You can choose from a wide range of unit-linked life insurance products at KBC Private Banking Wealth.
Ideal for inheritance planning
You decide who will receive the capital when you die.
Potentially higher return
Unit-linked life insurance is an investment-type insurance policy linked to one or more investment funds. While investing obviously entails a certain risk, it also gives you the opportunity to earn a higher return.
Why go for unit-linked life insurance products?
You're keen on earning a higher return
Unit-linked life insurance products always entail a certain risk because the return is linked to the performance of one or more investment funds. On the other hand, there is potential for a higher return.
You want to plan your inheritance as thoroughly as possible
A unit-linked life insurance product gives you the freedom to decide who receives the capital when you die (i.e. your partner, your children, your grandchildren or someone else). One of the associated benefits is that you save on inheritance tax by passing on some of your assets to your grandchildren upon your death (or later). This is also referred to as 'generation skipping'.
The capital you invest in a unit-linked life insurance product is quickly made available to the beneficiary after your death.
You're after product diversification
A unit-linked life insurance product can be combined with other investment products to create a well-diversified investment portfolio.
Broad range of unit-linked life insurance products
KBC Private Banking & Wealth boasts a broad range of unit-linked life insurance products to choose from. Regardless of the investment formula that's right for you, you'll always be given the opportunity to make socially responsible investments at KBC Private Banking & Wealth.
You can see everything on offer using KBC Asset Management's Fund Finder. If you prefer, you can always contact your Private Banker or Wealth Officer, who's your dedicated contact and personal guide through the complexities of managing your wealth.
What type of return can a unit-linked life insurance product generate?
Unit-linked life insurance products are life insurance policies whose return is linked to the performance of one or more investment funds. These funds invest primarily in shares, bonds, cash, real estate or a combination of these assets. Depending on the selected investment combination, the product can entail a low to high degree of risk. Ultimately, the return is dependent on the performance and changes in value of the funds. The value of a fund may fluctuate over time. The attendant financial risk is borne by the policyholder. On the other hand, there is the potential that you will receive a higher return.
How much does it cost to invest in a unit-linked life insurance product?
Most investment-type insurance products require payment of entry charges, an annual management fee and an insurance tax of 2%.
Under the current tax system, you do not pay any withholding tax on the income from your unit-linked life insurance product, unlike the situation with many other investments. If the unit-linked life insurance product provides full or partial capital protection, no withholding tax is payable when all or some of the capital is withdrawn, provided the insurance contract has been running for at least eight years.