NN Strategy Self-Determined Saving in Branche 21 / Tak 21 (non-tax-beneficial)

NN Strategy Vrij Sparen in Tak 21 (niet-fiscaal)

A Branche 21 / Tak 21 life insurance policy for building savings? No problem! You can use it to save at your own pace while benefiting from a capital guarantee. What's more, a life insurance policy offers options that are not provided by a standard savings account.

Is NN Strategy Self-Determined Saving in Branche 21 / Tak 21 right for you?

  • Do you have savings to spare and want to invest for the longer term?
  • Do you think security is more important than high returns?
  • Do you also want to put financial protection in place for yourself and your family?

If so, a non-tax-beneficial Branche 21 / Tak 21 investment-linked insurance policy may be a good solution for you.

Are you prepared to take on a little more risk in exchange for higher possible returns over the long term?
Then make sure you also take a look at NN Strategy Self-Determined Saving in Branche 23 / Tak 232, or the Branche 21 / Tak 21 and Branche 23 / Tak 232 Mix.

What are the benefits of NN Strategy Self-Determined Saving in Branche 21 / Tak 21?

Build savings with the flexibility of a life insurance policy

NN Strategy Branche 21 / Tak 21 is an individual Branche 21 / Tak 21 life insurance contract with no tax concessions in which your net deposits3 are guaranteed.In an NN Strategy Branche 21/ Tak 21 policy:

- you are free to choose the insured person and the beneficiary or beneficiaries
- you can take out supplementary guarantees
- you pay no withholding tax under certain conditions (see below)
- you can make regular transfers, starting from 40 euros per month
- you can also make a one-off deposit by investing a minimum sum of 2,500 euros. After that, you can then make additional deposits of at least 500 euros, whenever you wish.

A Branche 21 / Tak 21 savings-linked insurance policy for complete security

You benefit from the security of a guaranteed 0% interest rate1 on your net deposits3.
Choose between 2 funds, or opt for a combination of both:

  • NN Eternal
  • NN Eternal Alpha

How will a guaranteed 0% interest rate provide me with any return?

  • This interest rate primarily means that your net deposits3 are guaranteed.
  • Your effective return consists entirely of possible profit participation4. This is variable and is determined separately for each fund.

Dynamic investment of your profit participation4?

You can invest your profit participation2 in dynamic funds (Branche 23 / Tak 232) for typically higher rewards.

Each year, you benefit from a free switch between your funds.

Read all the details here: Options for NN Strategy funds

Talk to your broker to find out your investor profile and to determine which options are right for your investment and your profile. This is essential for you to make sensible investments.

Protection for you and your family with these extra optional forms of cover

Good financial planning also means arranging effective protection for yourself and your family. Here are a few examples of the optional risk guarantees that you can take out within your NN Strategy contract:

Optional coverage in the event of death:

  • a minimum death lump sum (fixed amount or diminishing over time)
  • an additional fixed amount on top of the payment from your savings reserve
  • an additional fixed amount for your loved ones should you die in an accident

Optional coverage in the event of disability:

  • payment of your premium by NN
  • a disability pension (replacement income) to protect your standard of living for both you and your family

Read more about the details of the protective guarantees within NN Strategy here.

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

Premiums and taxes



Periodic premiums: minimum 40 euros per month
Single premium: minimum 2,500 euros. After that, you can then make additional deposits of at least 500 euros, whenever you wish.

Availability of your savings

Your savings are available via both partial, periodic withdrawals and withdrawals at any time you like.


Taxes on premiums:

2% for natural persons
4.4% for legal entities

No withholding tax

after 8 years and 1 month
If you take out the optional death cover of 130% of your transferred premiums, provided that the policyholder, the insured person and the beneficiary in the event of life are the same person


Taxes on premiums:

2% for natural persons
4.4% for legal entities


Read all the details in the NN Strategy essential information document

Term of the contract

The term runs for at least 5 years, and is defined when the contract is taken out.


Before you sign your insurance policy, it is essential to look at the following information:

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

Goed geïnformeerd

Voor je deze verzekering onderschrijft, is het noodzakelijk om bovenstaande informatie door te nemen.

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

Saving as a self-employed professional?

The Individual Pension Agreement (IPT) lets you accrue tax-beneficial savings for a supplementary pension.

Tax-Beneficial Long-Term Saving

No mortgage to pay off? In that case, you can build savings with a tax advantage.

Looking to limit the financial impact of inheritance costs?

An inheritance insurance policy provides peace of mind.

Your unique life deserves a personal approach. That is why we are happy to help you find an independent broker in your area


  1. This interest rate is guaranteed for each deposit for the entire duration of the contract. The guaranteed interest rate for future deposits is the applicable interest rate at the time of the deposit.
  2. Branche 23 / Tak 23: In Branche 23 / Tak 23 investments, neither the capital nor the return are guaranteed. The risk is fully borne by the policyholder. Your return will depend on the evolution in the value of the underlyings. There is no entitlement to profit sharing.
  3. Profit share: the company may distribute and allocate a profit share each year at its sole discretion in accordance with the profit-sharing plan submitted to the Financial Services and Markets Authority (FSMA) and following the approval of the general shareholders' meeting. This variable profit share shall be based on the company's results and developments in the financial markets. Profit share allocation cannot be guaranteed for the future.
  4. Net deposits are the net invested deposits (premiums) after deduction of taxes, entry and management fees, premiums and taxes on any supplementary cover.
  5. 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.
  6. 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.