The TNS Provident: An Essential Protection for Self-Employed Professionals

Summary

Section	Description
🛡️ Introduction	Self-employed workers’ provident insurance (TNS) offers a comprehensive social protection against the risks of work stoppage, disability, or death. It is essential for business owners, artisans, traders, and liberal professionals.
🎯 Why Subscribe?	Income maintenance in case of work cessation through daily allowances, coverage of operating expenses to handle fixed costs during incapacity, and financial support in case of disability or death with annuities or lump sums paid.
💼 Guarantees	MetLife’s TNS provident plan offers comprehensive and adaptable guarantees, including capital up to €50M in case of death/PTIA and daily allowances to maintain living standards during work absences.
💲 Tax Benefits	Tax advantages according to the Madelin law, allowing the deduction of contributions from your profits, thus optimizing your tax burden while increasing social protection. The deduction ceiling depends on income and is calculated using specific percentages of professional income plus a percentage of the PASS (annual social security ceiling).
🖊️ Subscription	Three simple steps: online quote with a callback from an expert, digital subscription with support, and access to a personalized customer space for management and modifications. The contract can be adjusted based on family situation, activity, and specific needs.
🔍 Analysis and Adjustments	The business manager analyzes the situation and offers tailor-made guarantees. Contributions are optimized for the best cost/protection ratio. Coverage adjustments can be made online via the customer space, allowing easy and adaptive monitoring of coverage needs.
🏁 Conclusion	Self-employed provident insurance is crucial to maintain financial security and living standards, providing solid protection for independent workers and their families. The tax advantages enhance the attractiveness of this provident option. For specific details or a personalized quote, contacting an advisor is recommended.

Self-employed workers’ prevention (TNS) is a vital insurance to ensure comprehensive social protection. Whether you are a business owner, artisan, trader, or liberal professional, TNS coverage protects you in case of work stoppage, disability, or death.

Why Subscribe to a TNS Provident Plan?

Maintaining Your Income in Case of Work Cessation

Subscribing to a TNS provident plan allows you to maintain your standard of living by providing a daily allowance to compensate for your financial loss. In case of work stoppage, this allowance is essential to cover your expenses and ensure the continuity of your budget. You choose the amount of this allowance based on your income and the timing of its payment, offering you flexibility tailored to your needs.

The TNS provident insurance adapts to each situation, whether the work stoppage is due to a illness or an accident. In case of maternity leave, our contract also offers a supplementary income, ensuring financial security during this period. This protection is especially important for self-employed workers who do not benefit from the same advantages as salaried employees.

Coverage of Operating Expenses

Rents, employee-related costs, taxes, professional levies, and other fixed expenses necessary for continuing your activity continue to accrue even during your incapacity or disability. These expenses can quickly become a burden if you are no longer able to work. To prevent financial hardship for your business, you can opt for the payment of a specific allowance intended to cover these costs.

This allowance helps to maintain the stability of your business, avoiding additional financial problems. By covering these expenses, the TNS provident insurance allows you to focus on your recovery without worrying about financial constraints. It is genuine support for independents facing significant fixed charges.

Financial Support in Case of Disability or Death

If you can no longer resume your activity, or in case of death, our contract helps you and your relatives to overcome these difficulties. In case of disability, we offer a pension or a lump sum to compensate for the loss of income. This pension is calculated based on your situation and can be tailored to your specific needs.

In case of death, a pension or a lump sum is paid to your loved ones to help them cope with the financial consequences. This guarantees financial security for your family, providing them with valuable support during crisis. Additionally, a education pension can be set up for your children, ensuring continuity of their studies and future.

The Advantages of TNS Provident Insurance

Complete and Adaptable Guarantees

The TNS provident plan offers comprehensive and adaptable guarantees for every situation. In case of death or total and irreversible loss of autonomy, a capital up to 50 million euros is paid, providing exceptional financial security to your loved ones. This guarantee ensures maximum protection, covering the most critical needs.

In case of work stoppage, you benefit from daily allowances to maintain your living standard. These allowances are crucial for compensating the loss of income and ensuring your financial continuity. You can choose the amount of the allowance and the start date, allowing you to customize your protection according to your needs.

Favorable Taxation with the Madelin Law

By subscribing to a TNS provident plan, you can benefit from the tax advantages of the Madelin law. Contributions are deductible from your profits, within the limits set by law, reducing your tax burden while enhancing your social protection. This deduction results in savings while providing adequate coverage.

The deduction of TNS Madelin provident contributions is calculated from your taxable income, comprising: Business and Commercial Profits (BIC), Non-commercial Profits (BNC), or management income. The tax deduction ceiling for Madelin provident is 3.75% of professional income plus 7% of the annual social security ceiling.

Concrete example: For a BNC of €35,000, the tax deduction would be:

• €35,000 x 3.75% = €1,312
• Adding 7% of PASS, which is +€2,879 = €4,191
• The Madelin deduction ceiling in this example will be €4,191.

How to Subscribe to a TNS Provident Plan?

Subscription Steps

To subscribe to our provident contract, simply follow these steps:

1. Online quote: An expert will quickly call you back to assess your needs and offer a personalized quote.
2. Digital subscription: Guided by an expert, the subscription is easy online, allowing you to finalize your contract in a few simple steps.
3. Access to your customer space: To manage all your requests and modifications, you have continuous access to your personalized space.

A Personalized Contract

Your business manager is there to adjust your contract based on your family situation, activity, and needs. They will offer you tailor-made guarantees and a contribution calculated precisely.

Situation Analysis

During subscription, your business manager will conduct a comprehensive analysis of your situation to identify your specific needs. This includes an assessment of your income, professional activity, and family situation.

Guarantee Adjustments

Based on the analysis, your business manager will propose tailored guarantees suited to your profile. You can choose protection levels and types of guarantees that best meet your needs and objectives.

Optimized Contributions

Your contribution will be optimized to offer the best protection/cost ratio. The business manager will consider your income and budget to propose a contribution that is both effective and affordable.

Follow-up and Modifications

After subscribing, you will have access to your online client space, where you can:

• Consult your guarantees
• Request your Madelin tax certificate
• Contact your business manager directly
• Adjust your guarantees based on how your situation evolves
• Declare a claim and track its processing

With this flexibility, you can modify your coverage according to your changing needs, ensuring continuous and adapted protection.

Conclusion

In conclusion, TNS provident insurance is essential to guarantee financial security and maintain your living standards in case of life’s accidents. Whether you are an artisan, trader, liberal professional, or business owner, subscribing to a TNS provident plan allows you to protect your activity and loved ones while enjoying significant tax advantages. You can find online resources to learn more about TNS provident insurance and get detailed information on options for self-employed workers. Additionally, using a TNS provident comparison tool can help you quickly and easily compare different offers, ensuring you get the best protection for your situation.

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