It is an insurance policy that pays out a lump sum in the event of death, intended to cover inheritance tax.
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Inheritance insurance
Would you like to protect your loved ones from high inheritance taxes? With an inheritance insurance policy, you ensure that your heirs are not put under financial pressure in the event of a death. This insurance offers a smart solution to offset the impact of inheritance taxes, so your assets remain preserved within the family as much as possible. Van Dessel offers you personalized advice.
What is an inheritance insurance?
A succession insurance is a life insurance policy intended to finance inheritance tax upon death.
Upon death, the insurance pays out a lump sum to the beneficiaries, with which they can pay (part of) the owed inheritance tax. This way, they do not have to dip into savings or sell assets to cover the taxes.
This type of insurance is often part of a broader asset and estate planning strategy.
What are the benefits?
Covers the payment of inheritance tax without financial pressure for your heirs.
Covers the preservation of your assets within the family.
Enjoy peace of mind thanks to a pre-planned solution.
Covers flexibility in capital and beneficiaries.
Who is this insurance for?
An inheritance insurance is interesting for:
- People who have built up assets (real estate, investments, savings)
- Parents who want to protect their children financially
- Families who consider estate planning important
- Anyone who wants to avoid heirs having to sell assets
This insurance also offers significant added value in complex family situations or for larger estates.
What is covered and what is not?
What is covered?
- Payment of a lump sum upon death
- Free choice of beneficiaries
- Tailoring the lump sum to the expected inheritance tax liability
- Integration into broader estate planning
What is not covered?
- Full coverage of future tax changes
- Automatic adjustment to changing financial circumstances
- Avoiding inheritance tax itself (the tax remains in place)
- Coverage beyond the contractual terms
How much does this insurance cost?
The premium for an inheritance insurance depends on several factors:
- Your age and health
- Your smoking habits
- The insured capital (aligned with the expected inheritance tax
- The duration of the policy
- The chosen structure and beneficiary
An accurate estimate of the future inheritance tax is crucial. That is why we thoroughly analyze your assets and family situation.
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With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
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We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
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Do you want to optimally protect your estate and relieve your heirs of worries?
Our experts help you create a well-considered estate plan, including a tailored inheritance insurance policy.
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