Later is now
Whether you dream of travelling, a quiet garden, or just a bit more freedom: extra savings insurance will help you make those dreams come true. What you set aside today will help build a comfortable life later.
Branch 21 savings insurance
What is Tak21 savings insurance?
Meet our Tak21 savings insurance policies, aimed at savers who want to invest their money in a safe way. The net premium is invested in a fund with a guaranteed return, possibly increased by an annual profit share, with the aim of achieving an attractive return.
Why do I need savings insurance?
Grow your savings with certainty
Savings insurance combines the benefits of saving with the security of capital guarantee and a guaranteed interest rate.
Your capital grows steadily without taking risks, giving you long-term financial stability.
Flexible savings, at your pace
You retain control: your capital remains available according to pre-agreed terms.
Moreover, you can plan periodic distributions, ideal for supplementing your pension with a fixed extra, for example.
Think ahead: also for later and your heirs
Savings insurance is not only a smart choice for yourself, but also a powerful wealth transfer tool. And the best part?
At the end of the contract, you pay no withholding tax - so your savings come into their own.
What is insured?
The one-off net premium paid enjoys a guaranteed interest rate for at least eight years.
If the contract were to continue thereafter, the interest rate applicable at that time would be applied to the amount saved, until the end date of the contract.
On top of the guaranteed interest rate, you can receive any profit share that further improves the return on your investment. The allocation of profit sharing depends on the performance of the fund in which the capital is invested.
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
What are the costs involved?
These depend on the company and the solution chosen. You can count on us to keep costs as low as possible and go over this together before the agreement start date.
Is my capital protected?
Your money is carefully managed. For every amount deposited in a Branch 21 product, an insurance company must have sufficient liquidity to meet its commitments. In addition, the insurance company provides capital guarantee and you benefit from an additional guarantee as the capital is protected by the Guarantee Fund. Even if the company were to default, the Guarantee Fund pays up to €100,000 per policyholder and per insurance company.
Can I get my money at any time?
Your capital remains available according to the terms of the contract. However, exit fees and withholding tax may be payable. Depending on when you redeem the contract.
Is there a minimum deposit required?
Depending on the product you subscribe to, the minimum deposit is determined. In some cases, free deposits or regular deposits are still possible.
Are the proceeds taxed?
You pay 2% premium tax on the deposited amounts. No withholding tax is payable if you hold the contract for at least 8 years + 1 day or you include death cover of 130% in the contract.
Other solutions for optimal coverage
Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.