments: from EUR 2,500
• Revision of existing pension commitments: from EUR 3,500

Please feel free to contact us if you require any additional information.