Before taking out your insurance, please consult the Insurance Product Information Document (pdf) and the general terms and conditions (pdf) for more information on the coverages and exclusions.
"}},{"componentType":"paragraph","richBody":{"value":"Not yet an ING customer? Then open an ING current account first.
"}},{"componentType":"feature","featureName":"fixed-capital-death-insurance-simulator"},{"componentType":"sectionTitle","title":"How the simulator works?"},{"componentType":"paragraph","richBody":{"value":"Our simulator is based on some predefined criteria about your health (we assume you are a non-smoker), and the duration of the contract (10 years). It will give you an idea of how much your insurance could cost.
The cost is dependent on age, lifestyle and cover chosen in your contract.
You can always personalise your insurance in the next step of the process and tailor the amount and the duration of your contract to find the level of cover that is adapted to your situation.
"}},{"componentType":"sectionTitle","title":"What is ING Fixed Capital Death Insurance?"},{"componentType":"paragraph","richBody":{"value":"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.
"}},{"componentType":"sectionTitle","title":"Underwriting and the most important exclusions"},{"componentType":"paragraph","richBody":{"value":"To take out the insurance, you must be at least 18 years of age, domiciled in Belgium and have an ING account.
You choose:
During the term of the policy, it can still be amended, subject to acceptance by the insurer.
"}},{"componentType":"sectionTitle","title":"Exclusions"},{"componentType":"paragraph","richBody":{"value":"The most important are:
Before taking out an ING Death Insurance policy with Fixed Capital, it is important that you consult the following documents (with the applicable conditions, exclusions and limits):
For further information, you can always consult Rates and Regulations (under ‘Insurance’)
"},"textLinks":[{"url":"https://assets.ing.com/m/db6542593ec4b0bd/original/TermsCondFixedCapDeathIns_EN.pdf","text":"general information about insurance policies (PDF)"},{"url":"https://assets.ing.com/m/0cffaeb0dde5b9e4/original/BelangenconflictINGBelgieEN.pdf","text":"about the conflict of interest policy, including the benefits: of ING Belgium nv (PDF)"},{"url":"https://assets.ing.com/m/68dd2de5fa47269b/BelangenconflictINGLifeNonLifeEN.pdf","text":"about the insurer (PDF)"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What information do I need to confirm my purchase of cover?","richBody":{"value":"Please log into our digital sales flow and enter the required information. You will need to re-enter the duration of coverage and the amount of capital you want to insure.
"}},{"title":"Why do I see a different price when I log-in?","richBody":{"value":"An insurance premium can vary based on your age, the amount of capital and duration of coverage. Your health, and particularly your smoker status also has a significant impact on the price you will pay. For full details on the acceptance, pricing and extended guarantee criteria please consult the “Segmentation Policy” on product page
"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Legal provisions","richBody":{"value":"You are not yet insured following this price simulation.
The results of the simulation are indicative only, based on the data you provided.
It may vary depending on the starting date of the contract, the answers you give to our questions, a tariff change, or a modification of the product by NN Insurance Belgium.
The premium includes charges, taxes and contributions.
This simulation does not constitute an offer from ING nor NN Insurance Services, and is not binding neither for you or for ING or NN Insurance Services in any way.
The policyholder is free to choose the term of the contract. The policy ends on the chosen date or on the date of death of the insured person, if any. In the event of death, the beneficiaries are automatically contacted by the insurer, who informs them of the steps to be taken. The premiums are set after risk assessment and confirmed in the contract. The premiums (annual or monthly) are fixed, including taxes and fees. The premium tax is 2% on each premium paid. The insurer, NN Insurance Belgium SA/NV, may ask you about your age, whether you are a smoker, your profession, the sports you practice, and your health status on the basis of a questionnaire or medical examination. If, at the time of taking out the policy, you have known health problems that have an impact on the risk of premature death, the insurer will take this into account. If the questionnaire or medical examination does not give a sufficiently clear picture of your health, the insurer may also ask you to answer additional questions or provide additional data.
Insurance intermediary: ING Belgium SA/NV – Bank – Avenue Marnix/24 Marnixlaan B-1000 Brussels – Brussels Register of Companies – VAT: BE 0403,200,393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ING.BE – Contact us via ING.BE/contact – Insurance broker, registered with the FSMA under number 0403,200,393.
Insurer: NN Insurance Belgium SA/NV, insurance company authorised by the NBB under number 2550 for Branches 1a, 2, 21, 22, 23, 25, 26 and mortgage lender authorised by the FSMA under code 0890270057 – Registered office: Avenue Fonsny 38, B-1060 Brussels – Brussels Register of Companies, Belgium – VAT BE 0890,270,057 – BIC: BBRUBEBB – IBAN: BE28 3100 7627 4220 – www.NN.BE
"}}]}}}