Your insurance needs > Ensure your firm's heritage    
 
 The need
 

Taking into account the demographic, the economic and the social changes that our country is now witnessing, the problem of retirement is at the core of actuality more than ever. The retirement pensions collected are increasingly decreasing along years, creating a real concern to the employees.

Through its economic and social role, the firm can contribute to the preparation of a complementary retirement pension for its staff by taking out a Collective Retirement Contract.

ASSURANCES MAGHREBIA, pioneer of Life Insurance, offers you its collective retirement contract in enterprise, Retraite Dorée.

 Our options
 
  With Retraite Dorée, discover two innovative options, perfectly adapted to your needs.
A supplementary retirement Plan
  With this option, contributions are fructified in the best conditions of profitability and security in order to obtain in the end of the career:
  > An additional income, as an allowance or life annuity
  > A capital to finance a project .
A retirement Gratuity
  When a salaried employee is retiring, the Collective Convention expects generally the octroi of a Retirement Gratuity (Indemnité de Départ à la Retraite (IDR)).
The contribution to an IDR contract relieved from the treasury management associated with this obligation. It enables you to benefit from important fiscal and social advantages .

 The additional guarantees
  According to your need, Retraite Dorée enables you to protect the employees of the firm as well as their relatives from financial difficulties due to unforeseen life events such as death, disability and accident, as many circumstances that may upset the life of a whole family.

 Our assets
 
A profitable investment
  Retraite Dorée offers you a profitable and sure investment.
A total freedom
  You decide about your share and that of your employees to the contributions.
You decide if the plan applies to all your employees or to one or more categories of collaborators
A perfect transparency
  Faithful to its transparency, ASSURANCES MAGHREBIA sends every year, the portfolio state of each adherent, specifying the evolution of the savings made as well as the profit rate of the previous year.
A renown partner
  Because life isurance is our job, our competence in savings domain brings you all the guarantees to fructify your investment in full tranquillity.

 A privileged fiscal and social framework
  With Retraite Dorée, you can benefit from all fiscal and social advantages attributed to collective life insurance contracts.

  Advantages for the employer
The employer's contributions are deductible from the taxable amount (Article 47 of the law N°2001-123 of 28/12/2001) bearing finances law for the year 2000.
The employer's contributions are deductible from the tax base submitted to social security contributions (Decree N°2003-1098 of 19 May 2003).
To save the employer’s share of the social contributions applied to the IDR served by the firm.

  Advantages for the employee
The deduction of the insurance premium from the tax base limited to 2000 DT per year for the natural person. The deduction amount depends on its civil status (Article 39 of I.R.P.P and I.S code).
The death benefit is exempted from succession rights and tax on the revenue.
To the expiry date, the capital is totally exempted from the personal income tax.
The IDR received by the employee will not not be subject to social contributions.

 
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