Choose an affordable contribution
Look at your available income after essential spending and emergency savings. Test whether you could continue saving during a quieter business period or unexpected expense. A plan based on an optimistic monthly surplus may create pressure later. Start with a contribution you can explain and sustain.
Distinguish 3a and 3b
Pillar 3a has eligibility, contribution and withdrawal rules. Pillar 3b covers a wider range of unrestricted private savings arrangements, but an insurance contract can still contain contractual commitments. Ask which category the proposal uses and how your own tax and residency situation affects it. Do not assume everyone obtains the same tax benefit.
Review change scenarios
Ask what happens if you reduce payments, stop working, move abroad or need the money earlier. Review fees and investment risk alongside any protection. Keep the written answers and compare equivalent alternatives. A suitable third pillar supports a realistic plan instead of relying on the largest projected final balance.