Branch 21 focuses on capital protection and security. Branch 23 offers more investment opportunities and potential returns, but the capital depends on the performance of the underlying funds.
Solutions
Savings plan
Do you want to build wealth in a structured way, tailored to your risk profile? With a savings plan insurance, you save or invest a regular amount and gradually build up a financial buffer. This formula combines flexibility and discipline, offering a choice between security and returns. Van Dessel helps you develop a customized savings plan that perfectly matches your goals.
What is a savings plan insurance?
A savings plan insurance policy is a life insurance policy under which you pay in a fixed amount at regular intervals (for example, monthly) to build up capital.
You can choose between:
- Class 21: with a (limited) guaranteed return and greater security
- Class 23: linked to investment funds, offering greater potential for returns but also greater risk
Depending on your profile and objectives, you can opt for security, growth or a combination of both.
What are the benefits?
Enables a structured approach to building up wealth through regular contributions.
Covers the freedom to choose between security (Class 21) and return (Class 23).
Helps to spread risk by investing regularly.
Covers flexibility in terms of amount, duration and investment strategy.
Who is this insurance for?
A savings plan insurance is suitable for individuals who:
- Want to save or invest regularly
- Want to build a financial buffer or capital
- Want to choose between security and return
- Want to invest their savings spread over time
This formula is interesting for both cautious savers and more dynamic investors.>
What is covered and what is not?
What is covered?
- Accumulation of capital through regular contributions
- Choice between Class 21 (security) and Class 23 (investments)
- Option to spread investments across different funds (Class 23)
- Payment of the accumulated value
What is not covered?
- Guaranteed return under Branch 23
- Full capital protection for investment plans
- Unlimited flexibility at no extra cost
- Guaranteed profit-sharing or return
How much does this insurance cost?
The contributions to a savings plan are entirely flexible and tailored to your budget and objectives.
You decide the amount and frequency of your contributions. The final amount accumulated depends on:
- Your chosen plan (Branch 21, Branch 23 or a combination)
- The amount and frequency of your contributions
- The term of the plan
- Fees such as entry fees, management fees and any switching fees
We help you strike a balance between risk and return.
"Thank you for explaining it over the phone. Simply BRILLIANT!"
The L. family from Turnhout
Onze belofte aan u
Personal & committed
a tailor-made partner
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.
Expertise & experience
already 80 years in insurance
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.
Security & peace of mind
protection for today and tomorrow
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 a customized savings plan that suits your financial situation and future plans?
Our experts will guide you in making the right choices and ensure a clear and transparent approach. Request a proposal or advice with no obligation.
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