Index Protect Investment
Security and return potential in a single product
Index Protect is an index-linked annuity insurance designed for single contributions, combining the benefits of an insurance policy with those of a capital investment. You secure a guaranteed level while also participating in the positive performance of a market index.
Benefits of this insurance
You choose between a 90% or 100% guarantee on your contribution at contract maturity.
Your capital participates in the performance of diversified indices across bonds, stocks, and commodities such as gold.
The "Multi Asset Strategie Global IP" index is evaluated against ESG criteria and classified as sustainable under Article 8 of the SFDR.
The product includes a money-back guarantee in the event of the insured's death.
What is covered
Deferred annuity insurance
Part of the single premium is used to acquire a stake in the positive performance of an index.
Choice of guarantee level
You can choose between greater security (100% guarantee) or greater return potential (90% guarantee).
Guaranteed benefit at maturity
At the end of the agreed term, you receive at least the guaranteed capital according to the chosen option.
What is not covered
Guaranteed return above the index
Additional returns depend on the actual performance of the reference index and are not guaranteed beyond the chosen capital level.
Regular contributions
This product is designed for a single contribution, not for recurring monthly savings.
Real claim examples
Investment with 90% guarantee
A client invests an inheritance, choosing the 90% guarantee option to maximize long-term return potential.
Protection with 100% guarantee
A client nearing retirement prioritizes full capital security by choosing the 100% guarantee.
Frequently asked questions
What is the difference with the Fund-Based Pension?
Index Protect focuses on a single contribution with a selectable guarantee level and index participation; the Fund-Based Pension offers an annual return lock-in and a wider variety of investment options.
Can I change the guarantee level at any time?
The guarantee level (90% or 100%) is chosen when taking out the product.
What happens if I die during the contract term?
Your beneficiaries receive a money-back guarantee.
Is this a low-risk product?
It combines a guaranteed security level with market exposure, so the risk depends on the chosen guarantee level.
Do you have capital you want to invest safely?
Tell us about your situation and we will explain how the guarantee and return potential of Index Protect work.
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