Free Invest Plan

Guaranteed capital and interest rates

Would you like to invest for a long period of time without putting your savings at risk? Then the Free Invest Plan is ideal for you. This individual life insurance (branch 21), with a duration of eight years and one month, offers a double guarantee: you are sure to recover your capital at maturity (after expenses and tax) and you can count on a guaranteed interest rate.

You decide when and how much you deposit, starting from EUR 1 per day

Do you wish to make one large payment or several payments at regular intervals? It is up to you. An initial payment of EUR 2,500 is enough to start this unique investment. After that, additional deposits start from as little as EUR 30 per month or EUR 360 per year. Do you want to raise or reduce your premiums, make an additional payment or suspend the payment of premiums? You decide!

What is in it for you?

Currently, the interest rate is 0.50% on the net amount paid (effective 1/8/2016).

With each premium deposit you build up a guaranteed capital. The net amount (excluding tax and entry fees) of each deposit is invested at an interest rate applicable at the time of payment. This rate applies for the duration of the contract, so you know exactly what each payment will yield. Also, if AG Insurance's operating records turn out positive, you may share in the benefits.

You can withdraw all or some of your capital at any time. This is free of charge (excluding withholding tax) if the withdrawal amount is less than 10% of your accumulated capital.

At the end of the contract, you will receive your entire capital plus yields. But what if disaster strikes and you die before the maturity date of the contract? In this case, the entire reserve of the contract, plus the possible payout, will be paid to your loved ones. Be aware that this amount may be subject to inheritance tax.


Insurance tax: 2% of the paid premium.

Withholding tax: in case of withdrawal of capital within the first 8 years of your contract, a withholding tax of 27% is levied.

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


Entry fee: 3.50% of the net premium paid. Did you reach EUR 25,000 with your latest Free Invest Plan deposit? Then you only pay a 3% entry fee on this and every subsequent deposit.

Management fee: 0%

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

Redemption fee: 0% for a withdrawal of less than 10% of the accumulated capital (with a maximum of EUR 50,000 per year). In all other cases, you pay 1%, except for a surrender in the final year of the 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 Free Invest Plan?

Each year you will receive an overview of your contract, including a record of any bonuses granted. 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 takes 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 Free Invest Plan is a savings-based insurance (branch 21) from AG Insurance, limited company under Belgian law, distributed by BNP Paribas Fortis. The duration of a Free Invest Plan amounts eight years and one month. However, you can also take out a plan with no fixed term as part of a donation with charges.

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. Or refer to Article 21 of the General Banking Terms and Conditions;
  • 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: