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KeyPension Blue pension savings

Save up to € 980 per year for your pension and benefit from a tax deduction

KeyPension Blue is a life insurance under Belgian Law (branch 21) by NN Insurance Belgium nv, a Belgian insurer. KeyPension Blue helps you take full advantage of existing tax breaks and supplement your pension.

Main Characteristics of Keypension Blue
Tax reduction
Every year you will benefit from a tax reduction equal to 30% of your annual investment (up to € 294 in 2019). This tax reduction is applicable to all investments until the 31st of December of the year of your 64th birthday.
Return
KeyPension Blue offers momentarily a guaranteed minimum return of 0% on each premium that is being invested. This percentage will be applied to that premium during the full duration of the contract. This return might be annually complemented with variable and non-guaranteed profit sharing interests.
At your own pace
You have the choice between a bi-annual investment (min. € 200) or an annual investment (min. € 250). The maximum amount offering a tax advantage is € 980 for 2019 (tax year 2020).
Costs
  • Entry fee: 1% on the premium.
  • Distribution fee: 0.15% (included in the entry fee)
  • Management fee applicable to the contract: On a yearly basis 0,1% of the reserve, withdrawn each month.
  • Exit fee: first 3 years: 1% (minimum € 75); as from the 4th year: € 75.
Applicable law
The Belgian law is applicable.
Capital guarantee
Your KeyPension Blue pension savings is a life insurance branch 21. This means that you will benefit from a “guaranteed capital”. In other words: in case of the insurance company’s bankruptcy, your investments (decreased with eventual withdrawals) increased with possible profit sharing interests and acquired interests fall under the Belgian deposit guarantee scheme for an amount of € 100 000 per person and per insurance company. NN Insurance Belgium is affiliated to the legally obliged Belgian system. More information on this Belgian deposit guarantee scheme is available on the website www.bijzonderbeschermingsfonds.be.
Taxation
Insurance tax is not applicable for a pension savings insurance. You will pay an advance tax of 8% on your reserve at age 60 (or 10 years after the start of your contract if you subscribed after age 55 or 10 years after the increase of your premium if you increased your premium after age 55). This tax is final which means that you will no longer pay any taxes at end date.
Long term investment
The minimum duration is 10 years and the end date is your 65th birthday at the earliest. You can withdraw before, yet this is subject to taxes (33,31% taxes for withdrawals before age 60).
Convenient
You can subscribe to a KeyPension Blue contract entirely online.
Pension Savings helps you take full advantage of existing tax breaks and to supplement your pension. Pension Savings helps you take full advantage of existing tax breaks and to supplement your pension. Pension Savings helps you take full advantage of existing tax breaks and to supplement your pension.
Pension savings: benefit from a tax reduction every year. Pension savings: benefit from a tax reduction every year. Pension savings: benefit from a tax reduction every year.
Do you have complaints?
Each complaint can be addressed to:
  • NN, Quality Team, Fonsnylaan 38 te 1060 Brussel, klachten@nn.be in first instance;
  • Or to the “Consumentenombudsdienst” at the Ombudsman van de verzekeringen,
    de Meeûssquare 35 te 1000 Brussel,
    tel. : +32(0)2 547 58 71,
    fax : +32(0)2 547 59 75,
    email : info@ombudsman.as,
    site : www.ombudsman.as, in last instance.

Apply today

In order to subscribe to KeyPension Blue savings insurance, you'll need to become a Keytrade Bank client first.

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