{"id":7650,"date":"2026-10-29T17:46:28","date_gmt":"2026-10-29T16:46:28","guid":{"rendered":"https:\/\/balmontconseil.com\/?p=7650"},"modified":"2026-10-29T17:46:28","modified_gmt":"2026-10-29T16:46:28","slug":"retraite-agent-general-assurance-2026-combien-combler-ecart","status":"publish","type":"post","link":"https:\/\/balmontconseil.com\/en\/blog\/retraite-agent-general-assurance-2026-combien-combler-ecart\/","title":{"rendered":"What pension will a general insurance agent receive in 2026 with an income of \u20ac80,000, and how much is missing?"},"content":{"rendered":"
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In summary\u2026<\/h2>\n

A general insurance agent who clears \u20ac80,000<\/b> of annual income, for \u20ac200,000 in commissions (assummary), over 35 years earns approximately \u20ac35,200 gross per year<\/b> (approximately \u20ac2,940 per month) at age 67 from the General Insurance Agents' Old-Age Allowance Fund (CAVAMAC): \u20ac13,010 from the basic scheme and \u20ac22,220 from the supplementary scheme, i.e. 44%<\/b> of his income. To recover 70 % of his income, approximately \u20ac20,800 per year<\/b>, representing a capital of approximately \u20ac362,000<\/b> to build up, which requires approximately \u20ac12,100 in savings per year for 20 years. The maximum deduction for a retirement savings plan (PER) is approximately \u20ac5,820 in 2026.<\/b> and covers 48 % of the effort: the rest goes through life insurance and real estate.<\/p>\n<\/div>\n

1. The scheme for a general insurance agent: CAVAMAC<\/strong><\/h2>\n

The retirement of a general insurance agent is managed by the CAVAMAC<\/b>, one of the ten professional sections of the National Old-Age Insurance Fund for the Liberal Professions (CNAVPL). It manages three schemes: the basic liberal scheme (RBL)<\/b>, THE supplementary scheme (RCO)<\/b> and the disability-death benefit scheme (DDS)<\/b>. Both pension schemes pay a pension in points: number of points earned \u00d7 point value<\/b>. The rates below are those for 2026.<\/p>\n

\n\n\n\n\n\n\n\n
Diet<\/th>\nPlate<\/th>\n2026 Membership Fee<\/th>\nPoint value 2026<\/th>\n<\/tr>\n<\/thead>\n
Basic scheme (RBL)<\/td>\nProfessional income from the previous year, after a deduction of 26 %<\/td>\n8.73 % up to one annual Social Security ceiling (PASS, \u20ac48,060), then 1.87 % up to five times the PASS (\u20ac240,300). Minimum contribution: \u20ac573<\/td>\n\u20ac0.6599: up to 557 points on the first bracket and 25 on the second, pro rata to the contribution<\/td>\n<\/tr>\n
Supplementary pension scheme (RCO)<\/td>\nCommissions and gross remuneration for the previous year, capped at \u20ac625,777<\/td>\n6.30 % which create rights, called up to 121.6 %, or 7.66 % in total. The principal companies participate through a conventional contribution of 2.50 % of capped commissions<\/td>\n\u20ac0.4123 per point served, \u20ac8.1806 per point purchased (reference coefficient)<\/td>\n<\/tr>\n
Disability-Death (RID)<\/td>\nCommissions are capped, like the RCO<\/td>\n0.57%<\/td>\nNo retirement pension<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n

The supplementary scheme is a significant expense: it is calculated on the commissions<\/b>, before agency expenses (employees, rent, software), whereas the basic scheme is calculated on the income<\/b>. According to the 2026 administrative and financial report of CAVAMAC, the average base for the supplementary pension scheme is \u20ac296,415 (2025) for an average declared income of \u20ac115,443 (2024): income represents approximately 39% of commissions. For the typical case, we use 40%: \u20ac80,000 of income for \u20ac200,000 in commissions. This is a calculation hypothesis<\/b>, which controls almost two-thirds of the pension.<\/p>\n

2. What the tax base reform changes, and what it does not change<\/strong><\/h2>\n

CAVAMAC applies the new social security base only to basic regime<\/b> Income, before deduction of social security contributions, is reduced by a standard allowance of 26% (it cannot be less than 1.76% of the annual social security ceiling (PASS) or more than 130% of the PASS). The rate for the first bracket has increased from 8.23% to 8.73%, and the number of points at the ceiling has increased from 525 to 557. The supplementary pension scheme and the disability-death scheme remain based on commissions and are not affected.<\/p>\n

For an income of \u20ac80,000, the base for the basic scheme is \u20ac59,200<\/b>, above the PASS: the first tranche is contributed at its maximum, i.e. 4,196 \u20ac for 557 points, and the second, at 1.87 %, represents 1,107 \u20ac for 6.2 points out of 25.<\/p>\n

A benchmark based on these values: one point in the first bracket costs \u20ac7.53 in contributions and pays \u20ac0.6599 per year, i.e. 8.8 % per year<\/b>. One point in the second tranche costs \u20ac179.74 for the same payment: 0.4 % per year<\/b>. Beyond the PASS (annual social security ceiling), the basic contribution buys very little pension.<\/p>\n

3. At what age and under what conditions is the full rate granted?<\/strong><\/h2>\n