NN Strategy Tax-Beneficial Long-Term Saving (Branch 23)

NN Strategy Fiscaal Langetermijnsparen

Did you know that you can also make long-term savings alongside your tax-beneficial pension savings? This option is well worth considering if you do not have a mortgage to pay, for example. You can save a considerable amount, all while benefiting from a tax advantage1 of 30%.

Is NN Strategy Tax-Beneficial Long-Term Saving right for you?

  • Are you aged between 18 and 64, and do you want to save for a supplementary pension as a private individual?
  • Do you have a professional income and do you pay personal income tax in Belgium?
  • Are you not making any capital repayments on a mortgage?
  • Are you interested in a tax advantage of 30%?
  • Are you looking for prospects with typically higher rewards in the long term?

If so, be sure to consider Tax-Beneficial Long-Term Saving. This can also be combined with Tax-Beneficial Pension Saving, as well as various other pension solutions for the self-employed.

What are the benefits and risks of NN Strategy Tax-Beneficial Long-Term Saving?

You can save while benefiting from a tax advantage

NN Strategy is an individual Branche 23 / Tak 232 life insurance contract designed for long-term savings. You also benefit from an annual tax advantage1 of 30%. Check the maximum amounts you can save tax-free here.

A Branche 23 / Tak 232 investment-linked insurance policy for typically higher rewards

The premiums are invested in our high-quality NN Life Patrimonial future fund2. In this way, you can aim for typically higher rewards in the long run2.

Is it risky to invest in Branche 23 / Tak 232?

Branche 23 / Tak 232 investment-linked insurance offers no guaranteed return or capital.
Your returns are determined by the performance of the investment fund within your contract, and the returns on that fund depend on fluctuations on the stock market.

If you want or are able to invest in investment funds for a short period then this will involve a financial risk, depending on the performance of the stock market. By regularly (periodically) saving money to your insurance plan, you can spread your investments over time.

Talk to your broker to find out your investor profile. This is essential for you to make sensible investments.


You don't need to make deposits every year, or to save the same amount every time. You can opt to make monthly, quarterly, six-monthly or annual deposits.

54: an age to remember!  

If you take out your contract before the age of 55, you will pay a one-off flat-rate withholding tax of 10% when you turn 60. That means you won't need to pay any other taxes on your premiums for the following 5 years, while continuing to benefit from a tax advantage.

Are you aged 54 and still haven't taken out a long-term savings insurance policy? If so, now is the time to talk to your financial adviser.

Premiums and taxes



Minimum: 40 euros per month
Maximum: set out in law; see here for the current maximum amounts for tax purposes

Availability of your savings

In principle, your savings remain available to you – but we recommend that you avoid withdrawing your money early, as the tax authorities apply high levies that will cost you a lot of money.


- you benefit from a tax advantage of 30% on your premiums provided that you meet the conditions set down in law. The tax regime applied to your contract depends on your tax situation. This can change over time.
- you do not pay any tax on premiums
- a one-off flat-rate withholding tax of 8% on the value of the contract, excluding any profit participation; payable either on your 60th birthday (if you sign the contract before the age of 55) or 10 years after the start of the contract. No further taxes will be applied after this levy


Entry fees: maximum 4.5%

You can find all the details on the financial information sheet

Annual management fees

You can find all the details on the financial information sheet

Exit fees

You can find all the details on the financial information sheet

Term of the contract

The term runs for at least 10 years, and is defined when your 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.

Precontractuele documenten van toepassing vóór 14 januari 2020 kan je terugvinden onder de legale documenten.

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 ci-dessus.

Les documents précontractuels applicables avant le 14 janvier 2020 se trouvent sous les documents légaux.

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

Exclusions and restrictions

You can find a full explanation of our segmentation policy here

For this product, the Branch 23 part is not suitable for US Persons. NN Belgium nv/SA does not act under the supervision of the American regulator SEC with regard to the Branch 23 part. Click here for more info.

Save for your pension with a tax advantage

Combine Long-Term Saving with Tax-Beneficial Pension Saving

A little extra for later in life?

Self-determined saving with high-quality Branche 23 / Tak 23 funds

Protection for your family

Death cover: effective protection, and less expensive than you might think

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


  1. A tax advantage may apply, provided you meet the legally established conditions. The tax regime applied to your contract depends on your tax situation. This can change over time.
  2. The management regulations of the NN Strategy Branche 23 / Tak 23 investment funds are available on the website www.deltalloydlife.be. Only the full text of these regulations is legally valid. The financial risk of Branche 23 / Tak 23 transactions is fully borne by the policyholder. You can also request a printed copy by writing to NN, Customer Service, Avenue Fonsnylaan 38, B-1060 Brussels.
  3. 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.
  4. 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.