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INSURANCE

Guaranteed Income insurance from AG

IN PRACTICE

Protect your income

If you’re unable to work – because of a sports accident or serious illness for example – your income decreases, but your fixed costs and ongoing expenses stay the same. Guaranteed income insurance* protects you if an illness or accident prevents you from working.

YOUR BENEFITS

Tailored to your needs

Protect your business income as a self-employed individual, ensure your company's revenue or cover loan repayments: choose the formula and terms that best suit your situation and specific needs.

MORE INFORMATION

Request a quote

Would you like tailored advice to protect your income in the event that you’re unable to work? Contact your personal advisor or call the Easy Banking Centre on 02 433 43 34 to schedule a video call.

* Guaranteed income insurance is a Belgian-law income protection insurance policy from AG, distributed by BNP Paribas Fortis. The policy can be taken out up to a maximum age of 55 and the cover is valid for the policyholder up to the age of 65, unless otherwise stated in the special terms and conditions.

Protect your income

If you’re unable to work, you’ll also see a decrease in your company’s turnover or your professional income. And this can put the continuity of your business at risk. Guaranteed income insurance protects you against loss of income due to illness or accident. You receive a monthly payment that’s either fixed or index-linked and adjusted annually. This allows you to meet all your obligations as well as maintaining your standard of living and that of your family.

Personalised cover

Discover the many benefits of guaranteed income insurance for you and your business.

Tailored to your business

In the event of illness or accident, you can choose to cover:

  • the insured person's income
  • the company's revenue
  • loan repayments

A flexible formula

You choose:

  • une protection against either illness or illness and accident 
  • a waiting period of 30 to 90 days
  • a fixed or index-linked monthly payment (adjusted annually)
  • annual or monthly premiums

Customisable premiums

Your premium depends on the formula you choose and personal factors (age, type of activity etc.). Premiums are tax-deductible as business expenses subject to certain conditions.

Extended cover

As soon as the waiting period has expired, you receive payments for as long as you’re unable to work. This is regardless of whether your inability to work is short-term or permanent, or total or partial.

Compensation that adapts to your situation

You receive compensation if the degree to which you’re unable to work is at least 25%, and the higher the degree, the more you receive. If it’s 66% or more, you receive 100% of the insured income.

For healthcare professionals

Are you an accredited doctor, dentist, pharmacist, physiotherapist, speech therapist or independent nurse? You can use the financial support you receive from INAMI/RIZIV to buy guaranteed income insurance.

The scope of your cover

Main risks covered

  • loss or reduction of work income resulting from a recognised inability to work caused by illness or accident

  • loss or reduction of company revenue resulting from a recognised inability to work caused by an illness or accident affecting the manager who alone generates at least 95% of the company's revenue

  • inability to continue repaying an investment, property or consumer loan resulting from a recognised inability to work caused by illness or accident

Main exclusions

  • an inability to work to a degree of less than 25%

  • a physiological disability that does not prevent you from working 

  • other excluded risks, such as illness or injury caused by cosmetic surgery, alcoholism, attempted suicide or a pre-existing condition

Discover the complete list of all risks covered and exclusions

  • The exact scope of the cover can be found in the standard terms and conditions. Read the information document for details of the policy’s main characteristics. Both are available free of charge at your branch.

    To obtain a quote, you can contact your advisor or call the Easy Banking Centre on 02 433 43 34.

More information

Before signing your policy, read the following documents:

Any concerns?

If you have a complaint, you can contact us at BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, gestiondesplaintes@bnpparibasfortis.com or via/www.bnpparibasfortis.be > Suggestions or complaints > online complaints form.

If you’re not happy with the proposed solution, you can send your complaint by post to the Insurance Ombudsman, Square de Meeûs 35, 1000 Brussels, BCE: 884.072.054, tel: 02 547 58 71, info@ombudsman-insurance.be - www.ombudsman-insurance.be.

Report an inability to work

Do you want to report an inability to work? Do you have any questions about your policy or a current claim? Our team is here to help.

Contact us

 

Get a tailored proposal for your self-employed business or companyMake an appointment

Better protection for entrepreneurs

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  • Work Accident Plus package

    Additional protection in addition to the mandatory work accident insurance policy for your staff. For you, your associates and your business.

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Legal information

AG Insurance SA/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – http://www.aginsurance.be - info@aginsurance.be. Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, B-1000 Brussels.

Intermediary: BNP Paribas Fortis SA/nv – 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA, 12-14 Rue du Congrès, B-1000 Brussels, under code number 025879 and acting as a contractually appointed insurance agent on behalf of AG Insurance SA/nv. BNP Paribas Fortis SA/nv holds a stake of more than 10% in AG Insurance SA/nv.

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