Insurance & Pension for Self-Employed & Businesses

No. We are a financial management and bookkeeping firm. The insurance services themselves — policy sales, personal pension advice — are provided in partnership with a licensed insurance agency that works with us. We connect our clients to that agency, ensure the handling is professional, and integrate it into the overall financial plan.

The big plus: we know your business deeply (income, expenses, cash flow, tax). A standalone insurance agent does not see this picture. The combination creates smarter planning — e.g., how much to contribute to a study fund based on this year's expected profit, and which life cover fits the business tax structure.

The main ones: Study Fund for self-employed (annual contribution cap of ₪20,520 in 2026, exempt from capital gains tax), pension fund / manager insurance (cap of ₪81,711 annually, contribution recognized as business expense), and investment provident fund. Priority order depends on income and goals.

Legally mandatory for salaried employees (after 3 months). For owner-managers — it is "non-cash salary" — a smart tax benefit. We help plan the right structure: how much salary, how much pension contribution, how much dividend.

Two types of pension savings products with different return structures and death/disability guarantees. Manager insurance = more flexible, fits those who want control over insurance components. Pension fund = more stable, guarantees a minimum return. Choice depends on age, family, and income — and here too our partner agency advises directly.

The financial consultation with us — free. The specific insurance services (policy, transfer, adjustment) are provided by the partner insurance agency, whose commission is paid by the insurance company itself (as standard in the industry). The client pays no direct commission.