Ready for a solution with a tax advantage combined with potentially higher returns? Discover ING Life Invest Long Term Savings!
"}},{"componentType":"sectionTitle","title":"Characteristics ING Life Invest Long Term Savings"},{"componentType":"paragraph","richBody":{"value":"(1)The maximum amount you can save per year depends on the amount of your taxable professional income. The maximum amount of savings is EUR 2,450 per year, which is an annually indexed legal ceiling (EUR 2,450 for the 2026 income year). 30% of 2,450 EUR = 735 EUR
"}},{"componentType":"sectionTitle","title":"Please read before you start saving"},{"componentType":"paragraph","richBody":{"value":"These documents are also available free of charge at your ING branch and on www.ing.be in 3 languages English, French and Dutch.
"}},{"componentType":"sectionTitle","title":"What are the fees associated with ING Life Invest Long Term Savings?"},{"componentType":"paragraph","richBody":{"value":"*: For more information: Please consult the FAQ on tax rules.
More info on costs can be found in the management regulations and the financial info sheet.
"}},{"componentType":"sectionTitle","title":"Estimate your tax benefit"},{"componentType":"feature","featureName":"tax-simulator-long-term-savings"},{"componentType":"sectionTitle","title":"Investment policy: Nice balance between risk and return"},{"componentType":"paragraph","richBody":{"value":"Investing in a branch 23 life insurance policy is different from investing in an investment fund. You do not invest directly in the fund, the insurer does that for you.
Your paid premiums will be invested in the NN Life Invest Long Term Savings Fund (ISIN code: BE6353125139), which in turn invests in the ING Sustainable Balanced investment fund (ISIN code: LU2899759422). The standard active allocation is 50% in fixed income(bonds)/money market instruments and 50% in equities from all sectors.
The aim of this savings insurance is to grow with our investment fund to a potentially higher return (than traditional savings products) in order to build up a pension capital within the tax system of long-term savings.
The return depends on the performance of the investment fund. Be aware that your capital can go up, but it can also go down. Long-term savings has a broad investment horizon, which allows you to spread your deposits, and therefore the risk.
"}},{"comparisonCardList":[{"image":{"extension":"png","original":"https://assets.ing.com/m/4cc6a8ab1c1008b9/original/Checklist_orange.png","transformBaseUrl":"https://assets.ing.com/transform/e5f9acd9-6b76-4ee4-8362-8686f8c313e2/Checklist_orange","type":"image","width":267},"title":"Possible risks","usps":[{"body":"Capital risk","iconType":"check-mark"},{"body":"Market risk","iconType":"check-mark"},{"body":"Credit risk","iconType":"check-mark"},{"body":"Foreign exchange risk","iconType":"check-mark"},{"body":"Solvency","iconType":"check-mark"},{"body":"Bankruptcy risk","iconType":"check-mark"},{"body":"ESG-RISK","iconType":"check-mark"}]},{"image":{"extension":"svg","original":"https://assets.ing.com/m/22933f8173f0a2fb/original/bull-market-icon.svg","transformBaseUrl":"https://assets.ing.com/transform/e4a9598b-8eeb-49a2-b7ff-53ba89aac08b/bull-market-icon","type":"image","width":160},"title":"Our strategy","usps":[{"body":"Fund seeks balance between stability and growth","iconType":"check-mark"},{"body":"Global diversification","iconType":"check-mark"},{"body":"Active management by our specialists","iconType":"check-mark"},{"body":"Risk class 3 (on a scale of 1 low and 7 high risk)","iconType":"check-mark"},{"body":"Focus on responsible investment with ING Life Invest Long Term Savings","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Possible risks,Our strategy"},{"componentType":"paragraph","richBody":{"value":"More information can be found in the management rules and the prospectus. The inventory value of the investment fund can be found at www.nn.be : | NN Belgium – Verzekeringen (only available in Dutch and French)
Further info on our investment solutions without tax advantages can be found in our offer or our tips and tricks.
"}},{"componentType":"sectionTitle","title":"How much is your tax reduction?"},{"componentType":"paragraph","richBody":{"value":"
Your tax benefit 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 advise you to consult a tax advisor, or the tax authorities.
Don't you have a home loan? Do not hesitate to calculate your tax reduction!
When applying for your contract, you will be asked to fill in this information so that we can make an estimate of your benefit!
"}},{"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 Long Term Savings Plan?
Contact NN online: complaints@nn.be
"}},{"componentType":"sectionTitle","title":"I’m interested! How can I start long term saving?"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"By using itsme® or your debit card and card reader","title":"Log in"},{"title":"Proposal and info about Branch 23"},{"title":"Calculate your tax reduction"},{"body":"Set your monthly or yearly amount","title":"Select your preferences"},{"body":"Verify your summary and sign","title":"Finalise your contract"}]}},{"componentType":"cta","textLink":{"text":"Start saving now","url":"https://ebanking.ing.be/banking/mobile/life-invest-long-term-savings?EW=true"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"New to ING? Choose your banking pack and become a customer in just a few steps:
Afterwards, you can start long term saving!
"},"title":"I'm not an ING customer yet. Can I open this product?"},{"richBody":{"value":"Important documents:
These documents are available free of charge at your ING branch and on ing.be in English, French and Dutch.
"},"title":"Which documents should I consult?"},{"richBody":{"value":"There are several risks associated with this solution. You can find detailed information in the prospectus of the investment fund (NN Belgium – Insurance )
Attention! A branch 23 solution, such as ING Life Invest Long Term Savings, is not guaranteed by the Belgian State in the event of the insurer's bankruptcy.
"},"title":"What are the main risks?"},{"richBody":{"value":"ING Life Invest Long Term Savings may entitle you to a tax reduction in the context of long-term savings.
These tax regulations may apply to tax residents of Belgium that are subject to the personal income tax (or a resident of a member state of the European Economic Area, who are taxed in Belgium so to be able to make use of this tax benefit), if the legal requirements are fulfilled. Tax regulations may change in the future.
The tax treatment depends on the individual situation of each taxpayer, including the availability of sufficient taxable income to obtain a tax reduction.
Capital repayments on mortgage loans (contracted until 2023), linked outstanding balance insurance premiums and other individual life insurance premiums may also be eligible for the tax relief in the same fiscal basket of long-term savings.
As a result, the maximum amount that can be included in the tax return may have already been reached and no tax reduction can be obtained for payments into ING Life Invest Long Term Savings.
Tax advantages linked to mortgages loans (and outstanding balance insurances) for the own home (contracted until 2015 for Flanders and Wallonia and until 2016 for Brussels) can also limit this fiscal basket.
For more information about your current tax situation, please contact a tax advisor or a tax authority of the Federal Government.
Based on current tax legislation, the following general rules apply:
1. With regard to 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.
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.
In the event of death, inheritance tax may be due.
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":"What tax rules apply?"},{"richBody":{"value":"You can choose how much and when you deposit in 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":"What if I increase my premium payment?"},{"richBody":{"value":"More information can be found in the management regulations.
"},"title":"What is the investment policy?"},{"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.d
"},"title":"Who is the beneficiary in case of death?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and contacts"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/fbb2e82471941e9/original/Functionalities-Lock_Open_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/49c09fc3-1586-4256-8897-d4377eedffbf/Functionalities-Lock_Open_Outline","type":"image","width":32},"intro":"Open your savings plan via Home'Bank today!","link":{"url":"https://ebanking.ing.be/hb/HB_Request?directUC=MANSETT&standalone=true&changeLang=EN"},"title":"Already have Home’Bank?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextEN":"Private-Banking-Agreement","extension":"png","original":"https://assets.ing.com/m/1cf4359034854615/original/agreement_197x176.png","transformBaseUrl":"https://assets.ing.com/transform/b0cc27cf-e1cb-40a7-b774-db239371dc59/agreement_197x176","type":"image","width":197},"intro":"Check out the answers to our frequently asked questions!","link":{"url":"/en/individuals/pension/frequently-asked-questions--ing-life-invest-long-term-savings"},"title":"Still questions about ING Life Invest Long Term Savings?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/7fbd9743a058f0fd/original/womanhappythumbsupnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/1f175999-58c1-482a-95a0-860264ee0ffd/womanhappythumbsupnopadding","type":"image","width":0},"intro":"Need to do a change to your ING Life Invest Long Term savings insurance policy? Find an overview here!","link":{"url":"/en/individuals/pension/manage-ing-life-invest-long-term_savings"},"title":"Manage your ING Life Invest Long Term Savings insurance"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/64e7de9902ea6b98/original/Question-mark_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/037f25e3-307b-4eae-98fe-d1e10c72842f/Question-mark_Outline_RGB","type":"image","width":267},"intro":"All infos about NN group.","link":{"url":"/en/individuals/insurance/info-about-nn-group"},"title":"Who is NN group ?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/376d26620acc843/original/Location-Location_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/dab6ec23-57b0-42e8-bfe1-042f611ed4c6/Location-Location_Outline","type":"image","width":32},"link":{"url":"/en/individuals/services/branches"},"title":"Find a branch"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080},"intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"},"title":"Didn't find what you were looking for?"}],"componentType":"cards"}]},"hasMacro":false,"id":"80bc5809-90f9-4603-881a-2dfb686ac9d3","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"The tax benefit depends on your personal financial and tax situation, as well as on the amount of your taxable income. A benefit from the same long‑term savings tax basket linked to a mortgage loan for a residential property may also reduce or annul the amount of your tax benefit.
ING Life Invest Long Term Savings is sold and offered 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 the number 2550 for the Branches 1a, 2, 21, 22, 23, 25, 26. Registered office : Avenue Fonsny 38, B-1060 Brussels - RLP Brussels - VAT BE 0890.270.057 - BIC: BBRUBEBB - IBAN: BE28 3100 7627 4220.
Insurance intermediary: ING Belgium SA/NV - Bank - Avenue Marnix/Marnixlaan 24, B-1000 Brussels - RPM/RPR Brussels - VAT: BE 0403.200.393 - BIC (SWIFT): BBRUBEBB - Account: 310-9156027-89 - IBAN: BE45 3109 1560 2789 – www.ing.be. Insurance broker registered with the FSMA under code number 0403.200.393.
ING Belgium SA/nv (article 107 Section 3 of the Special Regulations for Trading Financial Instruments and Insurance-linked Savings and Investment of ING, abbreviated to RSOI) and NN Insurance Belgium SA/nv do not provide any insurance distribution services for Insurance-linked Savings and Investment to US Persons.
The general terms and conditions are available at ing.be .
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Pension","url":"/en/individuals/pension"}},"componentType":"productHeader","coreHeader":{"body":"Looking forward to your retirement with peace of mind? \r\nThen you are in the right place with our life insurance contract branch 23 for long-term savings.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/4d613b2fe735595b/original/Rear-view-of-shirtless-men-on-beach-against-sky.jpg","transformBaseUrl":"https://assets.ing.com/transform/a65a50ec-4b5d-473d-9043-17da76258764/Rear-view-of-shirtless-men-on-beach-against-sky","type":"image","width":7301},"subtitle":"ING Life Invest Long Term Savings is a Branch 23 life insurance policy developed by our partner NN Insurance Belgium nv under Belgian law.","title":"ING Life Invest Long Term Savings"},"cta":{"componentType":"cta","textLink":{"text":"Start saving now","url":"https://ebanking.ing.be/banking/mobile/life-invest-long-term-savings?EW=true"}},"secondaryCta":{"textLink":{"text":"Estimate your tax benefit","url":"/en/individuals/pension/life-invest-long-term-savings#estimate-your-tax-benefit"}},"usps":[{"body":"Tax advantage up to 30% or up to EUR 735 (1)","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42fcca9fe6f6df09/original/refund_euro_outline_rgb.png","transformBaseUrl":"https://assets.ing.com/transform/292cbd66-57d9-44de-891d-43a59937d617/refund_euro_outline_rgb","type":"image","width":267}},{"body":"Potentially high long-term returns","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/1cd390e216b9f46d/original/Arrows-Graph_Up_Down_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/b485537a-ff5f-4785-bf14-9c82b45a63c8/Arrows-Graph_Up_Down_Outline","type":"image","width":32}},{"body":"A nice addition to your state pension","icon":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"png","original":"https://assets.ing.com/m/63bd56bd3162968/original/Half-star_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/9175d626-6db0-4a8e-a7a2-ee7ce1aec304/Half-star_Outline_RGB","type":"image","width":267}}]},"publishDate":"2026-04-15T22:58:03.923+02:00"}}