In Summary
| Section | Description |
|---|---|
| 🛡️ Introduction | The protection for self-employed workers (TNS) offers a comprehensive social protection against risks such as work stoppage, disability, or death. It is essential for business owners, artisans, merchants, and liberal professionals. |
| 🎯 Why Subscribe? | Income maintenance in case of work stoppage through daily allowances, coverage of general expenses to cover fixed costs of the business during incapacity, and financial support in case of disability or death with payouts in the form of annuities or lumps sums. |
| 💼 Guarantees | MetLife’s TNS protection offers comprehensive and adjustable guarantees, including capital up to €50M in the event 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 with precise 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 client space for management and modifications. The contract can be tailored to family situation, activity, and specific needs. |
| 🔍 Analysis and Adjustments | The business manager analyzes the situation and offers customized guarantees. Contributions are optimized for the best cost/protection ratio. Adjustments to coverage can be made online via the client space, enabling easy and adaptive monitoring of coverage needs. |
| 🏁 Conclusion | Self-employed protection is crucial to maintain financial safety and living standards, providing solid coverage for independent workers and their families. Tax benefits increase the attractiveness of this protection option. For specific details or a personalized quote, consulting a advisor is recommended. |
Protection for non-salaried workers (TNS) is a vital insurance to ensure comprehensive social protection. Whether you are a business owner, artisan, merchant, or liberal professional, TNS protection safeguards you in case of work stoppage, disability, or death.
Why Subscribe to a TNS Protection?
Maintaining Your Income in Case of Work Stoppage
Subscribing to TNS protection allows you to maintain your living standards by receiving a daily allowance to compensate for your financial loss. During a work stoppage, this allowance is essential to cover your ongoing expenses and ensure the continuity of your budget. You choose the amount of this allowance based on your revenues and the start date of payment, providing you with flexibility tailored to your needs.
The TNS insurance adapts to each situation, whether the work stoppage is due to a illness or accident. In the case of maternity leave, our contract also provides a supplementary income, thus guaranteeing financial security during this period. This protection is especially important for self-employed workers who do not benefit from the same advantages as employees.
Coverage of General Expenses
Rent, employee costs, taxes, professional fees, and other fixed expenses necessary to continue your activity keep accruing even during your incapacity or disability. These costs can quickly become a b Ôrdeau if you are no longer able to work. To prevent putting your business in difficulty, you can opt for a specific indemnity to cover these expenses.
This indemnity helps maintain your stability, avoiding additional financial problems. By covering these costs, TNS protection insurance allows you to focus on your recovery without worrying about financial constraints. It is a real support for freelancers facing high 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 assists you and your relatives in overcoming these difficulties. In case of disability, we offer a pension or a capital to compensate for income loss. This pension is calculated based on your situation and can be tailored to your specific needs.
In the event of death, a pension or a capital is paid to your loved ones to help them cope with the financial consequences. This ensures financial security for your family, providing valuable support during times of crisis. Additionally, a educational pension can be established for your children, ensuring continuity in their studies and future.
The Benefits of TNS Protection
Comprehensive and Customizable Guarantees
TNS protection offers comprehensive and tailorable guarantees for each situation. In case of death or Total and Irreversible Loss of Autonomy, a capital up to 50 million euros can be paid, providing exceptional financial security for your loved ones. This guarantee ensures maximum protection, covering the most critical needs.
In the event of work stoppage, you benefit from daily allowances to maintain your living standards. These allowances are crucial to compensate for income loss and ensure the continuity of your finances. You can choose the amount of the allowance and set the trigger date, allowing you to customize your protection according to your needs.
Favorable Tax Benefits with the Madelin Law
By subscribing to TNS protection, you can take advantage of the tax benefits offered by the Madelin law. Contributions are deductible from your profits, within limits set by law, which reduces your tax burden while strengthening your social protection. This deduction allows savings while providing adequate coverage.
The deduction of Madelin TNS contributions is based on your taxable income: Industrial and Commercial Profits (BIC), Non-commercial Profits (BNC), or management income. The fiscal deduction ceiling for Madelin protection amounts to 3.75% of professional income plus 7% of the annual social security ceiling.
Concrete Example: For a BNC of €35,000, the fiscal deduction would be:
- 35,000 X 3.75% = €1,312
- Plus 7% of PASS, which is + €2,879 = €4,191
- The Madelin deductibility ceiling for this example will be €4,191.
How to Subscribe to TNS Protection?
Subscription Steps
To subscribe to our protection contract, simply follow these steps:
- Online quote: An expert will call you promptly to assess your needs and provide a personalized quote.
- Digital subscription: Supported by an expert, the process is easy online, allowing you to finalize your contract in a few simple steps.
- Access to your customer space: To manage all your requests and modifications, you have continuous access to your personalized space.
A Customized Contract
Your business manager is here to adjust your contract based on your family situation, activity, and needs. They will propose tailor-made guarantees and an accurately calculated contribution.
Situation Analysis
During subscription, your business manager will perform a comprehensive analysis of your situation to identify your specific needs. This includes evaluating your revenues, professional activity, and family situation.
Guarantee Adjustments
Based on the analysis, your business manager will suggest appropriate guarantees suited to your profile. You can choose levels of protection and types of guarantees that best meet your needs and objectives.
Optimized Contribution
Your contribution will be optimized to offer the best protection/cost ratio. The business manager will consider your revenues and budget to propose a contribution that is both effective and affordable.
Follow-up and Modifications
After subscribing, you will have access to your client online space, where you can:
- View your guarantees
- Request your Madelin tax certificate
- Contact your business manager directly
- Adjust your guarantees based on your evolving situation
- Declare a claim and track its processing
With this flexibility, you can adapt your coverage based on your changing needs, ensuring continuous and adapted protection.
Conclusion
In conclusion, TNS protection is essential to guarantee financial security and maintain your living standards in case of life’s accidents. Whether you are an artisan, merchant, liberal professional, or business owner, subscribing to TNS protection allows you to safeguard your activity and loved ones, while benefiting from significant tax advantages. You can find online resources to learn more about TNS protection and obtain detailed information on the options available for non-salaried workers. Additionally, using a TNS protection comparison tool can help you quickly and easily compare various offers, ensuring you get the best possible protection for your situation.
For Further Information
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