Life insurance has become an essential vehicle for medium and long-term investment, and for both wealth and inheritance planning.

A specialist in the life insurance sector for over 30 years now, OneLife develops innovative cross-border financial planning solutions that comply with local regulations and are designed to adapt to each individual and their evolving needs.

A branch in Belgium

As a major player in the Belgian investment insurance market, we are seeking to enhance our presence in Belgium by offering Belgian policies in order to meet your needs, supported by maximum proximity. 

This has now been achieved with the opening in 2024 of our OneLife Belgian Branch which operates under the regime of Freedom of establishment and offers the best of investment life insurance within a 100% Belgian solution thanks to BeLife, our new Branch 23 life insurance product.

BeLife

This Branch 23 life insurance policy governed by Belgian law is a flexible and innovative solution giving access to a large investment universe within a Belgian financial environment.

Accessible from EUR 10,000, BeLife is designed for private clients residing in Belgium who are seeking to invest over the medium to long term in a wide range of funds, while retaining the ability to access their savings at any time. Among the many advantages of this policy are transactions carried out in a national banking environment (custodian bank and banking institution in Belgium) and the fact that there is no particular tax reporting obligation for the policyholder.

Why invest in a policy like BeLife rather than in a securities account held with a bank in Belgium or a life insurance policy offered by a Belgian insurance company?

  • You can choose from a wide range of funds, accessible from small amounts. You invest in the ‘real’ funds (and not in more expensive ‘mirror’ funds, as is the case with a life insurance policy offered by a bank or a Belgian company).
  • You benefit from flexible pricing, depending on the features of your policy and negotiations with your insurance intermediary
  • From a tax point of view, you pay a 2% tax on insurance premiums when you invest, but you do not pay any withholding tax or tax on stock market transactions afterwards, as is the case for investments in a traditional securities account.
  • Life insurance allows you to organise the transfer of your wealth more easily thanks to its more flexible structure than a securities account (which will follow legal devolution). It’s a tailor-made solution for protecting your loved ones.

What’s more, once you’ve taken out the policy, you can easily track its value and the status of transactions in complete transparency via 24/7 via our secure and intuitive online tool or the OneLife OneApp application.

Want to find out more?

Discover on our dedicated page the other life insurance policies OneLife offers to Belgian residents.

Still questions? Contact your insurance intermediary or OneLife.