Optional risk guarantees within your NN Strategy contract

Optionele Risicowaarborgen binnen je NN Strategy contract

Have you opted for an NN Strategy solution such as tax-beneficial pension saving, tax-beneficial long-term saving or self-determined saving under Branche 21 / Tak 21 or Branche 23 / Tak 23?

If so, you can also access built-in financial protection as well as accruing capital. This allows you to protect your loved ones in the event of a long-term illness, accident or death.

Personalised peace of mind

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.


Before you sign your insurance policy, it is essential to read the information relating to your NN Strategy solution.

Any further questions? Your broker will be happy to advise you.

Goed geïnformeerd

Voor je deze verzekering onderschrijft, is het noodzakelijk om de informatie rond jouw NN Strategy oplossing te lezen.

Heb je nog vragen? Je makelaar geeft je graag advies.

Bien informé

Avant de contracter cette assurance, il est nécessaire de prendre connaissance des informations concernant votre solution NN Strategy.

Vous avez encore des questions ? Votre courtier se fera un plaisir de vous conseiller.

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  1. NN Strategy is a life insurance product that consists of investments with a return that is guaranteed by the insurance company (Branche 21 / Tak 21) and/or from investment funds (Branche 23 / Tak 23) without a guaranteed lump sum. For more information, read the Key Information Document for NN Strategy life insurance on www.nn.be. Applicable law: Belgian law Period: at least 5 years for the financial part and at least 10 years for supplementary cover. The contract has a maximum period of 120 years. Before subscribing to the NN Strategy product, customers are advised to read the documentation on this specific product (the Key Information Document and General Terms and Conditions available on the website www.nn.be) and to verify whether the product is in line with their knowledge and experience with regard to this type of financial product, their financial situation, their risk profile and their investment objectives.
  2. If you have any complaints about your NN contracts, please get in touch with:
    - NN, Quality Team, Avenue Fonsnylaan 38, B-1060 Brussels, klachten@nn.be in the first instance;
    - or with the Consumer Ombudsman Service at Ombudsman van de verzekeringen, Square de Meeûssquare 35, B-1000 Brussels, tel: +32 (0)2 547 58 71, fax: +32 (02) 547 59 75, info@ombudsman.as, www.ombudsman.as a last resort.
  3. If the policyholder, the insured person and the beneficiary are one and the same person, no withholding tax will be payable for the first 8 years.