Frequently asked questions

Fix & Income Plan

Choose the comfort of a supplementary income

Do you want to receive a regular income from an investment, but you are not willing to take the risks inherent in the investment world? Then choose the Fix & Income Plan, an individual life insurance with a one-off premium and two contracts. With the Fix contract you are sure to recover the net premium invested - which is the premium without tax and entry fee - at maturity. The Income contract provides the payment of a fixed income at regular intervals for eight years and one day.

The Fix component for safety

This contract guarantees repayment of the invested net premium (excluding tax and entry charges) at maturity.

The Income component for interest at regular intervals

From the outset you will know how much interest you will receive on a monthly, quarterly or annual basis. This continues throughout the duration of the contract. That way you will know both how much you will receive, and when you will receive it.

You decide

You choose how much you want to invest. It is possible to receive a monthly or quarterly income from a single total investment of EUR 25,000 (taxes and fees included). A premium of EUR 6,250 is sufficient for an annual income.

Plan your estate

You can designate a beneficiary who will receive your entire net investment (premium minus tax and fees) if you die. Be aware that this amount may be subject to inheritance tax.

What is in it for you?

  • A monthly, quarterly or annual income determined at the inception of the contract (Income contract).
  • A guaranteed interest rate of 0.50% on the net premium invested. This rate is applicable for the duration of the contract. (effective 01/08/2016).
  • At maturity, you will receive the net premium invested (Fix contract).
But what if disaster strikes and you die before the maturity date of the contract?

In this case your beneficiary will receive the net premium invested, minus tax and entry charges (Fix contract), plus an amount corresponding to the income of the Income contract that has not yet been paid (calculated on a daily basis until the day of death). The payment of income will terminate upon your death.


Insurance tax: 2% of the premium paid.

Roerende voorheffing:

Withholding tax:

Fix Contract: No withholding tax on capital that is paid out upon the death of the insured or at maturity of the contract.

Income Contract: A separate annual tax of 27% (plus municipal tax) applies to 3% of the capital value of the income (capital that makes up the interest). In case of capital redemption within the first eight years of your contract, you will pay a 27% withholding tax.

In the event of death, inheritance tax may be levied.

This tax regime applies to private investors in Belgium and may be subject to changes. Other categories of investors are requested to inform themselves about the tax regime applicable to them.



Entry fee: 2.4% of the net premium invested.

Exit fee: 0% (at maturity of the contract or upon death of the insured)

Management fee: 0%

Redemption fee: 1% of the theoretical surrender value. In case of redemption between the 12th and the 7th month before the end date of the contract, you pay 0.50%. You do not pay a redemption fee in the last six months of the contract.

Partial surrender/withdrawal: A partial surrender of the two contracts is not possible.

Full surrender/withdrawal: The policy holder can request the full surrender of the two contracts or only the Fix contract. It is not possible to request only the surrender of the Income contract.

Special redemption fee: In case of redemption during the first eight years of the contract, a financial correction may be applied. The surrender value is then adjusted by a factor reflecting changes in market interest rates.

How can you track your Fix & Income Plan?

Each year you will receive an overview of your contract. Easy Banking Web allows you to consult the current state of your contract at any time.

What are the risks involved when taking out this savings insurance?

This product is covered by the Guarantee Fund on the basis of the protection regime applicable to branch 21 products. It comes into effect in case of prolonged failure of AG Insurance and currently covers a maximum amount of EUR 100,000 per policyholder, per insurance company. In the case of larger amounts, only the first EUR 100,000 are guaranteed, and the saver risks partially or completely forfeiting the excess amount.

Learn more about how you can protect your investment in a savings insurance.

Want to know more?

Notice: the investor must take note of the general terms and conditions and the financial fact sheet before making an investment decision.

Legal information

The Fix & Income Plan is an individual life insurance (branch 21) from AG Insurance, limited company under Belgian law, excluded from tax, distributed by BNP Paribas Fortis. The Fix & Income Plan is designed for investors who wish to invest their money safely and receive a regular income while preserving the invested amount (premium excluding tax and fees).

AG Insurance sa/nv – 53 Boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 – Accredited insurance company licensed under code number 0079, under the supervision of the National Bank of Belgium, 14 Boulevard de Berlaimont, 1000 Brussels. BNP Paribas Fortis sa/nv, 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA under n° 25.879A and acting as a contractually appointed insurance agent on behalf of AG Insurance sa/nv.

For all your questions, contact any branch of BNP Paribas Fortis. In case of complaints, please contact BNP Paribas Fortis sa/nv - Complaint Management - Montagne du Parc 3, 1000 Brussels; AG Insurance sa/nv, Service Complaints Management, E. Jacqmain 53, B - 1000 Brussels (Tel .: +32 (0) 2 664 02 00) or by email at:

If you are not satisfied with the solutions provided by BNP Paribas Fortis and AG Insurance, you can submit the dispute to Insurance Ombudsman, Square de Meeûs 35, B - 1000 Brussels, or by email: