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INSURANCE

Premium Life Protection for entrepreneurs

IN PRACTICE

Protect your loved ones and your business

What if you were to die suddenly? You’re a key person for your family and your business, so it’s important to protect them both. You can count on Premium Life Protection insurance.

YOUR BENEFITS

Take the flexible approach

You can take out a long-term Premium Life Protection policy to provide cover in the event of your death for various loans, new or existing, personal or business, with no change in medical acceptance.

MORE INFORMATION

Make an appointment with your advisor

Need advice on life insurance? Contact your branch or advisor to make a video call appointment.

Cover starting from €500,000

Premium Life Protection insurance (branch 21) is a Belgian-law death benefit policy from AG, offered by BNP Paribas Fortis.

This insurance guarantees the payment of a lump sum in the event of the insured's death during an agreed period. You choose the amount of the cover you need, starting from €500,000. This amount remains fixed for the entire duration of the policy.

Life insurance for every purpose

Taking out life insurance means protecting what really matters to you: your loved ones and your business.

Protection for your family

Your business income determines your standard of living and that of your loved ones. With this insurance, you protect them against loss of income after your death.

Continuity of your business

Your death can have major consequences on the daily operation and continuity of your business. Think, for example, of the costs of temporarily recruiting new employees: death benefit cover can offer a solution to this.

Repayment of loans

Have you taken out a business loan to develop your business or a personal mortgage, for example? After your death, your business partners or loved ones will have to continue repaying these loans. This policy allows you to reduce the financial burden on them.

Tax benefits

The premiums on this policy may be tax-deductible as a form of business owner insurance. As the beneficiary, your company will receive the insured lump sum if you die before the end of the policy.

What your cover includes

Main risks covered

  • Payment of a minimum lump sum of €500,000 to the designated beneficiary if the insured dies before the end of the policy

Main exclusions

  • Death of the insured as a result of an intentional act or caused by the beneficiary of the insurance

  • Death as a result of suicide within one year of taking out the insurance

  • Death of the insured in Belgium in the context of a (civil) war

Discover the complete list of risks covered and exclusions

  • The above list of covered risks and exclusions is not exhaustive. The exact scope of the cover can be found in the Standard Terms and Conditions and in the pre-contractual information. To find out the main characteristics of this policy, you can consult the Information Document free of charge at the bottom of this page. For a tailored proposal, please contact your advisor in branch, or via PrivilegeConnect or your Private Banking Center.

Want to know more?

The following documents provide additional information on Premium Life Protection insurance

Any concerns?

Complaints can be made to BNP Paribas Fortis SA, Complaints Department JQABD, Montagne du Parc 3, 1000 Brussels, tel. 02 228 72 18, complaints.management@bnpparibasfortis.com or via www.bnpparibasfortis.be > suggestions or complaints > online 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.

Would you like to receive a proposal?Make an appointment

Supplement your cover

By taking out an insurance-based EIP company pension plan, disability insurance or a Premium Life Protection policy, every entrepreneur acting as a key person can get optimal coverage.

  • EIP company pension plan

    As a self-employed person who has set up a company, you can supplement your PLCI supplementary self-employed pension plan with an EIP company pension plan. Your company pays the premiums for you.

    Discover EIP

  • Inability to work cover

    Protect yourself, you and your family, against the financial consequences of being unable to work due to illness or accident. You can to receive a monthly income and/or the reimbursement of your pension insurance premiums.

    Find out more

Also of interest

  • Premium Life Protection

    This branch 21 death insurance lets you insure a capital exceeding €500,000, thus preserving your loved ones' standard of living. Protect your family, with complete peace of mind.

    Discover this insurance

  • Level-term death benefit cover for entrepreneurs

    Thanks to this branch 21 AG death insurance, you can protect the standard of living of your loved ones in the event of your death. It ensures the payment of a previously determined lump sum, which remains the same throughout the policy.

    Discover this insurance

Legal information

AG Insurance SA/nv (abbreviated to AG) – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – 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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