Junior Invest Plan

  • Savings insurance (branch 21) provided by Belgian AG Insurance sa/nv
  • Guaranteed capital and interest rates
  • Single or regular deposits
  • Minimum duration: 8 years and 1 day
  • Favourable tax regime

Save for your children and grandchildren

As a parent, you want the best for your children and grandchildren. You want to set them up financially, so that they can afford to study, rent an apartment, travel overseas, or even buy their first home. Opting for the Junior Invest Plan, a form of life insurance, can help with that. It allows you to regularly set aside money, to give your small ones a financial boost once they turn 18, 21 or 24 years old.

Only you decide

Are you divorced? No problem, you can save for your children without involving your former spouse. Similarly, you can also put money aside for your grandchildren without requiring the intervention of their parents. You are the one in control.

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!

What is in it for you?

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

With each premium deposit you build up a guaranteed capital. The net amount (excluding tax and entry fees) of each premium 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.

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, you will pay 27% withholding tax.

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 premium paid. 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 payments made during the last two years of the contract.

Management fee: 0%

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

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.

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 Junior 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 Junior 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 - 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:
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: