Quercus Risk & Capital offers insurance solutions under Branch 21 and Branch 23.

Branch 21:

Branch 21 insurance is a medium- or long-term investment or savings product in the form of a life insurance policy.

Branch 21 offers you:

– the guarantee that you will recover the premiums you have paid (minus fees and taxes)

– a guaranteed return

– a possible profit share

Branch 23

• A Branch 23 product is a unit-linked life insurance. Its return depends on the performance of this investment. You may therefore receive a positive or negative return, with the possibility of capital gains or losses.
• Branch 23 products are mainly intended for investors who are able and willing to take greater risks. You may lose some of your invested capital, and there is no guarantee of return.

• Differences between Branch 21 and Branch 23
• The main differences between Branch 21 and Branch 23 lie in the following areas: capital, return, risk and taxation.

Quercus Risk & Capital provides you with completely independent support in building an investment portfolio that suits you, taking into account your risk aversion, your interest in ethical investments and your investment horizon.

We select our funds from the world's most reputable management companies, giving us access to nearly 1,000 funds.

Branch 26

Branch 26 products can only be taken out for a limited period, without death benefit capital accumulation and without the possibility of designating insured persons or beneficiaries.

What are the benefits?

– A Branch 26 contract is a simple capitalisation contract, comparable to a savings certificate or a bond. The interest rate is defined in advance, you set the maturity date yourself, and at the end of the contract, the capital and interest are paid to your company.

- None A premium tax of 2% for individuals or 4.4% for legal entities must be paid.

– Withholding tax upon expiry of the contract: 30% of the actual return

– Withholding tax is deductible from corporation tax.

– Companies do not run any risk due to the guaranteed return.

Starting at €10,000, we offer a competitive solution:

In brief:

1. Fixed term between 1 and 10 years
2. Fixed interest rate
3. Fixed entry cost of €50 and variable cost of maximum 1%

Please contact us for further information.