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A death insurance policy developed by NN Insurance Belgium SA/nv
Wondering how you can ensure the quality of life for your loved ones in the event of your death? With ING Fixed Capital Death Insurance, you can provide them with solid capital to meet anticipated and unexpected costs.
You choose the insured capital, the term, the beneficiaries of your policy and the frequency of payment (monthly or annual) yourself. You can adapt the criteria to suit your needs and budget (subject to acceptance by the insurer).
For your family
A payment under this policy will help your family bridge all or some of the shortfall from the loss of income arising from your death over a certain period and pay anticipated and unexpected expenses (such as rent, school fees or inheritance tax).
For a modest premium, you can give your family peace of mind.
As a private individual you can choose to take advantage of tax relief on your premiums as part of long-term saving under certain conditions. See “tax matters” for more information.
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 death. This will help them cover the loss of income and meet anticipated and unexpected costs resulting from your death such as rent, school fees, or inheritance tax.
You can apply for this insurance at your local branch.
A number of criteria influence the insurer’s decision on whether or not to insure a risk and at what rate. These are Acceptance Criteria (AC), Pricing Criteria (PC) and Extended Guarantee Criteria (GC). We use these segmentation criteria to find a balance between the premium you pay and the loss or damage we anticipate. These criteria are objective criteria that can influence the probability or extent of loss or damage.
Acceptance Criteria (AC)
Pricing Criteria (PC)
Extended Guarantee Criteria (GC)
Duration of the contract
Profession and sport(s)
Travel risk factor
Please find below an explanation of the applicable segmentation criteria.
As a private individual you can choose to take advantage of tax relief on your premiums as part of long-term saving. The only condition is that you are below the age of 65 when you take out the policy and that you appoint your spouse, legal partner or a first or second-degree relative as beneficiary.
If you take advantage of tax incentives on at least one occasion during the term of the policy, please be aware that in the event of the insured person’s death, the beneficiary will be taxed on the capital paid out. To avoid this tax burden, you can choose to make your policy tax-free. Please be aware that in the event of the insured person’s death, you will always be liable for inheritance tax. You can ask a tax advisor for more information at any time.
Who is NN Insurance Belgium SA/NV?
NN Insurance Belgium SA/nv (formerly ING Life Belgium SA/nv) is an insurance company belonging to the NN Group with a rich history in Belgium. NN Group is a Dutch insurer and an insurance and investment company listed on the stock exchange (Euronext Amsterdam) with a strong foothold in Europe. The group works in over 18 countries and employs more than 12,000 members of staff. With more than 15 million customers, NN Group provides services in the field of pensions, insurance and investment, with the addition of banking in the Netherlands.
Not entirely satisfied?
Not satisfied with the way your complaint has been handled? You can also contact the Insurance Ombudsman, Square de Meeûs/de Meeûssquare 35, 1000 Brussels, Belgium – Tel.: + 32 2 547 58 71 – Fax: + 32 2 547 59 75 – email@example.com – https://www.ombudsman-insurance.be
Interested in ING Fixed Capital death insurance?
Please read these documents before signing your policy.
You can find
The ING Fixed Capital Death Insurance policy is offered to you, subject to acceptance, by: