Protect your family financially with life insurance
Death cover
What is it?
Have you considered the financial consequences of your death for your family?
Can they continue to cover their fixed costs? Will there still be room for hobbies, travel or simply their familiar lifestyle? And what about inheritance tax and other unexpected expenses?
The loss of a parent or partner is difficult enough — don't let it be compounded by financial hardship on top of your grief.
Why choose VAPW?
Your legacy, without any financial surprises
Protect your family from the initial financial blow after your death. You can safeguard the financial future of your family members, relieve your immediate family of inheritance tax or offer protection in the event of an unregistered gift.
You choose
You decide how much capital you wish to insure, the duration of the contract, the premium payment you wish to make and who the beneficiary or beneficiaries are.
Flexible use of the distributed capital
The amount paid out can be used for whatever your beneficiaries need most: education for children, care for those in need, or extra help at home.
What is insured?
If the insured person dies before the end date of the contract, a predetermined capital sum will be paid out to the beneficiaries. This enables the beneficiaries to cover short- or long-term costs, pay inheritance tax in full or in part, maintain their standard of living, and so on.
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 must beneficiaries use the capital for?
As soon as the beneficiaries receive the death benefit, they can decide for themselves what to use it for.
Do I have to pay inheritance tax on the death benefit?
Yes, you are required to pay inheritance tax on this. The capital falls under movable assets. Inheritance tax can be avoided through an ABA construction.
How long am I covered by life insurance?
The term of a life insurance policy can vary. You can opt for temporary insurance or insurance without an expiry date, depending on your wishes and needs.
How much does life insurance cost?
The premium for life insurance depends on various factors, such as your age, health, the sum insured and the term of the insurance.
Can this cover be taken out in the name of a company?
Yes. If death cover is taken out by a company, corporation tax must be taken into account. This means that a higher amount of capital must be insured in order to achieve a similar net capital as a private saver.
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