A life insurance policy provides general financial protection for your survivors.
An inheritance tax insurance is specifically intended to finance the inheritance tax on your estate.
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Inheritance insurance
When you build up assets and want to pass them on to the next generation, you will sooner or later have to deal with inheritance tax. For your heirs, this tax can be substantial, especially when a significant part of your wealth is tied up in real estate or a business.
With inheritance tax insurance, you ensure that your heirs have sufficient financial means to pay the inheritance tax. This prevents them from having to sell assets in order to meet the inheritance tax obligations.
What is an inheritance insurance?
An inheritance tax insurance is a life insurance policy designed to finance inheritance tax (succession duties) when you pass away.
Upon your death, the beneficiaries of the policy receive a lump sum that can be used to pay the inheritance tax on your estate. This way, your heirs can keep the inherited assets without financial pressure.
This type of insurance is often used as part of wealth planning, for example when you want to pass on real estate, investments, or a family business to your children.
The insured amount is usually tailored to the estimated inheritance tax that will be owed.
What are the benefits?
Covers the inheritance tax on your estate, so your heirs don’t have to pay large amounts at once.
It covers the preservation of real estate or family wealth, without heirs having to sell assets.
Provides financial peace of mind for your children or partner, as the taxes can be paid with the insured capital.
Covers efficient asset planning, tailored to your family and financial situation.
Who is this insurance for?
An inheritance insurance policy is especially interesting for people who want to pass on wealth to the next generation.
This insurance can be relevant for:
- Families with real estate or multiple properties
- Individuals with significant assets
- Parents who want to financially protect their children in case of inheritance
- Entrepreneurs who want to pass on a family business
Even if a large part of your wealth is tied up in real estate, an inheritance insurance policy can be useful. Your heirs will then have immediate liquidity to pay the inheritance tax.
What is covered and what is not?
What is covered?
- Payment of the insured capital in the event of death
- Financial resources to help beneficiaries pay inheritance tax
- Flexibility in the designation of beneficiaries
What is not covered?
- Death by suicide during the initial exclusion period of the policy
- Death resulting from intentional acts
- Situations that are explicitly excluded under the policy
How much does this insurance cost?
The premium of an inheritance insurance depends on several factors, including:
- Your age at the time of taking out the insurance
- Your state of health
- Your smoking habits
- The insured capital
- The chosen duration of the insurance
The insured amount is often calculated based on an estimate of the inheritance tax on your assets.
Because fiscal and family situations can vary greatly, a personal analysis is important. The advisers at Van Dessel will work with you to determine how inheritance insurance can fit into your asset and estate planning.
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Would you like to receive a quote?
Do you want to pass on your assets to the next generation in a thoughtful way?
The advisors at Van Dessel help you map out your estate and potential inheritance tax. Based on this, we look for an inheritance insurance policy that protects your heirs and fits within your financial planning.
This way, you ensure that the assets you have built up are maximally preserved for your family
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