Optional risk guarantees within your NN Strategy contract

Optional guarantees in the event of death:

If you were to pass away prematurely, the net capital saved would be paid out to your NN Strategy beneficiaries.
You can opt for the following additional guarantees, depending on your situation.

Minimum lump sum death benefit

You want to make sure that a minimum amount is paid out to your beneficiaries so that certain needs will definitely be financed.

• payment of a pre-determined fixed minimum capital, provided that this is greater than the accrued reserve
• minimum insured capital €5,000
• maximum insured capital €2,000,000
• option: indexation of 1 to 5% per year to maintain your protection
• option: you can take out this guarantee for a limited, defined period

Example: your children complete their studies over the course of 10 years. During that period, you insure yourself with a fixed minimum capital of 30,000 euros. Because you don't want the insured capital to be negatively affected by inflation, you opt for an annual indexation of 3%.

Minimum capital of 130% of the deposits

You want to create an additional financial safety net for your next of kin, which should be in proportion to your savings efforts.

• payment of a lump sum equivalent to 130% of the transferred premiums
• only possible in non-tax-beneficial contracts
• no withholding tax payable on withdrawal after 8 years and 1 day (for non-tax-beneficial contracts)³

Additional capital

You want to make sure that your loved ones receive a fixed amount on top of the sum from your saved premiums.

• payment of a pre-determined amount on top of the accrued sum (reserve)
• minimum insured capital €5,000
• maximum insured capital €2,000,000

Optional guarantee in the event of accidental death

Supplementary capital:

• only possible in combination with the optional guarantee providing minimum capital on death or additional capital
• a pre-determined amount is paid out on top of the basic capital. Here, "basic capital" refers to your insured minimum capital, or your reserve + the insured additional capital.
• minimum insured capital €25,000
• maximum insured capital €2,000,000

Optional guarantees in the event of disability:

The arrangements below come into effect after a waiting period, which is specified in your contract. The waiting period runs from the moment you make your claim until the moment when you receive your payment.

Premium waiver in the case of disability due to an accident or illness:

NN covers the premiums in the event of your invalidity (provided that a minimum level of incapacity is met). Your capital accumulation is maintained and your guarantees continue to apply.

Disability pension:

• NN pays an annuity in the event of disability (provided a minimum level of invalidity is met)
• indexation of the annuity (before making a claim)

The optional guarantees under NN Strategy are only available if you pay periodic premiums and are subject to medical acceptance.

Talk to your broker to find out what formula would be most appropriate for you and your situation.

You can find a full explanation of our segmentation policy here