Non-tax-saving solutions
Investment insurance
In addition to tax savings, as possible in Branch 21 and Branch 23 life insurance policies, you can also individually build up additional capital through investment insurance policies. This non-fiscal solution for savings is ideal for larger capitals.
Why take out investment insurance?
Investment insurance is particularly suitable for ensuring the growth of larger capital sums. For example, it’s the ideal solution for capital from savings policies (IPC, PSPSE, pension savings, etc.), from the sale of a house or an inheritance, for succession planning, etc.
Investment insurance is tax neutral. Although you will not obtain any tax benefit on the saved premiums, you will also not pay taxes on the proceeds in many cases. In addition, investment insurance will give you a lot of freedom. You are not bound to comply with additional tax rules, so that you are free when it comes to determining the beneficiary, the strategy, the term, any additional cover, and so on.
A combination of a savings plan and investment in the same contract is also possible
Creating savings via an investment insurance is possible either through regular premiums or unique deposits, as well as in Branch 21, Branch 23, or a combination of both (Branch 44).
Branch 21 provides you with a capital and interest guarantee, although the proceeds are currently very low. You can invest in investment funds through Branch 23. The price of the investment funds determines the value of your investment insurance, however. As a result, the value during or at the end of your insurance may be lower than you expected. We can provide you with the appropriate solutions to prevent this, and to offer you more security.
To what should you pay attention when taking out an investment insurance policy?
An investment insurance in Branch 23 entails some financial risk. As the price of the investment funds largely determines the value of your investment insurance, this value during or at the end of the ride may be lower than you hoped for. We will help you to minimise this risk.
Why take out an investment insurance policy with Van Dessel?
In our role as a broker, we will be happy to advise you on the various options for building up additional pension capital. We will thereby take into account your financial possibilities and your expectations in terms of return, while at the same time providing an interesting solution from a tax point of view. We will also review how you (and your company) can enjoy the maximum tax benefits each year.
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