Grow your capital over the long term with the unique tax benefits of insurance investment products
Investing directly in equities or funds exposes your returns to Belgian withholding tax and offers little estate planning flexibility. Insurance investment products (Branch 21 & 23) combine performance, advantageous taxation and optimised wealth transfer.
Returns and capital gains generated within a Branch 23 contract are generally not subject to the Belgian 30% withholding tax. A major advantage over direct fund investment.
Freely designate one or more beneficiaries. Upon death, the capital is paid directly to them, outside the estate, under the specific tax rules for life insurance. Integrated estate planning.
Single or regular contributions, partial surrenders possible, fund switching without tax costs. The contract adapts to your investment horizon and the evolution of your financial situation.
Capital invested in a life insurance contract benefits from enhanced protection against creditors. An additional safeguard appreciated by business owners with professional exposure.
Branch 21 is a life insurance product with a guaranteed interest rate, complemented by a non-guaranteed annual profit share. Ideal for investors wishing to preserve their capital while benefiting from a stable and predictable return.
The minimum interest rate is contractually guaranteed by the insurance company. Your capital cannot decrease. A profit share may be added each year based on the insurer's results.
If the contract remains in force for at least 8 years and 1 day and the death cover is at least 130% of the premium, the interest is exempt from withholding tax on exit. A significant tax advantage over the long term.
Unlike a classic term deposit, a partial surrender is possible at any time (with a possible surrender penalty depending on contract conditions). Liquidity preserved when needed.
Particularly suited to business owners wishing to build up a secure long-term savings plan, pass capital on to their loved ones, or prepare for retirement without market risk.
Branch 23 is a life insurance contract linked to investment funds. The return depends on the evolution of the financial markets: equities, bonds, real estate, mixed or sustainable funds (ESG). No capital guarantee, but higher return potential over the long term — and particularly advantageous taxation in Belgium.
Investment in government and corporate bonds. Limited volatility, regular return. Ideal for the defensive part of the portfolio or an investment horizon of 3 to 5 years.
Combination of equities and bonds according to a target allocation (e.g. 60/40). Good diversification, moderate risk. The choice of most investors with a 5 to 10-year horizon.
Exposure to global equity markets (Europe, US, emerging markets). High return potential over the long term. Suitable for investors accepting short-term volatility.
Funds selecting companies based on environmental, social and governance criteria. Responsible investing aligned with your values, without sacrificing performance.
You can change the allocation between funds at any time (switching) without triggering taxation. Reorient your portfolio based on market developments or your objectives without tax penalty — an advantage impossible with direct fund investment.
The difference in tax treatment between direct investment and investment via insurance is substantial in Belgium. Over a long-term horizon, the tax saving can represent several tens of thousands of euros.
A structured 4-step approach for an investment aligned with your objectives
Complete wealth review, identification of your objectives (retirement, succession, supplementary income), investment horizon and risk tolerance. Every strategy is built to measure.
Choice between Branch 21 and/or 23 according to your profile. For Branch 23, selection of funds from a wide range of managers (equities, bonds, mixed, ESG) with performance and cost analysis.
Contract subscription, beneficiary designation, first contribution. Regular monitoring of performance and allocation. Recommended switching based on market developments.
Annual portfolio review, adaptation to the evolution of your tax and financial situation. Coordination with your other assets (pension, property, stock options) for a coherent strategy.
experlife selects the best insurance investment solutions for you and builds an investment strategy tailored to your profile and objectives.
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