Practical Guide TNS Insurance - Allianz Assurance GRAY PLEIN CIEL - Samir ABADOU
Discover our practical guide on TNS insurance, essential for self-employed workers. Protect your income and your family in case of work stoppage with the tailored solutions from Allianz Assurance GRAY PLEIN CIEL - Samir ABADOU.
Allianz Assurance GRAY PLEIN CIEL
Samir ABADOU — General Agent Allianz
📍 3 place Charles de Gaulle — 70100 Gray
📞 03 84 65 06 17 | ✉ abadou.gray@allianz.fr
🌐 agence.allianz.fr/gray-plein-ciel-70100-109319
E X P E R T G U I D E · T N S P R O V I S I O N · A L L I A N Z G R AY
TNS Provision in Gray: Protect Your Income and Your Family in Case of Work Stoppage
Self-Employed Worker (TNS) — artisan, merchant, liberal profession, majority manager — your social protection is structurally lower than that of employees. In case of work stoppage, disability, or death, the benefits paid by the mandatory scheme (CPAM / SSI) may cover less than 50% of your income. Without complementary provision, your activity and the standard of living of your loved ones are at risk. Samir ABADOU, your Allianz general agent in Gray, offers tailored solutions to fill these gaps and secure your professional future.
- 3.4 M TNS in France exposed to insufficient social protection
- 50% of lost income on average in case of long-term stoppage without provision
- 90 days legal waiting period for SSI before first daily allowance
- Madelin Law: Tax deductibility of TNS provision contributions
WHY IS TNS PROVISION ESSENTIAL?
ALLIANZ TNS PROVISION GUARANTEE TABLE
| Guarantee | Coverage | Included |
|---|---|---|
| Daily Allowances | Income maintenance from Day 8 to Day 15 in case of illness or accident | ✓ Included |
| Total Disability (IPT) | Monthly pension until retirement in case of disability ≥ 66% | ✓ Included |
| Partial Disability (IPP) | Partial pension for incapacity between 33% and 66% | Option |
| Death — Capital | Capital paid to designated beneficiaries (spouse, children) | ✓ Included |
| Spouse / Education Pension | Monthly pension for the surviving spouse and pension per dependent child | Option |
| Loss of Executive Employment | Compensation in case of judicial liquidation or involuntary loss of mandate | Option |
| Surgical Hospitalization | Enhanced daily allowance during hospitalization | ✓ Included |
WHO IS THIS OFFER FOR?
- Artisans & merchants affiliated with SSI (including auto-entrepreneurs)
- Liberal professions (doctors, lawyers, architects, physiotherapists, accountants…)
- Majority managers of SARL / EURL subject to TNS regime
- Independent entrepreneurs wishing to complement their protection
- Business leaders wishing to optimize their net remuneration via Madelin
ADVANTAGES OF THE ALLIANZ TNS OFFER
⭐ WHY CHOOSE ALLIANZ GRAY PLEIN CIEL AGENCY?
- Free advice
- TNS expertise
- Quick quotes
- Regular follow-up
- Proximity to Gray
- 1st global insurer
Contact us for a free and personalized provision diagnosis!
ADDRESS
3 place Charles de Gaulle — 70100 Gray
PHONE
03 84 65 06 17
Allianz Assurance GRAY PLEIN CIEL — Samir ABADOU, General Agent Allianz — 3 place Charles de Gaulle, 70100 Gray — ORIAS n° general agent · Allianz IARD S.A. · Allianz Vie S.A. — Informational document, non-contractual.
Insufficient mandatory scheme:
- The SSI (ex-RSI) pays very low or even no daily allowances for liberal professions. The legal waiting period is 90 days.
- No employer subrogation: Unlike employees, no one maintains your salary during your stoppage. No income = no turnover.
- Fixed costs continue: Rent, loans, minimum social charges, professional insurance — everything continues during the stoppage.
- Madelin tax advantage: TNS provision contributions are deductible from taxable income under the Madelin Law, thus reducing your taxation.
- Family unprotected without death contract: The death capital of the mandatory scheme is capped and largely insufficient to protect your loved ones.
FAQ — FREQUENTLY ASKED QUESTIONS ABOUT TNS PROVISION
Is TNS provision mandatory?
No, it is not legally mandatory, but it is essential in practice. Without complementary provision, a work stoppage of more than 90 days can result in a loss of income exceeding 50%, jeopardizing your activity and household. Taking out TNS provision is one of the most important decisions for any self-employed person.
What is the difference between SSI and Madelin contract?
The SSI is your mandatory scheme: it pays capped daily allowances (approximately €22 gross/day for an artisan-merchant) with a 90-day waiting period. The Madelin contract is a complementary contract that completes and strengthens this protection: reduced waiting period, daily allowance amount adapted to your actual income, disability pensions, and death capital. Contributions are deductible from your taxable income.
What is the cost of TNS provision?
The cost depends on your age, profession, tax regime, and chosen guarantees. As a guideline, a 40-year-old artisan can access full coverage from €80 to €120 per month. The Madelin deductibility reduces the real cost by 30% to 45% depending on your tax bracket. Samir ABADOU provides a free and personalized quote by appointment.
Are daily allowances paid by a Madelin contract taxable?
Daily allowances paid by a Madelin contract are taxable as replacement income if the contributions have been tax-deducted (which is the case in almost all TNS contracts). This is normal: you benefited from a deduction at entry, so the exit is taxed. Note: the tax impact at exit remains lower than the benefit obtained at entry.
What happens in case of cessation of activity?
In case of cessation of activity (retirement, transition to a company with employee status, liquidation), your Madelin contract can be maintained or transformed according to the contract conditions. Your Allianz agent will assist you in adapting your coverage to your new situation without losing your acquired rights.
5 TIPS TO AVOID MISTAKES WHEN SUBSCRIBING
THE MADLIN LAW TAX ADVANTAGE IN DETAIL
“When I created my physiotherapy practice in Gray, my accountant advised me to take out TNS provision. I contacted Samir ABADOU who took the time to analyze my needs and my BNC regime precisely. He proposed a suitable Allianz Madelin contract: daily allowances from Day 15, death capital for my family, and disability pension. Two years later, I had an accident that immobilized me for 6 weeks. The compensation was quick, and I was able to maintain my standard of living without touching my savings. I highly recommend this approach to all independent professionals.”
— Alexandre P., Liberal Physiotherapist in Gray — Allianz Client since 2021
OUR SUPPORT IN 3 STEPS
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Protect your income today — Free and no-obligation quote!
ADDRESS
3 place Charles de Gaulle — 70100 Gray
PHONE
03 84 65 06 17
WEBSITE
agence.allianz.fr/gray-plein-ciel
Allianz Assurance GRAY PLEIN CIEL — Samir ABADOU, General Agent Allianz — 3 place Charles de Gaulle, 70100 Gray — ORIAS n° general agent · Allianz IARD S.A. · Allianz Vie S.A. · RCS Besançon — Informational document, non-contractual. The guarantees are subject to the general conditions of Allianz contracts. Contributions are deductible subject to the applicable Madelin ceilings (art. 154 bis of the CGI).
Frequently Asked Questions
- Between SSI (ex-RSI) and a Madelin contract?
- How much does TNS provision cost at Allianz?
- Are daily allowances taxable?
- What happens if I cease my TNS activity?
Assessment of Your Net Income to Replace
Assess your net income to replace precisely: Do not base it on your turnover but on your actual available income (BIC/BNC after charges). This amount should serve as a reference to calibrate your daily allowances.
Choose the right waiting period: The shorter the waiting period (Day 8, Day 15, Day 30, Day 90), the higher the contribution. If you have precautionary savings (3 to 6 months of charges), a waiting period of 30 or 60 days may suffice and reduce your premium.
Do not neglect death and disability guarantees: Short work stoppage is the most frequent risk, but permanent disability or death are the financially most devastating risks. Ensure that these guarantees are well included and sufficiently funded.
Respect Madelin ceilings for deductibility: Deductible contributions are capped each year (expressed as a fraction of the PASS). Do not exceed them without your accountant's advice. Samir ABADOU works in coordination with your accountant.
Declare your profession and health status accurately: Any omission or inaccuracy in the medical questionnaire can lead to the nullity of the contract and the refusal of compensation at the time of the claim. In case of doubt, seek advice from your agent before responding.
Deduction from Taxable Income
Contributions are deducted directly from your BIC or BNC before calculating income tax.
Annual ceiling calculated on income: Generally 3.75% of the PASS + 7% of professional income, within a global ceiling. Example: for €40,000 of income, the deduction can reach approximately €4,000–5,000/year.
Concrete tax savings: For a marginal bracket of 30%, a contribution of €1,500/year actually costs about €1,050 (savings of €450). At 41%, the savings are even greater.
Regular mandatory contribution: The Madelin contract requires regular payments (monthly or annually). This savings discipline is in itself a long-term advantage.
Steps to Follow
Step 1 — Free Diagnosis: Analysis of your professional situation, social regime, and protection needs. Duration: 30 to 45 minutes.
Step 2 — Personalized Proposal: Tailored Allianz quote with several levels of guarantees and simulations of the Madelin tax advantage.
Step 3 — Annual Follow-up: Review of your contract each year to adapt it to the evolution of your income, personal situation, and Madelin ceilings.