Langetermijnsparen tak21

KBC Home & Long-Term Plan

Long-term saving with a savings insurance plan

  • A safe way to save money that earns a guaranteed rate of interest and to benefit from a potential profit share
  • Earn up to 30% tax relief
  • A flexible way to save whenever you want (starting from as little as 10 euros a month)
Start long-term saving
Start long-term saving

What is the KBC Home & Long-Term Plan?

The KBC Home & Long-Term Plan is a (class 21) savings insurance plan that allows you to build up a supplementary pension before and during retirement under the long-term savings tax scheme.

It's a very safe product due to the fact that interest is guaranteed on the amounts saved until the end of the contract. KBC Insurance guarantees paying interest on every net deposit until then. At present, the rate is 2.00%.

What's the return on a KBC Home & Long-Term Plan?

Guaranteed interest on every deposit

KBC Insurance guarantees that each net deposit (the premium you pay less taxes and charges) will earn interest at a fixed rate up until the end of the contract. At present, that rate is 2.00%.


In addition to the security of a minimum return, you could receive an annual profit share. This is not guaranteed and can vary from year to year, depending on the economic situation and the results of KBC Insurance.

Information about sustainability

This product promotes environmental and social characteristics that allow contributing to a positive impact on the environment or society, but does not have a sustainable investment as an objective. Moreover, we strive to limit any negative impact on the environment or society based on a responsible investment policy. More information can be found in your info sheet.

Label Towards Sustainability

This product was awarded the ‘Towards Sustainability’ label for a period of one year. The label, which was developed by Febelfin (the Belgian banking federation), is re-evaluated every year. It is a quality standard under the supervision of the Central Labelling Agency of the Belgian SRI Label (CLA). The standard defines several minimum requirements that sustainable financial products must meet at product level and in the investment process. See for more details. Products that are awarded this label may not meet your own sustainability objectives and the label itself may not necessarily meet the requirements of future national or European regulations. Learn more at

Save on tax

The premiums for this savings insurance plan qualify for tax relief under the long-term savings tax scheme. You can get a benefit of up to 30% of the amounts saved in the form of tax relief, depending on your personal situation.

Future tax treatment can change and depends on your individual circumstances. Your intermediary will be glad to give you bespoke advice in this respect.

You can combine long-term saving perfectly with pension saving. What's more, if you are married, both you and your partner can benefit from tax relief on pension savings and long-term savings plans.

A flexible way to save

You can save in a tax-efficient manner, starting from as little as 10 euros a month. You decide what best suits your situation and your family. The maximum amount you can save each year depends on the level of your earned income or pension. For 2024, that maximum amount is 2,450 euros.

When should you start?

Even while you're paying off your home loan, you can get tax relief under the long-term savings scheme, depending on when your home loan started.
The possibility of combining both tax schemes therefore also depends on your tax residence on 1 January.

If you’ve taken out a home loan in or after 2016 for your own property, you can fully combine long-term saving with the Flemish Housing Bonus.

Although the Flemish Housing Bonus was abolished in 2020, you can still benefit from tax relief on a long-term savings plan while you’re paying off your home loan.

It has been possible to combine both tax schemes (‘Chèque Habitat’ and long-term saving) in Wallonia for your one and only home since 2016.

Since 2017 – after the housing bonus was discontinued in Brussels – you have been able to combine long-term saving with your home loan because that type of loan no longer qualifies for tax relief.

If you’ve not yet turned 65 and will also pay tax in retirement, it's best to start long-term saving as soon as you can in order to enjoy a tidy bit of tax relief in the years to come. Contact your KBC branch or KBC Live staff member or your KBC Insurance agent to see whether you're eligible for tax relief, even after you retire.

Start long-term saving
Start long-term saving

Designating a beneficiary

You choose the beneficiary who will receive the reserve and any supplementary death benefit, provided they belong to the category of persons specified by law (i.e. lawful spouse, officially cohabiting partner, blood relation to the second degree).

Savings period

You decide how long you want to save for under the KBC Home & Long-Term Plan, though the contract must run for at least 10 years and cannot be terminated before your 65th birthday. You should therefore put into it money that you can do without for a longer period. It is a flexible and tax-efficient way for you to build up a tidy nest egg for your retirement. The savings insurance ends on the death of the insured person.

Tax treatment when the benefit is paid

Don't forget that the savings pot is taxable as soon as you benefit from tax relief.

  • A one-off advance levy is usually charged on your 60th birthday (or on the tenth anniversary of the contract if you take the policy out after turning 55)
  • If you die before the contract ends, the benefit paid will be subject to personal income tax at the same low rate
  • You may withdraw your savings early, but if you do you will incur a tax penalty

Rates and charges

Management fee None
Entry charges on new deposits 5% per deposit
Exit charges if money withdrawn early

Maximum 5%

Insurance tax on new deposits 2%

During the last five years of the contract, the exit charges fall by 1%. You don't pay any exit charges when you take statutory retirement, early retirement or a bridging pension, provided the contract has been running for at least ten years.

  • The minimum amount you can save per year is 288 euros (including taxes and charges)
  • The minimum amount you can save per month is 25 euros (including taxes and charges)
  • The maximum annual deposit is 2,450 euros and limited according to your earned income or pension and your personal situation

What are the risks?

  • This KBC Home & Long-Term Plan is covered by the Belgian deposit-protection scheme for guaranteed-interest life insurance (class 21). The scheme is triggered if it is established that KBC Insurance has defaulted. The protection currently amounts to 100 000 euros per policyholder for all reserves combined that are held with KBC Insurance under protected guaranteed-interest life insurance contracts.
  • The minimum term is 10 years and the earliest the contract can be ended is when the insured person turns 65. The savings insurance ends on the death of that person.

More things you need to know

Legal provisions

  • The KBC Home & Long-Term Plan is a guaranteed-interest life insurance policy in which the insurer bears the investment risk.
  • More detailed information on this product, the relevant terms and conditions, and the attendant risks can be found in the general conditions and the financial fact sheet. Before signing up to the plan, be sure to read through this information, which can be obtained free of charge from your KBC intermediary.
  • The KBC Home & Long-Term Plan is governed by the laws of Belgium.
  • KBC Insurance guarantees that each net deposit will earn interest up until the end of the contract. At present, the rate for all such deposits is 2,00% and is guaranteed until the contract ends.
  • The guaranteed interest rate may change for future deposits.KBC Insurance determines the interest rate applying to your deposits during the term of the contract, based on the situation on the financial markets and/or changes to the legal requirements. If this interest rate changes, KBC Insurance will notify you accordingly.


  • Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management, Brusselsesteenweg 100, 3000 Leuven,, tel. 016 43 25 94 (free of charge), tel. + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: de Meeûssquare 35, 1000 Brussels,,
  • This does not affect your legal rights.

Contact your KBC-intermediary to request a quotation for the KBC Home & Long-Term Plan. The KBC Home & Long-Term Plan is a product from KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – BelgiumVAT BE 403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB.

Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, de Berlaimontlaan 14, 1000 Brussels, Belgium. Member of the KBC Group.

For detailed information on this product, see the product fact sheet and the financial fact sheet. We recommend that you read this information carefully before buying this product.

Start long-term saving
Start long-term saving