Protecting your family is relevant at any age. Because you undoubtedly want the best for your loved ones, you want them to keep the same standard of living no matter what happens to you. So you need to prepare…
The best insurance choices
There are a number of insurance policies to cover your family. Your Personal Banker can present them to you and determine with you which ones are best suited to your situation.
Inheritance insurance
Do you want to avoid your loved ones having to draw on their savings to pay the inheritance duty linked to your securities portfolio? Then take out accidental insurance linked among other things to your ING securities portfolio1. If you should die accidentally, your beneficiaries would receive an appropriate amount; a percentage of the value of the ING securities portfolio. Your beneficiaries will be able to pay all or part of the inheritance duty linked to the value of your securities portfolio.
ING Inheritance insurance is offered to you, subject to acceptance, by ING Belgique SA (insurance intermediary), an insurance broker registered with the FSMA under number 0403 200 393 and NN Insurance Belgium SA (insurer), an insurance company authorised by the NBB under number 2550.
For full conditions and exclusions, see the General Terms (PDF).
All the other important information is available here:
- Insurance intermediary: ING Belgique SA, insurance broker registered with the FSMA under code number 0403 200 393. Registered office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels - Brussels Trade Register - VAT BE 0403 200 393 - www.ing.be - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.
- Insurer: NN Insurance Belgium SA, insurance company authorised by the NBB under number 2550 for Branches 1a, 2, 21, 22, 23, 25 and 26. Registered office: Avenue Fonsny 38, B-1060 Brussels – Brussels Trade Register − VAT BE 0890 270 057. BBRUBEBB – IBAN BE28 3100 7627 4220.
Fixed capital life insurance
How can you ensure the quality of life of your loved ones if you should die? Take out fixed capital life insurance where the beneficiaries receive a capital amount, which you have previously chosen, to manage the loss of income related to your death, as well as expected and unexpected costs (rent, children's education, inheritance duty, etc.).
ING fixed capital life insurance is offered to you, subject to approval and mutual agreement, by:
- Insurance intermediary: ING Belgique SA, insurance broker registered with the FSMA under code number 0403 200 393. Registered office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels – Brussels Trade Register – VAT BE 0403 200 393 – www.ing.be – Brussels Trade Register – VAT BE 0890 270 057. BIC: BBRUBEBB – IBAN: BE28 3100 7627 4220
- Insurer: NN Non-Life Insurance nv, a company incorporated under Dutch law authorised to insure risks in Belgium, an insurance company registered under code number 1449. Registered office: Prinses Beatrixlaan 35, 2595 AK The Hague, The Netherlands – Trade Register number 27127537, supervised by De Nederlandsche Bank.
- Representative in Belgium: NN Insurance Services Belgium SA/NV, responsible, among other things, for settling claims for NN Non-Life Insurance SA/NV in Belgium, an insurance agent registered with the FSMA under code number 103019A. Registered office: Avenue Fonsny 38, B-1060 Brussels, Belgium – Brussels Trade Register − VAT BE 0890 270 750
Belgian legislation, including the law of 4 April 2014 on insurance, applies to this policy.
Income insurance
Protect your loved ones in the event of accidental death by taking out income insurance linked to your ING current account. If you should die as a result of an accident, your designated beneficiary will receive monthly payments for a full year (payments based on your account movements before the accidental death).
ING income Insurance is offered to you, subject to acceptance, by
- Insurance intermediary: ING Belgique SA, insurance broker, registered with the FSMA under code number 0403 200 393. Registered office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels – Brussels Trade Register – VAT BE 0403 200 393 – www.ing.be – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.
- Insurer: NN Insurance Belgium SA, insurance company authorised by the NBB under number 2550 for Branches 1a, 2, 21, 22, 23, 25 and 26. Registered office: Avenue Fonsny 38, B-1060 Brussels – Brussels Trade Register − VAT BE 0890 270 057. BBRUBEBB – IBAN BE28 3100 7627 4220.
Belgian legislation, including the law of 4 April 2014 on insurance, applies to this policy.
Inheritance: everything you need to know
The death of a close relative is emotionally difficult and often confronts heirs with a whole series of administrative and legal steps. You should know that you can limit the worry related to the complexity of inheriting from you. Your Personal Banker is a fully reliable source of information, and you can rely on their discretion.
Inheritance duty
Whoever inherits has to pay inheritance duty. The rate of this duty depends on the amount inherited as well as the degree of relationship with the deceased. In addition, each region has its own rate. Your Personal Banker can help you calculate the amount of this inheritance duty.
Donation
In their lifetime, a person can make arrangements to pass on part of their assets through a donation. This reduces the inheritance duty of their heirs. There are several ways to make a donation: by notarial deed, by bank donation, by including certain clauses, etc. Your Personal Banker can give you more information about this.
Extrajudicial mandate
You might find yourself in a situation where your physical or mental health temporarily or permanently means that you can no longer make important decisions about your assets for yourself. An extrajudicial protection mandate gives you the chance to prepare for this eventuality and protect yourself.