DIRECTOR PROTECTION · PARIS-BASED FIRM
Protecting you and your family
Becoming a business owner often means losing part of the social protection you enjoyed as an employee. Our firm helps you rebuild a solid safety net, for you and for your loved ones.
Build your security, with peace of mind
Beyond the figures and the filings, we pay particular attention to your personal situation and that of your family.
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A review of your current cover
We take stock of what is actually covered today: daily sickness benefits, disability, death-in-service capital, supplementary health insurance. You finally know where you stand.
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Preparing for life’s setbacks
Sick leave, disability, death: events like these can put both your business and your loved ones at risk. We help you cover them before they happen.
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Planning your retirement
Company directors often contribute very little towards their retirement. We identify effective, tax-efficient savings options so you can plan for the future with confidence.
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Independent advice
We do not sell any insurance contracts. Our recommendations are objective and, where helpful, draw on trusted partners in wealth management and personal protection insurance.
When should you think about it?
Certain moments in your business or personal life are clear signals that it is time to review your protection.
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You are incorporating your business
By becoming a majority managing director, you switch to the self-employed (TNS) regime and lose part of the protection employees enjoy. It is the right time to close the gaps.
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A child, a property purchase
Starting a family or buying a property increases your commitments. It becomes essential to make sure your income will be protected if the unexpected happens.
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You have surplus cash
Is your business generating healthy profits? Rather than leaving it all sitting idle, certain solutions can turn that cash into retirement savings, often with a tax advantage.
How we work
A clear, jargon-free approach, in which every recommendation is explained and backed up with figures.
1
Review of your situation
We examine your social security status, your income, your expenses and your family situation to understand exactly what is at stake for you.
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Analysis of your needs
We identify the gaps in your protection: income if you are unable to work, protection for your spouse, expected retirement income, health cover.
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Costed recommendations
We present concrete options — personal protection insurance, health cover, retirement — with their cost, their tax benefits and their real impact on your cover.
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Implementation & follow-up
We support you through implementation with our partners, then review your cover regularly as your life evolves.
What our support includes
Three key areas for complete protection, from everyday life through to passing on your wealth.
Social protection
- Analysis of your status: self-employed (TNS) or deemed employee
- Personal protection insurance tailored to your income
- Health insurance for you and your family
- Sick leave, disability and death cover
Retirement & savings
- Individual or company retirement savings plan (PER)
- Madelin contracts and solutions dedicated to the self-employed
- Employee savings schemes within the company
- Salary / dividend trade-off to build better pension rights
Wealth
- Passing on your business and your personal wealth
- Protecting your spouse should the unexpected happen
- Wealth optimisation with our trusted partners
- Consistency between your professional and private life
Frequently asked questions
What social protection does a self-employed (TNS) director have?
Self-employed workers benefit from basic cover that is often lighter than an employee’s, particularly for daily sickness benefits and personal protection insurance. We draw up a precise statement of your entitlements, then fill the gaps with cover tailored to your level of income and your needs.
Do I really need personal protection insurance?
For a company director, yes, in the vast majority of cases. Personal protection insurance takes over when you can no longer work: it maintains your income during extended sick leave, pays out a lump sum or an annuity in the event of disability, and protects your family in the event of death. It is one of the pillars of coherent protection.
What is the PER?
The Plan d’Épargne Retraite (French retirement savings plan) is a wrapper designed to build up additional retirement income. Depending on your situation, contributions may be deducted from your taxable income, which makes it an effective tool for company directors. We check whether it is relevant in your case and coordinate it with your other arrangements.
Is health insurance compulsory?
Group supplementary health insurance is compulsory for your employees. For you, as a director, it is not always compulsory, but it remains strongly recommended to cover your healthcare costs and those of your family. We help you choose an appropriate level of cover, without paying for benefits you do not need.
How should I pay myself to build proper entitlements?
The balance between salary and dividends has a direct impact on your social security entitlements and your future pension. Paying yourself dividends only may seem advantageous in the short term, but it reduces your protection. We model several scenarios to find the right trade-off between net income, contributions and accrued rights.
Do you work with partners?
Yes. As chartered accountants, we carry out the assessment and advise you with complete independence. To put personal protection or retirement contracts in place, or for wealth management, we rely on specialist, trusted partners whom we coordinate on your behalf, to guarantee solutions that are consistent with your accounts and your situation.
Let’s protect what matters to you
Take stock of your social protection, your retirement and your family’s security with a firm that already knows your figures. The first conversation is free of any commitment.