Omni Care (Business Partners): financial protection for your business partners after you're gone

Omni Care Biz

As a business partner in your company, you understand the importance of stability and a shared vision. But what if one of your partners dies as a result of illness or an accident? In that case, their next of kin will inherit their share in the company, as well as the voting rights that goes with it. This is not always a desirable outcome; however, as business partners, it is possible to prepare for this, with due respect for all the parties involved.

Omni Care: is it right for you and your business partners?

  • Neither your death, nor the death of one of your business partners, should threaten the stability of your company.
  • You and your business partners would prefer to avoid arguments about share ownership.
  • You want to be prepared for the costs related to the appropriate compensation to the heirs.

Agree with all three of these statements? If so, Omni Care1 is the perfect death insurance policy for your needs.

How does this worry-free life insurance work?

A typical example

14 years ago, Hugo, Anne and Patricia started a limited liability company together. Hugo and Anne each contributed 25 percent of the capital, while Patricia contributed 50 percent.

When Patricia unexpectedly passes away, all her shares are inherited by her son Thomas. His vision of the future of the company is very different to that shared by Hugo and Anne, and he wants to fundamentally change the way it works. Naturally, they disagree – however, Thomas owns half of the shares, and the two other business partners do not have the resources to buy him out. This is the starting point for a great deal of arguing...

A two stage solution

A shareholder agreement with a purchase option, linked to an Omni Care death insurance policy offers a solution in 2 steps.

Step 1

In the presence of a notary, sign a shareholder agreement with your business partners that includes what is known as a call option. This requires the heirs to sell their inherited shares to the surviving business partners. In this way, you can ensure that your shares are retained by the original business partners in the event that one of you dies.

Step 2

Each shareholder/business partner takes out a death insurance policy on the life of the other business partners/shareholders, naming themselves as a beneficiary. If one of the insured business partners passes away unexpectedly, the surviving partners can use the insured capital to purchase their shares.

Prepared for what the future may bring at a moderate cost

Have you and your business partners stopped to think about the impact should one of you die? Naturally, you don't have much time for that sort of thing as your business takes all your attention. But that's exactly why you should protect all your hard work and safeguard it now for the future.

Your company pays the premiums for this death insurance in a tax-efficient manner.

Risk Simulator

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Your risk premium increases based on your age (see details).
*The calculation parameters are described below (see parameters and disclaimer). This simulation is done as an indication.


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Parameters & disclaimer

For more information on the product Omni care, please consult the financial information sheet and the general conditions available at

This simulation is not a contractual document. Therefore, the user can not derive any rights or benefits. These data are provided for informational purposes only. Although this information comes from reliable sources and quality, NN Insurance Belgium S.A. can not guarantee its accuracy and is not responsible for damages (direct or indirect) resulting from the use of this information.

Conditions and details

Insured capital

  • remains constant or reduces over time (cannot be increased)
  • must be at least EUR 25,000 and no more than EUR 999,999 at the start of the policy

If your capital is greater than 1 million euro then please get in touch with your broker.

Duration of the contract:

minimum 5 years

Premiums and charges

  • Types
    • single premium (you pay the full premium in one go)
    • fixed premium (you spread the payments over time; the premium remains constant)
    • risk premiums (the premium changes as you get older)
  • Payment frequency
    • monthly: only via direct debit
    • annual: via direct debit or transfer

Don't delay – ask your broker for a quotation in order to find out your exact premium, adjusted to your personal situation.

For an overview of all the taxes and levies included in the premium, please see the General terms and conditions for Omni Care.

Tax status

  • Individual Pension Agreement
  • Company director insurance

Medical exam:

Excluded risks

Some risks are not covered.

For the main policyholder, these include: suicide during the first year after taking out the contract; intentional acts; criminal convictions, and acts of war.

This list is not exhaustive. Please see the General terms and conditions for an overview of all the risks that are not covered.

A number of exclusions also apply to the supplementary Accident cover (AVRO). You can find a detailed list in the General terms and conditions for supplementary cover.

You are not covered for loss of income due to incapacity for work as a result of illness or accident.

Are you interested? Please get in touch with your broker

Are you interested in Omni Care? Then please get in touch with a local broker. That person will be the first point of contact for any questions you may have. They can also give you a quotation.

Do you have questions after taking out your cover? Then please get in touch with NN customer services.

Essential documents

Before you sign your insurance policy, it is essential to go through the following information.

Noodzakelijke informatie

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

Documents nécessaires

Avant de contracter cette assurance, il est nécessaire de prendre connaissance des informations ci-dessus.


Omni Care is an insurance product under Belgian law.

Do you have a complaint about your contract? If so, we kindly request you to follow the procedure below. Please note that you also have the right to take legal action at any time.

More information about the NN complaints procedure

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


  1. Omni Care is a death insurance policy under Branche 21 / Tak 21. It is a product of NN Insurance Belgium, a company under Belgian law.