A savings insurance policy usually offers a guaranteed return. With an investment insurance policy, your premium is invested in funds, causing the return to fluctuate.
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Investment insurance
Do you want to grow your capital while enjoying the structure and protection of insurance? With an investment-linked insurance policy, you combine investing with the benefits of a life insurance policy.
This solution gives you the opportunity to build capital over the long term, while benefiting from a flexible framework for wealth planning. Depending on your risk profile and objectives, you can choose from various investment strategies.
What is an investment insurance policy?
An investment insurance is a life insurance policy in which the premium is invested in financial funds or other investment products. The return on the insurance therefore depends on the performance of the selected investments.
Unlike traditional savings insurance, an investment insurance can offer a higher potential return, but this also comes with a certain level of risk.
Investment insurance policies are often used for wealth accumulation, financial planning, or estate planning. In addition, the policy can also include death coverage for the beneficiaries.
What are the benefits?
Covers the accumulation of capital through long-term investments.
Covers flexibility in investment choices according to your risk profile.
Covers options for wealth and estate planning.
Provides financial protection for beneficiaries through a death benefit.
Who is this insurance for?
An investment-linked insurance policy is suitable for individuals or entrepreneurs who want to grow their wealth over the long term.
This can be of interest to, among others:
- People looking for an investment solution within an insurance structure
- Savers who want higher returns than with traditional savings products
- Individuals who want to plan or transfer their wealth
- People with a long investment horizon
A thorough analysis of your financial situation and risk profile is essential to choose the right solution.
What is covered and what is not
What is covered?
- Build-up of capital through investment funds
- Payment of the accumulated capital at the policy's maturity date
- Death benefit for designated beneficiaries
- Flexible contributions and the ability to adjust investment allocations
What is not covered?
- A guaranteed return under certain investment arrangements
- Protection against market fluctuations
- Benefits that are not contractually included
How much does this insurance cost?
The premium of an investment insurance policy is flexible and can be structured in different ways.
Possible options are:
- A one-time payment
- Periodic payments
- A combination of both
The premium and the possible return depend, among other things, on:
- Your investment objectives
- Your risk profile
- The funds you choose
- The investment horizon
An advisor will help you determine a strategy that matches your financial situation.
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Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
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No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
Would you like to know if an investment-linked insurance policy fits within your financial planning?
The advisors at Van Dessel Insurance Brokers analyze your objectives, risk tolerance, and investment horizon. This way, you get a solution that aligns with your personal financial strategy.
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