Frequently asked questions


Savings and investment insurances

Formulas that take your expectations into account

We have categorised our investment insurances according to their branch and what you can expect from each type of insurance. Click on the links below for more information about investment objectives, risks and costs of the product.

Branch 21

A life insurance that provides optimal capital protection, a minimum guaranteed return (known from the start) and a possible share in profits.

Combination of branch 21 and 23

A life insurance that combines the security of a branch 21 product and the potentially lucrative returns of a branch 23 product.

Branch 23

A life insurance coupled to one or more investment funds, with the potential for lucrative returns. However, you carry the full capital and performance risk.

Legal information

Individual life insurances 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, 12-14 Congress, 1000 Brussels, 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: Insurance Ombudsman, Square de Meeûs 35, B - 1000 Brussels, or by email: