{"type":"document","data":{"id":"7b7bd5ff-e87d-4983-9d14-245186dbc7f5","localeString":"en-GB","publishDate":"2026-03-10T10:16:29.092+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Relieve your loved ones of the burden of paying inheritance tax on your estate in the event of your accidental death."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Do you want to ensure your loved ones don't have to use their savings to pay the inheritance tax on your securities account? With ING Inheritance insurance a portion of your inheritance tax can be paid.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/af91990c-f9b1-4e15-b779-934bd0691a66/inheritance-insurance-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/7738e23ff9e44eb2/original/inheritance-insurance-1920.jpg","extension":"jpg"},"title":"ING Inheritance Insurance","subtitle":"Insurance company: NN Insurance Belgium NV"},"backLink":{"textLink":{"url":"/en/individuals/insurance","text":"Insurance"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Everything about ING Inheritance Insurance"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/e47d52f0-1e0e-4e6d-8f30-2314d9f6ddd0/familykidsadultsbabynopadding-430-700-extend","type":"image","width":430,"original":"https://assets.ing.com/m/7863e11073ef855a/original/familykidsadultsbabynopadding-430-700-extend.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"For just 62 euros per year, (including tax and fees) your beneficiaries will receive an attractive benefit.","title":"Low premiums"},{"body":"In the event of your death by a covered accident, the beneficiary of your inheritance insurance will receive a benefit equivalent to 35% of the value of the securities account. The value of the securities account is calculated from the day before the accident, with a minimum benefit of 25,000 euros and a maximum of 90,000 euros (calculated on the basis of 1 account holder). This benefit partially or fully covers the inheritance tax associated with your securities account.","title":"Accidental death"},{"body":"For this inheritance insurance, you don't have to undergo any medical formalities.","title":"No med formalities"}]},{"componentType":"sectionTitle","title":"What is ING Inheritance Insurance?"},{"componentType":"paragraph","richBody":{"value":"<p>A life insurance policy for accidental death, subject to Belgian Law and developed by NN Insurance Belgium nv, linked to your <strong>ING Securities Account</strong>. If you should die due to an accident, your beneficiaries will receive an attractive amount, equal to a percentage of the value of the securities account. This will enable them to pay (some of) the inheritance tax linked to your securities account.</p>"}},{"componentType":"sectionTitle","title":"The main exclusions and limitations"},{"componentType":"paragraph","richBody":{"value":"<p><strong>The main exclusions</strong></p><ul><li>The insurance will not cover accidental death due to alcohol poisoning, insanity, or under the influence of drugs, unless it can be proven that there is no relationship between the accident and these circumstances;</li><li>As a result of a reckless act, a bet or a challenge, unless it can be proven that there is no link between the accident and these circumstances;</li><li>As a result of suicide or attempted suicide;</li><li>As a result of a crime or misdemeanour that was committed intentionally by the insured party;</li><li>Due to practicing one of the following sports: flying a private aeroplane, mountain climbing, parachuting, gliding, deep-sea diving, boxing, hang-gliding, flying with ultra-light motorised equipment and all speed racing in any form whatsoever. Accidental death while practising any of these sports is not insured.</li></ul><p><strong>Limitations</strong></p><ul><li>If a holder has multiple securities accounts in their name, the maximum combined benefit is 90,000 EUR.</li><li>If the Securities Portfolio was opened in the name of several private individuals the benefit (including the minimum and maximum amounts) will be shared between the number of joint holders.</li><li>If the deceased insured party is 70 years old or more, the payout (including the minimum and maximum amounts) will be halved.</li></ul>"},"textLinks":[{"url":"https://assets.ing.com/m/abc9321cdafdf069/ING-inheritance-insurance-EN.pdf","text":"Consult the General Terms and Conditions for all exclusions and limitations."}]},{"componentType":"sectionTitle","title":"Who can take out ING Inheritance Insurance?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>All adult private individuals, aged up to and including 70 years old</li><li>Holders of an <strong>ING Securities Account</strong></li></ul>"}},{"componentType":"sectionTitle","title":"Who can be the beneficiary?"},{"componentType":"paragraph","richBody":{"value":"<p>Unless otherwise agreed, the beneficiary who receives the benefit is:</p><ul><li>the spouse (neither divorced nor legally separated) or the legal cohabiting partner of the deceased insured person;</li><li>in their absence, the children of the deceased insured person and other descendants by substitution;</li><li>in their absence, blood relatives in ascending line of the deceased insured person;</li><li>in their absence, the estate of the deceased insured person</li></ul>"}},{"componentType":"sectionTitle","title":"How can I apply?"},{"componentType":"paragraph","richBody":{"value":"<p>You can take out this insurance in a branch. You don&apos;t have to fill out a medical form for this.</p>"}},{"componentType":"sectionTitle","title":"What happens in the event of accidental death?"},{"componentType":"paragraph","richBody":{"value":"<p>Following death by an accident that is covered, the beneficiary of your inheritance insurance will receive compensation equivalent to 35% of the value of the <strong>Securities Account.</strong></p><p>The value of the securities account is calculated from the day before the accident, with a minimum benefit of 25,000 euros and a maximum of 90,000 euros (calculated on the basis of 1 account holder).</p><p>If the death occurs within 24 months after the accident and the beneficiaries can prove that the death is a direct result of the accident, the cover will still be paid.</p><p>If the deceased insured party is 70 years old or more, the payout (including the minimum and maximum amounts) will be halved.</p>"}},{"componentType":"paragraph","title":"Amounts, duration and tax aspects","richBody":{"value":"<ul><li><strong>Amount of the premium and cover:</strong> you pay an annual contribution of 62 euros (including tax and fees) whereby the benefit amounts to a minimum of 25,000 euros and a maximum of 90,000 euros.</li><li><strong>Duration</strong>: the ING Inheritance insurance is taken out for one year and is automatically renewed each year on the main renewal date. If you wish to cancel this insurance, please send the cancellation letter by registered letter by the latest within 45 days after the yearly renewal date.</li><li><strong>Tax aspects : </strong>the benefit is not taxable itself, but it is subject to inheritance tax</li></ul>"}},{"componentType":"paragraph","title":"Who is NN Insurance Belgium SA/nv?","richBody":{"value":"<p>NN Insurance Belgium is an insurance company within the <a href=\"https://www.ing.be/en/retail/insurance/decease/info-about-nn-group\">NN Group</a> with a rich history in Belgium. NN Group is a Dutch insurance company and manager of investments listed on the stock exchange with a strong European focus. The group works in over 18 countries and employs more than 12,000 members of staff. NN Group provides services in the field of pensions, insurance, investments and, in the case of the Netherlands, banking services for more than 15 million customers.</p>"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","title":"Not entirely satisfied?","richBody":{"value":"<ul><li>Contact ING online: <a href=\"https://www.ing.be/en/retail/daily-banking/cards-and-payments/complaint-handling\">www.ing.be/complaints</a></li><li>Call ING: <a href=\"tel:003224646001\">+32 2 464 60 01</a></li></ul>"}},{"componentType":"paragraph","title":"Not happy about the way your complaints were handled?","richBody":{"value":"<ul><li>Contact ING Complaint Management, Cours Saint-Michel / Sint-Michielswarande 60, 1040 Brussels – Fax: <a href=\"tel:0032 2 547 83 20\">+ 32 2 547 83 20</a> Tel.: <a href=\"tel:0032 2 547 61 04\">+ 32 2 547 61 04</a> – E-mail: klachten@ing.be. or the Insurance Ombudsman, Square de Meeûs/de Meeûssquare 35, 1000 Brussel – Tel.: <a href=\"tel:0032 2 547 58 71\">+ 32 2 547 58 71</a> – Fax: <a href=\"tel:+ 32 2 547 59 75\">+ 32 2 547 59 75</a> – <a href=\"mailto:info@ombudsman-insurance.be\">info@ombudsman-insurance.be</a> - <a href=\"https://www.ombudsman-insurance.be/fr\">www.ombudsman-insurance.be</a></li></ul>"}},{"componentType":"sectionTitle","title":"Interested in ING Inheritance Insurance?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>For the applicable terms and conditions, exclusions and limitations please read <a href=\"https://assets.ing.com/m/abc9321cdafdf069/ING-inheritance-insurance-EN.pdf\">the General Terms and Conditions (PDF)</a> and <a href=\"https://assets.ing.com/m/35f2d475968f2dae/IPIDVerzekeringOverlijdenDoorOngevalEN.pdf\">the information document about the insurance product (PDF)</a> available at <a href=\"https://www.ing.be/en/retail\">www.ing.be</a> and from <a data-type=\"internal\" href=\"/en/individuals/services/branches\">any ING branch</a>. Please read these documents before taking out this insurance.</li><li>You have the opportunity to familiarise yourself with the <a href=\"https://assets.ing.com/m/58ca999aee1d0105/GeneralInformationInsuranceEN.pdf\">General Information on Insurance (PDF)</a> and the description of the conflict of interest policy, including the benefits, with <a href=\"https://assets.ing.com/m/0cffaeb0dde5b9e4/BelangenconflictINGBelgieEN.pdf\">ING Belgium SA/nv’s (PDF)</a> and with the <a href=\"https://assets.ing.com/m/68dd2de5fa47269b/BelangenconflictINGLifeNonLifeEN.pdf\">insurer (PDF)</a>.</li></ul><p>This information can be consulted at any time via <a data-type=\"internal\" href=\"/nl/particulieren\">www.ing.be</a> &gt; Charges and regulations &gt; Information and Regulations &gt; Insurances</p>"}},{"componentType":"applicationProcess"},{"componentType":"cta","textLink":{"url":"/en/individuals/services/get-in-touch","text":"Get in touch"}},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"An overview of your insurance policies?","intro":"View all your contracts online via Home'Bank","image":{"transformBaseUrl":"https://assets.ing.com/transform/cc64a0d0-847d-40ca-89f6-b071ca5a51e8/manchild","type":"image","width":814,"original":"https://assets.ing.com/m/7797498d80d9cd4b/original/manchild.jpg","extension":"jpg"},"link":{"url":"https://ebanking.ing.be/en/retail/insurance?standalone=true"},"linkText":"Insurance"}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contact us"}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"<p>ING Inheritance Insurance is offered to you, subject to acceptance by ING Belgium nv (insurance intermediary), an insurance broker registered with the FSMA under number 0403.200.393, NN Insurance Belgium nv (insurance company), an insurance company licensed by the NBB under number 2550. You will find further important information here:</p><ul><li><strong>Insurance Intermediary: </strong>ING Belgium nv, an insurance broker registered with the FSMA under code number 0403.200.393. Registered office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels - Brussels Register of Companies - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.</li><li><strong>Insurance company: </strong>NN Insurance Belgium NV, an insurance company licensed by the NBB under number 2550 for Classes 1a, 2, 21, 22, 23, 25, 26. Registered office: Avenue Fonsny/Fonsnylaan 38, B-1060 Brussels – Brussels Register of Companies – VAT BE 0890.270.057. BIC BBRUBEBB – IBAN BE28 3100 7627 4220</li></ul>"}}]}}}