Life and family

ING Fixed Capital Death Insurance

Indispensable protection for your family

ING Fixed Capital Death Insurance is an accidental death insurance product subject to B elgian Law developed by NN Insurance Belgium SA/NV. In the event of your accidental death, the policy will ensure your named beneficiaries receive a lump sum of an amount chosen by you in advance, to help cover the loss of income as well as any other direct or indirect costs resulting from your death such as rent, school fees, estate settlement fees, etc.​​​​

  • Peace of mind

    Your family will be compensated for the loss of income resulting from your death, as well as expected or unexpected costs such as rent, school fees, estate settlement fees, etc.

  • Open to all

    For a modest premium, you can give your loved ones the security and peace of mind they deserve.

  • Flexible

    You determine the amount of capital to insure, the term and the beneficiaries of your policy. You can also determine the frequency of premium payments (monthly, quarterly, half yearly, annually) and you can change these options to suit your circumstances and needs (policy amendments subject to acceptance by the insurer).

  • Clarity

    Your premiums are guaranteed for a minimum period of 3 years, except in the case of legal changes to your policy.

  • Tax deductible

    If you are under 65 years of age and you appoint your spouse/legal partner or a first or second-degree relative as beneficiary, you can choose to benefit from a tax reduction on your premiums in connection with long-term savings.

A death insurance policy subject to Belgian Law developed by NN Insurance Belgium SA/NV whereby your beneficiaries receive a lump sum, which you determine, in the event of your accidental death. To help them cover the loss of income and other direct or indirect costs resulting from your death such as rent, school fees, the cost of settling your estate, etc.

This insurance is intended for people who like to plan ahead and who want to ensure a decent quality of life for their family after they are gone.

You are free to choose any beneficiary or beneficiaries you wish. However the choice of beneficiary can impact the potential tax breaks on the premium. In order to retain your tax benefit, you must designate your spouse or legally cohabiting partner or a first or second-degree relative as beneficiary.

  • When taking out a policy: You decide the insured capital (minimum 12,250 euros) and the beneficiary. Please bear in mind, however, that your choice of beneficiary may have an impact on the potential tax breaks on your premiums.
  • During the policy: You can change the contract to match your changing circumstances. Please bear in mind, however, that all changes to your policy are subject to acceptance by the insurer.
  • When the policy expires:
    • While you are alive: the policy ends at the date of your choice. You can then opt to extend it on whatever basis you choose, subject to acceptance by the insurer.
    • In the event of your death: your beneficiaries will be automatically contacted by the insurer, who will explain the relevant procedures to them.
  • Your premium: Premiums are payable for the duration of the policy and include taxes and fees, including the 2% premium levy. If you wish, you can opt for periodical premiums.
  • Fixed for 3 years: Your premiums are fixed for a period of 3 years from the start date of the policy provided you do not make changes to the policy during this time.
  • Pending our approval: We use a certain number of factors to decide whether to accept your request for insurance, as well as to determine the premiums of your insurance and the extent of the guarantee.
    They include the insured capital, the duration of the contract and the financial acceptance. They also include factors related to the person being insured, such as their smoking behaviour, age, health condition, profession, the sport(s) they practice and if applicable, whether or not they travel to foreign countries for long periods of time.
    The final premium amount will be determined after evaluating the risk and will be confirmed in the policy.