The Key Information Document (KID) :
ING Life Invest Moderated (PDF) – Balanced (PDF) – Dynamic (PDF)
Other pre-contractual information:
ING Life Invest Moderated(PDF) – Balanced (PDF) – Dynamic (PDF)
Pre-contractual sustainability document
"},"textLinks":[{"url":"https://assets.ing.com/m/4f226e56341836cd/original/ing-life-invest-sfdr-EN.pdf","text":"Pre-contractual sustainability document (PDF)"}]},{"componentType":"paragraph","richBody":{"value":"The management rules:
ING Life Invest Moderated (PDF) – Balanced (PDF) – Dynamic (PDF - FR)
General Terms and Conditions:
"}},{"componentType":"paragraph","richBody":{"value":"The sales brochure:
"}},{"componentType":"paragraph","richBody":{"value":"These documents are also available free of charge from your ING branch and on this page in three languages (French, Dutch and English).
"}},{"componentType":"sectionTitle","title":"ING Life Invest, who is it for?"},{"componentType":"paragraph","richBody":{"value":"Private individual between the ages of 18 and 79 residing in Belgium can take out a ING Life Invest policy.
"}},{"componentType":"sectionTitle","title":"How long is this policy for?"},{"componentType":"paragraph","richBody":{"value":"This is a lifetime policy which ends upon the death of the policyholder or once all of the reserve has been withdrawn. You must determine an investor profile to respect your investment horizon. The recommended investment horizon is 5 years.
"}},{"componentType":"sectionTitle","title":"Investment policy"},{"componentType":"paragraph","title":"NN Life Invest Moderated Fund","richBody":{"value":"The insurer invests the capital in the insurance fund NN Life Invest Moderated Fund (ISIN code: BE6313715821) which, in turn, invests in the investment fund ING Personal Portfolio Moderate (ISIN code: BE6350120158).
This underlying investment fund is a fund of funds and invests primarily in shares of collective investment instruments, specifically in UCIs that invest in bonds, money market instruments, real estate and equities. It is a sub-fund of the SICAV ING (B) Collect Portfolio. This underlying investment fund invests in instruments that focus on yield potential. The underlying investment fund is actively managed on the basis of a targeted investment profile consisting of 70% fixed income securities and 30% equities. The proportion of equity funds may reach a maximum of 40% of the sub-fund’s assets.
The underlying investment fund applies an investment approach that considers ESG factors in the portfolio selection and management (Article 8 SFDR).
This insurance linked to investment funds is aimed particularly at investors with a moderated risk profile. Before investing in this product, we recommend that you ensure that you fully understand the characteristics of this product and, most importantly, the risks it entails.
"}},{"componentType":"paragraph","title":"NN Life Invest Balanced Fund","richBody":{"value":"The insurer invests the capital in the insurance fund NN Life Invest Balanced Fund (ISIN code: BE6310968514) which, in turn, invests in the investment fund ING Personal Portfolio Balanced (ISIN code:BE6350121164) .
This underlying investment fund is a fund of funds and invests primarily in shares of collective investment instruments, specifically in UCIs that invest in bonds, money market instruments, real estate and equities. It is a sub-fund of the SICAV ING (B) Collect Portfolio. This underlying investment fund invests in instruments that focus on both yield and growth potential. The underlying investment fund is actively managed on the basis of a targeted investment profile consisting of 50% fixed income securities and 50% equities. The proportion of equity funds may reach a maximum of 65% of the fund’s assets. The fixed income component invests a maximum of 20% of the sub-fund’s assets in liquid assets (cash).
The underlying investment fund applies an investment approach that considers ESG factors in the portfolio selection and management (Article 8 SFDR).
This insurance linked to investment funds is aimed particularly at investors with a balanced risk profile. Before investing in this product, we recommend that you ensure that you fully understand the characteristics of this product and, most importantly, the risks it entails.
"}},{"componentType":"paragraph","title":"NN Life Invest Dynamic Fund","richBody":{"value":"The insurer invests the capital in the insurance fund NN Life Invest Dynamic Fund (ISIN code: BE6313707745) which, in turn, invests in the investment fund ING Personal Portfolio Dynamic (ISIN code: BE6350122170).
This underlying investment fund is a fund of funds and invests primarily in shares of collective investment instruments, specifically in UCIs that invest in bonds, money market instruments, real estate and equities. It is a sub-fund of the SICAV ING (B) Collect Portfolio. This underlying investment fund invests in instruments that focus on both yield and growth potential. The underlying investment fund is actively managed on the basis of a targeted investment profile consisting of 90% equities and 10% fixed income securities. The proportion of equity funds may reach a maximum of 100% of the underlying investment fund’s assets.
The underlying investment fund applies an investment approach that considers ESG factors in the portfolio selection and management (Article 8 SFDR).
This insurance linked to investment funds is aimed particularly at investors with a dynamic risk profile. Before investing in this product, we recommend that you ensure that you fully understand the characteristics of this product and, most importantly, the risks it entails.
"}},{"componentType":"sectionTitle","title":"What return will I get from ING Life Invest?"},{"componentType":"paragraph","richBody":{"value":"The evolution of the capital invested depends on that of the fund NN Life Invest Moderated/Balanced/Dynamic Fund. The fund does not offer any capital guarantee or guaranteed return.
The value of the reserve (the capital invested) depends directly on the value of the underlying fund. The net asset value of the fund can be found at www.nn.be.
"}},{"componentType":"sectionTitle","title":"What are the main risks associated with this product?"},{"componentType":"paragraph","title":"Insolvency risk","richBody":{"value":"Life insurance contracts constitute a form of special wealth managed separately within the insurer’s assets. If the insurer is declared bankrupt, this wealth is ringfenced as a priority for meeting commitments towards policyholders and/or beneficiaries. In the event of non-payment or bankruptcy on the part of NN Insurance Belgium SA/nv, there can be no certainty that the total policy reserve will be recovered. ING Life Invest does not benefit from protection under the “Protection Fund for Financial Products” (Fonds de garantie pour les produits financiers).
"}},{"componentType":"paragraph","title":"Market risk","richBody":{"value":"Risk that the entire market of a class of asset falls, causing an influence on the price and value of the asset in portfolio. Financial instruments are affected due to many factors. These include, but are not limited to, the development of the financial market, the economic development of the issuers of the financial instruments, which in turn are affected by the overall world economy and the political and economic factors in each country.
"}},{"componentType":"paragraph","title":"Credit risk","richBody":{"value":"Risk of default by an issuer or counterparty. The expected credit risk, the risk of failure of the counterparty, of the underlying investments is medium.
"}},{"componentType":"paragraph","title":"Exchange rate risk","richBody":{"value":"Risk that the value of an investment will be affected by exchange rate fluctuations. The exchange rate risk is considered to be medium.
"}},{"componentType":"paragraph","title":"Capital risk","richBody":{"value":"The risk of capital loss.
"}},{"componentType":"paragraph","title":"Return risk","richBody":{"value":"Risk on returns.
"}},{"componentType":"paragraph","title":"Liquidity risk","richBody":{"value":"It refers to the risk that a position cannot be sold promptly at a reasonable price. Liquidity risks arise when an underlying investment is difficult to sell, making it challenging to repay your investment in the compartment. The repayment of your original investment is not guaranteed.
"}},{"componentType":"paragraph","title":"Inflation risk","richBody":{"value":"Risk dependent on inflation. These risks are borne by the policyholder, and mean that the capital is not guaranteed.
"}},{"componentType":"sectionTitle","title":"What fees are related to the life insurance product?"},{"componentType":"paragraph","richBody":{"value":"On each premium paid (min. €50 taxes and fees included), the fees are:
The reserve paid out to the beneficiary or beneficiaries is subject to inheritance tax in accordance with the legislation.
Please note that these tax arrangements apply to private investors in Belgium and are always subject to changes in the future.
"}},{"componentType":"sectionTitle","title":"How do you keep track of a policy?"},{"componentType":"paragraph","richBody":{"value":"You can keep track of your policy via ING Home’Bank or in branch.
Each year, NN Insurance Belgium SA/NV sends the policyholder an annual statement mentioning the value of the policy as at 31 December of the previous year.
"}},{"componentType":"sectionTitle","title":"Who is NN Insurance Belgium SA/NV?"},{"componentType":"paragraph","richBody":{"value":"NN Insurance Belgium (formerly ING Life Belgium) is an insurance company within the NN Group, with a long history in Belgium. The NN Group is an insurance and investment management company that is listed on the stock exchange and has a strong European focus. Present in 18 countries, and with a total of around 12,000 employees, the group provides services relating to pensions, insurance, investments and also banking services (only in the Netherlands) to over 15 million customers.
"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Not entirely satisfied with the distribution of this product?
Our Complaints Department and Ombudsman are there to help you.
Do you have any comments or complaints about your ING Life Invest?
Contact NN online: complaints@nn.be
"}},{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"ING Life Invest is offered and proposed to you (subject to acceptance by the insurer and mutual agreement) by:
Insurer:
NN Insurance Belgium SA/NV, mortgage lender licensed by the FSMA and insurance company licensed by the NBB under number 2550 for Branches 1a, 2, 21, 22, 23, 25, 26. Registered office: Avenue Fonsny 38, B-1060 Brussels – Brussels Trade Register – VAT BE 0890 270 057 – BIC: BBRUBEBB – IBAN: BE28 3100 7627 4220.
Insurance intermediary:
ING Belgium SA/NV, an insurance broker registered with the FSMA under code number 12381A. Registered office: Avenue Marnix 24, B-1000 Brussels – Brussels Trade Register – VAT BE 0403 200 393 – www.ing.be – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.
"}},{"componentType":"sectionTitle","title":"How do I apply for an investment insurance?"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"In a a branch","body":"In one of your choosing and at a time that suits you!"}]}},{"componentType":"cta","textLink":{"url":"/en/individuals/services/branches","text":"Make an appointment"}},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Didn't find what you were looking for?","intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","image":{"transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080,"original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Find a branch","image":{"transformBaseUrl":"https://assets.ing.com/transform/dab6ec23-57b0-42e8-bfe1-042f611ed4c6/Location-Location_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/376d26620acc843/original/Location-Location_Outline.svg","extension":"svg"},"link":{"url":"/en/individuals/services/branches"}}]},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contact us"}]}]}}}