Home Invest Plan

Preparation is key when purchasing or building a home

Are you dreaming about buying or building a home, but do not know when? Opt for the Home Invest Plan, an individual life insurance (branch 21) that allows you to regularly set aside money. The moment you buy a home, this savings plan will be converted into an outstanding balance insurance, which is essential to protect your loved ones against any financial problems during the term of your home loan. In case you do not end up following through on your real estate plans, your contract simply continues until the age of 65 (or for at least 10 years, if the contract was concluded after the age of 55), after which you will receive a significant pension capital.

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. You can deposit as little as EUR 30 per month or EUR 360 per year. You want to raise or reduce your premiums, make an additional payment or suspend the payment of premiums? You decide!

Benefit from a 30% tax break

Maximise your tax savings with the Home Invest Plan. As a natural person you can declare up to EUR 2,350 premium on your tax return in 2019 (depending on your professional income). You are entitled to 30% tax relief of this amount, which reduces your taxed amount by EUR 705 (these figures may change in the future). In addition, this tax break applies to each taxpayer. Therefore, if you are married or legally cohabiting, and your spouse is also liable to pay tax, you can both take advantage of it.

Why should you start saving for your future outstanding balance insurance now, before you even purchase a home? Because if you buy a property, capital repayments and interest of your home loan usually deplete most of the tax benefits you are entitled to. As a consequence, you will not be able to enjoy additional tax benefits on the premium of your outstanding balance insurance. The Home Invest Plan on the other hand, lets you benefit from a tax reduction already now, as the premium falls under "long-term savings". When you purchase a property, this savings reserve will be converted to your outstanding balance insurance.

To help you introduce your Home Invest Plan in your tax return, AG Insurance will send you an annual tax certificate. All you have to indicate in your tax return is the amount deposited.

What is in it for you?

Currently, the interest rate is 0.75% on the invested net premium (effective 1/8/2017).

The net amount (excluding tax and entry fees) of each premium is invested at an interest rate applicable at the time of the deposit. This rate applies for the duration of the contract, so you know exactly what each deposit will yield. Also, if AG Insurance's operating records turn out positive, you may share in the benefits. Additionally, you will save up to EUR 705 on your taxes annually.

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 capital redemption within the first eight years of your contract, withholding tax may be levied on interest. 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: 5% of the net paid premium. These entry fees decline annually by 1% during the 5th, 4th and 3rd year before the contract expires. You do not pay entry fees on deposits made during the last two years of the contract.

Redemption fee before the age of 60: 5% of the surrender value. In case of redemption in the last five years of the contract, the redemption fee decreases by 1% per year. After the age of 60, you pay no redemption fee.

How can you track your Home 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 Home Invest Plan is a savings-based insurance (branch 21) from AG Insurance, limited company under Belgian law, distributed by BNP Paribas Fortis. 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 - 3 Montagne du Parc, 1000 Brussels;
  • AG Insurance sa/nv, Service Complaints Management, 53 Boulevard Emile Jacqmain, B-1000 Brussels (Tel .: +32 (0) 2 664 02 00) or by email at:;
  • or refer to Article 21 of the General Banking Terms and Conditions. If you are not satisfied with the solutions provided by BNP Paribas Fortis and AG Insurance, you can submit the dispute to: Insurance Ombudsman, 35 Square de Meeûs, B - 1000 Brussels, or by email: