You can find more info at this ing.be page. Please also refer to the overview of following documents:
The minimum term of your ING Life Invest Long Term Savings is 10 years. Start is required before your 65th birthday and the end date is the policyholder's 75th birthday.
"},"title":"Until what age can you save with ING Life Invest Long Term Savings?"},{"richBody":{"value":"You can choose between annual or monthly deposits with a minimum of €50/month or €600/year. The maximum per year depends on the amount of your taxable professional income, with a maximum amount of €2.450 for this year (2026).
The tax benefit can amount up to 30% but depends on your financial situation (amount of your taxable income) as well as on your tax situation (amount of tax due and use of a mortgage loan in the same basket as long-term savings or limiting this basket).
In certain cases, you can benefit from the tax advantage for long-term savings, in combination with a mortgage loan (for your own home):
Do you live in (situation on 1 January following the income year):
Please note that the tax basket for long-term savings may include capital repayments of a mortgage loan for a home other than own (such as a second residence), taken out until 2023. This may limit the amount available for this tax benefit.
To be sure about your tax situation, we you can consult a tax advisor, or the tax authorities.
Don't you have a home loan? When applying for your contract, you will be asked to fill in this information so that we can make an estimate of your potential benefit!
"},"title":"How much can you save and what is the tax benefit?"},{"richBody":{"value":"Based on current tax law (2026), the following general rules apply:
1. Regarding premiums:
2. With regard to outpayments from the contract:
On the policyholder's 60th birthday or, if the policy is taken out from the age of 55, on the 10th anniversary of the policy, an anticipatory levy on long-term savings of 10% is deducted from the savings reserve of the contract. Any profit share acquired is tax-free.
This levy has a discharging character: on the final maturity date, the capital is exempt from tax.
Payments made after the application of the anticipatory levy may still be eligible for tax relief and will no longer be taxed on the maturity date.
The full overview of taxation can be found in the financial information sheet on life insurance: ING Life Invest Long Term Savings (PDF).
The tax treatment depends on the individual situation of each client and may change later.
"},"title":"When will you be taxed and how?"},{"richBody":{"value":"Yes you can! This way you can increase your retirement savings while potentially maximizing your tax benefits.
"},"title":"Can you combine long-term savings with pension savings?"},{"richBody":{"value":"You are the policyholder and the insured of the contract. The beneficiary who will receive the reserve of the contract in case of death, must be your legal spouse, your legally cohabiting partner, or a blood relative up to and including the 2nd degree. They may, however, pay inheritance tax on the capital distributed.
"},"title":"Who is the beneficiary in case of death death?"},{"richBody":{"value":"You cannot transfer a contract from another bank. However, you can always take out a new contract and stop your deposits in the other contract. This can be done immediately, but make sure that the premiums deposited do not exceed your personal tax maximum and the tax maximum of €2,450 (year 2026).
"},"title":"You already do long-term savings with another bank or insurer. Can you transfer this contract and sign a new contract with ING?"},{"richBody":{"value":"Currently, no transfer of the reserve of the contract is possible. You can, however, combine premium deposits from both contracts in one fiscal year. Be careful not to exceed your personal maximum! .
"},"title":"You already do long-term savings through an ING Life Pension Plan, branch 21. Can you transfer this contract to a new contract ING Life Invest Long Term Savings?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Consulting your ING Life Invest Long Term Savings life insurance policy"},{"accordionList":[{"richBody":{"value":"You can in your ING Banking app or Home'Bank. Click on your ING Life Invest Long Term Savings life insurance policy from your product overview. Here you can find the following data:
You can find the return/value of the insurance fund in your ING Banking app or Home'Bank after selecting your life insurance from your product overview.
You can also find the fund's return via NN Insurance's web page https://www.nn.be/nl/fondsdetail/nn/BE6353125139.FONDNL.EUR/LU2899759422.FONDNL.EUR
"},"title":"Where can you consult the returns?"},{"richBody":{"value":"More info on costs can be found in the management regulations and the Financial Info sheet Life Insurance.
"},"title":"What fees do you pay?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Manage and change your ING Life Invest Long Term Savings life insurance policy"},{"accordionList":[{"richBody":{"value":"
You can save either monthly or annually, considering a minimum of €50 per month or €600 per year. After making the first premium deposit, you create a standing payment order for this yourself via Home'Bank or the ING Banking app.
You can create the standing payment order via the 'Transfer ' button, select the desired account and set the beneficiary, amount, frequency and communication (policy number).
This is possible, taking into account the minimum of €50 and max of 2,450 (income year 2026).
To do this, do a transfer from your ING account to the beneficiary account number mentioned in the special conditions, namely BE65 3632 4635 6596 with the policy number as the structured communication.
Note that there are certain rules when you make this increase starting at age 55 or in the last 10 years of your contract:
Increase in premiums from the age of 55: In the event of an increase in the amount of the premium (excluding indexation) as from the age of 55, the tax legislation treats the contract as a contract subscribed as from the age of 55, with an anticipatory levy after 10 years (and not at the age of 60). The starting point of this period is then the date of the premium increase.
The tax legislation does not allow, for the purposes of the long-term savings scheme, to increase your annual premiums as from the age of 65, to extend the duration of the contract or to launch a new long-term savings contract as from this age.
"},"title":"Can you make an additional deposit and how?"},{"richBody":{"value":"Taking into account the minimum and maximum amounts, you can change your premium via your ING Banking app or Home'Bank by adjusting the amount of the standing order.
This is possible. To do this, remove your standing order through your ING Banking app or Home'Bank.
This is possible. To do this, delete your standing order via your ING Banking app or Home'Bank and set up a new one with as the principal the desired account of which you are also the holder.
Then create a new one via the "Transfer" button: here, select the desired account and reset the beneficiary, amount, frequency and communication (policy number).
"},"title":"Can you change the account number from which you make deposits?"},{"richBody":{"value":"Yes this is possible at any time during the term of the contract, unless the beneficiary has accepted the benefit at death. To do so, complete this document and deliver it to BE-savingsandcare@nn.be or by post to the address listed on the document. Regardless if you send the application by e-mail or post, you will receive a confirmation from NN Insurance Belgium SA.
"},"title":"Can you change the beneficiary at death?"},{"richBody":{"value":"You can remove your standing order (see you can stop deposits (temporarily)) or end the contract completely by buying it off completely.
During the legal reflection period of 30 days from the effective date of the contract, you may cancel the contract by completing this document and delivering it to the insurer by mail at CML-PAYMENTS-BRUXELLES@nn.be or by post at the address indicated on the document. You can find the effective date in the enclosure, sent by NN. The contract's reserve will be refunded, including entry fees and premium tax. It is possible that the reserve has increased or decreased in the meantime and so you will get back more or less. This depends on the performance of the fund.
To fully redeem the contract after the expiration of the period of legal reflection, complete this document and deliver it to the insurer by mail CML-PAYMENTS-BRUXELLES@nn.be or by post.at the address indicated on the document.
Regardless if you send the application by e-mail or post, you will receive a confirmation from NN Insurance Belgium SA.
Please note that tax consequences and surrender charges may apply in the case of a surrender. More information can be found in the financial information sheet on life insurance under the surrender and taxation section. See: https://assets.ing.com/m/7a347325c05f71fe/original/ING_Life_Invest_LTS_Financial_Info_EN.pdf
"},"title":"Can you stop the contract completely and take the reserve?"},{"richBody":{"value":"This is possible though there are minimal amounts. For example, the minimum redemption amount is €600 and the minimum reserve after withdrawal should be €1800. To request a partial surrender, complete this document and deliver it to the insurer via e-mail at CML-PAYMENTS-BRUXELLES@nn.be or by post to the address listed on the document. Regardless if you send the application by e-mail or post, you will receive a confirmation from NN Insurance Belgium SA. Please note that tax consequences and surrender charges may apply in the case of a surrender. More information can be found in the financial information sheet on life insurance under the surrender and taxation section. See: https://assets.ing.com/m/7a347325c05f71fe/original/ING_Life_Invest_LTS_Financial_Info_EN.pdf
"},"title":"Can you partially redeem the contract?"},{"richBody":{"value":"No this is not possible, The insurance fund aims at a diversified and responsible investment in a fund of funds with investments in stocks and bonds.
"},"title":"Can you change the underlying fund*?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"End of your ING Life Invest Long Term Savings life insurance policy"},{"accordionList":[{"richBody":{"value":"At the end date of the contract, you will receive a discharge document to be returned to the insurer along with a copy (recto/verso) of your identity card. On this basis, the insurer can proceed to pay the contract reserve.
"},"title":"What happens at contract end date?"},{"richBody":{"value":"Follow the steps listed on the page below to report the death. The insurer will contact the beneficiary for settlement after receiving the necessary documents.
Someone passes away, who to inform? - ING Belgium
"},"title":"What should you do in case of death?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"e0e0d48a-0dcb-4ef8-8a99-402575c3161d","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"
* Funds means an "undertaking for collective investment" (= UCI). UCI is a general term which refers to institutions that obtain their financial resources from the public and whose business consists in managing a portfolio of financial instruments. The term "funds" therefore includes both ICVC (variable capital) and ICFC (fixed capital) investment companies and mutual funds as well as their sub-funds.
** Home'Bank, Business'Bank and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, (anexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on +32 2 464 60 04.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Pension","url":"/en/individuals/pension"}},"componentType":"productHeader","coreHeader":{"body":"Here you'll find all the information you need to get the most out of your ING Life Invest Long Term Savings life insurance policy.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/655df411aa4421fd/original/portrait-of-young-man-using-laptop-while-sitting-in-park.jpg","transformBaseUrl":"https://assets.ing.com/transform/6f2548c0-1200-4a3d-baed-3b886a7ff900/portrait-of-young-man-using-laptop-while-sitting-in-park","type":"image","width":5700},"subtitle":"Here are our answers","title":"Questions about ING Life Invest Long Term Savings?"}},"publishDate":"2026-02-09T12:20:16.312+01:00"}}