Life insurance

  • You protect your loved ones from the financial consequences of your death
  • You decide how much you want to insure
  • You decide who receives this sum after your death
Calculate your premium in a few clicks

Why take out life insurance?

Do you know what your partner’s or family’s financial situation would be if you were to pass away?

With various expenses cutting into your family’s budget, loan balance insurance can help cover mortgage loan repayments. But what about energy bills and unexpected costs? Will your family be able to make ends meet and maintain their standard of living without your income?

KBC Life Insurance protects your family against the financial consequences of your death. Your surviving dependants will receive a sum of money to cover unexpected or recurring expenses.

Learn more about KBC Life Insurance

How can life insurance help your loved ones?

KBC Life Insurance can help your family maintain their standard of living after you’re gone.

Life Insurance
  • They can continue to live in their home
    Your life insurance benefits will allow your family to continue living in the accommodation you are renting or paying off.
  • Your children can still realise their dreams
    You continue to support your children financially after your death to ensure they can pursue their studies or other future plans.
  • Ease the burden of invoices and unexpected costs
    The sum of money paid out can be used to cover day-to-day expenses such as energy bills and groceries as well as unexpected expenses for maintenance or repairs to your car or your home. Life insurance gives your loved ones financial peace of mind and a financial boost to safeguard their future.

Don’t know how much to insure for?

Life insurance ensures you continue providing financial support to your loved ones. How much is needed to do so depends on your personal situation.

For example, you can provide a financial buffer to cover:

  • your children's study expenses
  • the rent for your family home
  • everyday or unforeseen expenses

If you’re not sure how much you need for that, go to our online calculator and generate a personalised proposal for an instant idea of your monthly premium.

Calculating your life insurance online

  1. Start running your simulation in KBC Brussels Mobile or KBC Brussels Touch
  2. View your personalised proposal
  3. If necessary, adjust the term and sum insured to suit your needs
  4. Submit a request to discuss your simulation with one of our experts
  5. Expect a call from us within five business days
Work it out now

What are the main exclusions?

No payment is made if the insured dies:

  • As the result of an act of violence, insofar as the insured voluntarily or actively participated in it;
  • During active participation in events of war;
  • Beyond the term of the insurance;
  • By suicide during the first year of the contract (euthanasia according to the legal provisions is, however, not an exclusion).

Your life insurance – a practical overview

Who is this insurance intended for?
This insurance is designed for individuals who are aged between 18 and 74.

What sum is insured?
You decide on the amount to insure; the minimum amount is 5 000 euros.

What is the term of a life insurance policy?
The term of the policy can be freely determined, but may not be less than one year. The latest date on which the contract can end is the 75th birthday of the insured.
If you no longer want this insurance, you can cancel it from the following month at no cost.

How can I pay the premiums?
The premiums can be paid as:

  • Monthly (by direct debit) or annual risk premiums. That means that the premium changes in line with the age of the insured.
  • A single premium.

What taxes are payable on new premium deposits?
Individuals residing in Belgium pay an insurance tax of 2% on each additional amount deposited.

Is there a medical acceptance procedure?
Medical acceptance depends on the insured death benefit and your age at the time of taking out the insurance. Please feel free to drop by one of our branches, get in touch with KBC Brussels Live or contact your insurance agent if you require further information.

When will the sum insured be paid out?
If you die within the term of your insurance policy, the death benefit will generally be paid out within a month if we have received all necessary documents (the documents needed depend on the deceased’s situation).

This in any case involves the following documents:

• Extract from the insured’s death certificate
• Confirmation of the beneficiaries’ identity details

If applicable in your case, we also need the following documents:

• Extract from the marriage certificate
• Certificate or deed of succession
• Medical certificate of death
• Signed application for payment or discharge

What needs to be arranged first when a loved one dies?
When you lose a loved one, the last thing on your mind is paperwork. That said, it’s important to take care of a number of administrative formalities as quickly as possible, such as reporting the death to the bank to arrange payment of the death benefit.

Don’t know where to start? We’ve created this checklist to help you navigate this difficult process. You can also add things you want to be sure not to forget.

This checklist can ease some of the burden of the administrative formalities, so you can concentrate on your family.

Questions about your life insurance

If you have any questions about your KBC Life Insurance, please feel free to drop by one of our branches, get in touch with KBC Brussels Live or contact your insurance agent.

Calculate your life insurance

Good to know

  • KBC Life Insurance is governed by the laws of Belgium.
  • KBC Life Insurance is a type of term insurance (class 21)
  • Following a notification of death, your surviving dependants can seek the help of our Estates department
  • In principle, inheritance tax is payable on KBC Life Insurance
  • The tax treatment can change and depends on your individual circumstances. Your Insurance Expert wall be pleased to explain this to you in more detail.
  • Your intermediary is the first point of contact for any complaints you may have. If no agreement can be reached, please contact KBC Complaints Management: Brusselsesteenweg 100, 3000 Leuven, complaints@kbc.be, tel. 016 43 25 94 (free of charge), tel. + 32 78 15 20 45 (charges apply), fax + 32 16 86 30 38. If you cannot find a suitable solution, you can contact the Belgian insurance industry's ombudsman service: de Meeûssquare 35, 1000 Brussels, info@ombudsman-insurance.be, www.ombudsman-insurance.be.
    This does not affect your legal rights.

Please go to a KBC Brussels branch, get in touch with KBC Brussels Live or contact your insurance agent to get a KBC Life Insurance quote.

KBC Life Insurance is a product of KBC Insurance NV – Professor Roger Van Overstraetenplein 2 – 3000 Leuven – Belgium
VAT BE 0403.552.563 – RLP Leuven – IBAN BE43 7300 0420 0601 – BIC KREDBEBB
Company authorised for all classes of insurance under code 0014 (Royal Decree of 4 July 1979; Belgian Official Gazette, 14 July 1979) by the National Bank of Belgium, De Berlaimontlaan 14, 1000 Brussels, Belgium.
Member of the KBC group

Read this information carefully before taking out this insurance

Calculate your premium in a few clicks
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Calculate your premium in a few clicks
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