Free Invest Plan

What is the Free Invest Plan?

The Free Invest Plan is a life insurance policy (branch 21) provided by AG Insurance, maturing in 8 years and 1 month.



  • Safe: a guaranteed minimum return, set out from the start, that can be increased annually by profit sharing.
  • Flexible: flexibility in both building up and accessing capital.
  • Tax breaks: no withholding tax unless you surrender your Free Invest Plan (branch 21) capital in the first 8 years (for natural persons).



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You choose how you would like to save.

Do you prefer to make regular savings? With the Free Invest Plan (branch 21), you can pay a monthly, quarterly, half-yearly or annual premium from EUR 30. This amount can be adjusted at any time.

Prefer to make a one-off payment into your Free Invest Plan (branch 21)? EUR 2,500 is all you need.

In both cases, additional payments of at least EUR 30 are possible at any time.

The interest rate prevailing at that time is applied to each payment. That interest rate is guaranteed until the Free Invest Plan (branch 21) contract expires. An annual profit share may be allocated, further boosting the future capital

You can withdraw all or some of your capital at any time. Such surrenders within a Free Invest Plan (branch 21) are free of charge under certain conditions: you can withdraw, free of charge, up to 10% of the reserve you had on 31 December of the previous year, up to a maximum of EUR 50,000

You pay no withholding tax if no amount is surrendered within the first 8 years (for natural persons). If an amount is surrendered within the first 8 years, 25% withholding tax is deducted from the capital growth, which is calculated against a capitalisation interest rate of 4.75% per year. The profit shares are exempt.

Insurance tax: 2% on net premiums (for natural persons residing in Belgium)

The premiums do not qualify for any tax reduction

Also enquire about the Free Invest Plan formula (branch 21) with no fixed term, entered into within a gift framework.

The Free Invest Plan (branch 21) is also suitable as an asset transfer instrument.

With the Free Invest Plan (branch 21), you appoint a beneficiary who will receive the accumulated capital in the event of your death before the contract expiry date


General terms and conditions (pdf, FR)Flash Invest (pdf)


This is in reference to an AG Insurance product, 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 licenced 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.



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