Pension savings and long-term savings are two separate tax systems. You can combine both to receive greater tax benefits.
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Long-term tax-advantaged savings
Would you like to build up extra capital with tax benefits, in addition to your pension savings? With a long-term tax-advantaged savings insurance, you save specifically for the future while enjoying an attractive tax reduction. Van Dessel helps you make the most of this formula, tailored to your personal situation and future plans.
What is a long-term tax-advantaged savings insurance?
Long-term tax-advantaged saving is a life insurance policy that allows you to build up additional capital in a tax-efficient way. You pay an annual premium, which entitles you to a tax benefit as part of your tax return.
The insurance runs until a predetermined end date, often linked to your retirement age. At that time, you receive the accumulated capital, possibly supplemented with a guaranteed return and profit sharing. Long-term tax-advantaged saving is a supplement to pension savings and is part of a broader tax strategy.
What are the benefits?
Provides an additional tax benefit on top of pension savings.
Covers the accumulation of supplementary capital in the long term.
Covers financial security through a possible guaranteed return.
Covers flexibility in premiums within the fiscal limits.
Who is this insurance for?
Long-term tax-advantaged saving is suitable for individuals who:
- Want to make the most of their tax benefits
- Already participate in pension savings and wish to save extra
- Want to build up a supplementary pension
- Want to structurally strengthen their financial future
This formula is especially interesting for those who pay enough taxes to make full use of the tax benefit.
What is covered and what is not?
What is covered?
- Accumulation of capital through your contributions
- Tax relief on the amounts paid in
- Potentially guaranteed return (for Class 21)
- Payment of the capital at maturity
What is not covered?
- Unlimited tax benefits (subject to statutory limits)
- Full capital guarantee for investment schemes
- Free early admissions
- Protection against changes to tax legislation
How much does this insurance cost?
The premium for long-term savings depends on your fiscal space and personal choices.
The maximum amount you can deposit is determined by your income and your mortgage situation. Important factors are:
- Your net taxable income
- Any outstanding mortgage loans (which take up fiscal space)
- The chosen plan (safe or investment-oriented)
- Your desired savings frequency
We analyze your situation and calculate exactly how much you can save for optimal tax benefits.
"Thank you very much for the clear information and the prompt follow-up!"
Family K. from Westerlo
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Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
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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.
Would you like to receive a quote?
Would you like to know how much tax benefit you can still take advantage of through long-term tax-advantaged savings?
Our experts will assess your personal situation and propose a tailor-made solution. This way, you get the most out of your savings.
Which insurances complete your package?
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