Income Plan Pro is designed to protect company directors against the financial consequences of an incapacity for work caused by illness or accident.
Depending on the formula chosen, the insurance can help compensate for a loss of professional income or support the continuity of the business activity generated by the insured company director.
In addition to the insured benefit, premiums may also be reimbursed during the period of incapacity, subject to the contract conditions.
An ING advisor can guide you to take out this insurance. All applicable costs and taxes are included in the premium, so you have a clear view of what you will pay. The contract runs for one year and is then automatically renewed, unless you decide to cancel it in accordance with the policy conditions.
"}},{"componentType":"sectionTitle","title":"Discover the key advantages of our Guaranteed Income Insurance"},{"componentType":"paragraph","richBody":{"value":"Greater financial security for you and your business, with protection tailored to your needs.
"}},{"accordionList":[{"richBody":{"value":"Receive a monthly benefit if you are unable to work due to an illness or accident, helping to reduce the financial impact on you and your business.
"},"title":"Financial protection in case of incapacity"},{"richBody":{"value":"Choose a level of cover that matches your professional income or the business activity you generate for your company.
"},"title":"Protection tailored to your situation"},{"richBody":{"value":"Select the waiting period that best fits your needs and financial situation.
"},"title":"Flexible waiting period"},{"richBody":{"value":"With the Keyman formula, your company receives support to help absorb the impact of the company director's incapacity.
"},"title":"Support for business continuity"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Optional covers of our Guaranteed Income Insurance"},{"componentType":"paragraph","richBody":{"value":"Strengthen your protection with these additional options:
"}},{"accordionList":[{"richBody":{"value":"Extend the protection to certain mental health-related incapacities, subject to contract conditions and limits.
"},"title":"Mental health cover"},{"richBody":{"value":"Choose annual indexation of the insured benefit during a period of incapacity.
"},"title":"Benefit indexation"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Exclusions and limitations"},{"componentType":"paragraph","richBody":{"value":"There are certain conditions under which the insurance may not pay out. The following exclusions apply for this insurance product:
The list above is not exhaustive. Read the Insurance Product Information Document (FR) and the General Terms and Conditions (FR) before signing up.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Protection starts from a recognised partial incapacity of 25%. Total incapacity is recognised from 67%. The amount paid depends on the recognised degree of incapacity and the terms of the contract.
"},"title":"From what degree of incapacity am I compensated?"},{"richBody":{"value":"If the optional mental health cover has been selected, benefits may be paid for up to three years over the lifetime of the contract, subject to the applicable conditions and limits.
"},"title":"How long can I receive my annuity in the event of psychological incapacity?"},{"richBody":{"value":"The insured amount depends on your professional situation and the underwriting criteria. The maximum benefit is linked to your professional income or, for the Keyman solution, to the turnover generated by the insured person.
"},"title":"What is the maximum amount I can receive?"},{"richBody":{"value":"Benefits paid to the company director must generally be declared for tax purposes. The applicable tax treatment depends on the individual situation of the insured person and the applicable legislation.
"},"title":"Are annuities received by the company director taxable?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Report a claim"},{"componentType":"paragraph","richBody":{"value":"You can easily report an accident through the channel that you find most convenient. Please consult this overview.
"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product? Our Complaints Department and Ombudsman are here to help you.
Not completely satisfied with your AXA Income Plan Pro (Keyman)?
Contact AXA online: customer.protection@axa.be
"}}]},"hasMacro":false,"id":"659564d5-1d74-4b1b-96cd-bcba6df286b7","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"
Income Plan Pro insurance by AXA Belgium is subject to Belgian law. It is offered to you subject to acceptance by:
Insurance intermediary: ING Belgium NV, insurance broker, registered with the Belgian Financial Services and Markets Authority (FMSA) under code 0403200393. Company headquarters: Marnixlaan 24, B-1000 Brussels - Brussels Register of Commerce – VAT no. BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer: AXA Belgium, public limited insurance company authorised under no. 0039 to practise in the life and non-life branches (KB04-07-1979, BS 14-07-1979) by the National Bank of Belgium, located at Berlaimontlaan 14, B-1000 Brussels - Headquarters: Troonplein 1 - B-1000 Brussels (Belgium) - website: www.axa.be - Tel.: 02 678 61 11 - Fax: 02 678 93 40 - VAT no. BE 0404.483.367 - Brussels Register of Commerce no. 7.06.5833 - 0616.
Insurance policies and conflicts of interest: you can find general information about insurance policies and a description of the conflict of interest policy, including the benefits: