Fixed capital life insurance is a life insurance policy governed by Belgian law, developed by NN Insurance Belgium SA/NV. In the event of your death, your beneficiaries receive a lump sum (fixed capital) that you determine in advance. This capital helps cover the financial consequences of losing a key person in your business and can be used for costs such as rent, investments or other expected and unexpected expenses.
"},"title":"What is fixed capital life insurance?"},{"richBody":{"value":"The policyholder must be a company based in Belgium and hold an account with ING. The legal representative must be at least 18 years old and officially recognised as the company’s legal representative.
"},"title":"Who can take out this life insurance?"},{"richBody":{"value":"When applying, you make key choices based on your company’s needs. You decide the insured capital (minimum EUR 2,500), the beneficiaries, and the payment frequency (annual or monthly). If you opt for a tax‑advantaged policy, the beneficiary must be your spouse, legal partner, or a first‑ or second‑degree relative. After the policy starts, you can request changes so it continues to fit your situation, subject to acceptance by the insurer.
"},"title":"How do I apply for this insurance?"},{"richBody":{"value":"The premium is determined after a risk assessment and depends on factors such as the insured capital, the term of the policy and your financial acceptance. Other personal factors are also taken into account, including age, health, smoking habits, profession, sports activities and time spent abroad. You can choose a regular premium paid throughout the policy term. Premiums are fixed and include taxes and charges. For individuals residing in Belgium, the tax on the premium is 2%. For legal persons, the tax is 4.40%. Annual payments incur no instalment fees. Monthly payments are possible (with instalment fees), provided the monthly premium exceeds EUR 5. The rate is valid for three years from the policy start date, subject to legal changes.
"},"title":"How is the premium calculated and paid?"},{"richBody":{"value":"You are free to choose the term of the policy. If you are still alive at the end date, the policy ends as planned and can be renewed under conditions you choose, subject to insurer approval. If you die during the term, the insurer automatically contacts your beneficiaries and guides them through the next steps.
"},"title":"How long does the policy last and what happens at the end?"},{"richBody":{"value":"The main exclusions include suicide during the first year of the policy, after restarting the policy, or after increasing the insured capital (only the increased portion is excluded). Death during parachuting, hang gliding, paragliding or while piloting an aircraft is not covered. Death during active participation in riots, disturbances or violence is also excluded. Full exclusions are detailed in the general terms and conditions.
"},"title":"What are the important exclusions?"},{"richBody":{"value":"NN Insurance Belgium SA/NV uses objective segmentation criteria to assess acceptance, pricing and possible extended guarantees. These criteria include the insured capital, policy term, financial acceptance, health, age, smoking status, profession, sports activities and travel risk. These elements help balance the premium with the level of risk insured.
"},"title":"How does the insurer assess risk?"},{"richBody":{"value":"
If the policyholder is self‑employed, tax relief may be available under long‑term savings, subject to conditions. Using tax relief means the capital paid on death will be taxed, although inheritance tax always applies. If the policyholder is a company, no long‑term savings tax relief applies. Premiums may be recognised as a professional expense, depending on your accounting situation. Always consult your accountant or tax adviser.
"},"title":"How does taxation work?"},{"richBody":{"value":"NN Insurance Belgium SA/NV (formerly ING Life Belgium SA/NV) is part of NN Group, an international insurer listed on Euronext Amsterdam. The group operates in more than 18 countries and serves over 15 million customers worldwide.
"},"title":"Who is NN Insurance Belgium SA/NV?"},{"richBody":{"value":"Before signing, consult the Information Sheet and the General Terms and Conditions, available at www.ing.be or at any ING branch.
Information on insurance policies and conflict‑of‑interest rules is also available via ing.be > Charges and regulations > Information and Regulations > Insure.
"},"title":"Where can I find legal and contract information?"},{"richBody":{"value":"ING’s Complaints Department and the Ombudsman are available to help. File your complaint here. For complaints regarding your life insurance itself, you can also contact the insurer directly.
"},"title":"What if I have a complaint?"}],"componentType":"accordion"},{"componentType":"cta","microCopy":"We’ll review your personal and business situation and help you define the protection that fits your needs.","textLink":{"text":"Request a personalised life insurance proposal","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/34fab1afc809844b/original/umbrella.svg","transformBaseUrl":"https://assets.ing.com/transform/2d4e4d8d-936e-4347-92f1-9d4e4c001936/umbrella","type":"image","width":160},"intro":"Report damage, change policy or download documents","link":{"url":"/en/business/services/my-business-insurances"},"title":"Insurances"}],"componentType":"cards"}]},"hasMacro":false,"id":"3408aa32-35ea-4e2e-a913-e1486c377fef","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal information"},{"componentType":"paragraph","richBody":{"value":"Insurance intermediary: ING Belgium SA/nv, an insurance broker registered with the FSMA under the code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels - RPR Brussels - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
Insurer: AXA Belgium, S.A. of insurances authorised under n° 0039 to practise the life and non-life branches (KB04-07-1979, BS 14-07-1979) at the National Bank of Belgium, located at Boulevard de Berlaimont 14, B-1000 Brussels - Main office: Place du Trône 1 - B-1000 Brussels (Belgium) - Website: www. axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - CBE no.: VAT BE 0404.483.367 RPR Brussels 7.06.5833 - 0616.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"productHeader","coreHeader":{"body":"Thinking about the future of your family and your business is part of running a company responsibly. In the event of your death, the financial impact can be significant, both privately and professionally. AXA Belgium's Life Insurance with fixed capital helps ensure that your loved ones or your business are financially protected, by paying out a predetermined amount when it matters most.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/2ba1dc878746f27f/original/life-insurance-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/7998da9c-a7da-413c-9ed5-f209214c6286/life-insurance-1920","type":"image","width":1920},"subtitle":"Protect your family and your business if the unexpected happens","title":"Life insurance with fixed capital for your business"},"cta":{"componentType":"cta","textLink":{"text":"Already an ING client? Request a call","url":"https://ebanking.ing.be/banking/bset/intake-insurance?flow-step=ins-your-question"}},"secondaryCta":{"textLink":{"text":"Not a client yet? Talk to an ING advisor","url":"/en/business/services/contact-us"}}},"publishDate":"2026-05-06T15:21:48.691+02:00"}}