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The outstanding balance insurance is the insurance you need

Outstanding balance insurance

Are you financing an investment through a loan?

You do not want to leave your loved ones with insurmountable repayment costs in case of occupational disability or death?

Outstanding balance insurance is the right insurance for you!

Outstanding balance insurance is decreasing term life insurance.

The capital sum insured with the outstanding balance insurance changes at the same rate as the remaining amount to be paid back on the loan.

If something were to happen to you (disability, death), the outstanding balance insurance guarantees that the loan will automatically be paid back.

You can also opt for "Total and Permanent Disability" cover which also guarantees the repayment of your loan should there be a risk of permanent disability.

Tax advantages with an outstanding balance insurance

Whether you opt for a single premium or for periodic premiums, the premiums you pay will be tax deductible (under Article 111 LIR).

The single-premium outstanding balance insurance policies do benefit from an advantageous tax arrangement, however.

The maximum specified deductible limit is in fact increased by a relatively large amount depending on your age and status.

Please note that for periodic premiums, the deductible amount is 672.00 EUR per person in the household.

If a single-premium policy has been taken out, please refer to the table below to work out the deductible amount you will benefit from.

  Without children 1 child 2 children 3 children For each additional child

Deductible amount

Up to age 30 6000 € 7200 € 8400 € 9600 € + 1200 €

Age 31

6480 € 7776 € 9072 € 10 368 € + 1296 €
Age 32 6960 € 8352 € 9744 € 11 136 € + 1392 €
Age 33 7440 € 8928 € 10 416 € 11 904 € + 1488 €
Age 34 7920 € 9504 € 11 088 € 12 672 € + 1584 €
Age 35 8400 € 10 080 € 11 760 € 13 440 € + 1680 €
Age 36 8880 € 10 656 € 12 432 € 14 208 € + 1776 €
Age 37 9360 € 11 232 € 13 104 € 14 976 € + 1872 €
Age 38 9840 € 11 808 € 13 776 € 15 744 € + 1968 €
Age 39 10 320 € 12 384 € 14 448 € 16 512 € + 2064 €
Age 40 10 800 € 12 960 € 15 120 € 17 280 € + 2160 €
Age 41 11 280 € 13 536 € 15 792 € 18 048 € + 2 256 €
Age 42 11 760 € 14 112 € 16 464 € 18 816 € + 2352 €
Age 43 12 240 € 14688 € 17 136 € 19 584 € + 2448 €
Age 44 12 720 € 15 264 € 17 808 € 20 352 € + 2544 €
Age 45 13 200 € 15 840 € 18 480 € 21 120 € + 2640 €
Age 46 13 680 € 16 416 € 19 152 € 21 888 € + 2736 €
Age 47 14 160 € 16 992 € 19 824 € 22656 € + 2832 €
Age 48 14 640 € 17 568 € 20 496 € 23 424 € + 2928 €
Age 49 15 120 € 18 144 € 21 168 € 24 192 € + 3024 €

Age 50 and over

15 600 € 18 720 € 21 840 € 24 960 € + 3120 €