MyMonument
Secure portal enabling members and employers to:
- Access their data
- Make changes
- Communicate directly with their account manager
Individuals
Branch 21
This section is intended for individuals who hold a life insurance policy offering a guaranteed return, contractually fixed on the premiums paid (a Branch 21 product), managed by Monument Assurance Belgium.
Monument Assurance Belgium no longer markets new products.
Product 786 Fiscal
A Branch 21 policy offering tax benefits relating to long-term savings.
Costs
Pursuant to the Royal Decree of 10 April 2025, which came into force on 1 January 2026, Monument Assurance Belgium is required to publish the costs of third-pillar products.
- Entry costs
-
1 %
This cost is calculated on the net premiums paid.
- Recurring costs
- 0 %
CertiFlex Fiscal and CertiFlex Pension
Branch 21 life insurance policies taken out through Ethias.
Costs
Pursuant to the Royal Decree of 10 April 2025, which came into force on 1 January 2026, Monument Assurance Belgium is required to publish the costs of third-pillar products.
Information regarding entry costs and recurring costs is available on the Ethias website.
Capital gains tax
From 1 January 2026, a 10 % tax applies to capital gains realised on certain financial products, in particular upon surrender or payout of the capital of certain life insurance policies while the insured person is still alive.
For further information, please see the FAQ – Capital gains tax section.
Branch 23
This section is intended for individuals who hold a unit-linked life insurance policy (a Branch 23 product) managed by Monument Assurance Belgium.
Monument Assurance Belgium no longer markets new products.
Perspective Test-Achats
Costs
In accordance with the Royal Decree of 10 April 2025, which came into force on 1 January 2026, Monument Assurance Belgium is required to publish the costs of third-pillar products.
- Entry costs
-
1.5 %
This is the maximum cost calculated on all net premiums paid.
- Recurring costs
-
0.80 %
This is the maximum annual cost, calculated at a rate of 1/52 per week. The costs are borne by the investment fund and are automatically deducted from the unit value.
Occasional charges
Surrender charges amount to 4 % of the policy value during the first year following policy issue. They then decrease by 1 % per year. From the fifth year onwards, no surrender charges are applied.
No surrender charges are applied in the event of the insured person’s death.
Monument Assurance Belgium may charge fees for:
- checks to determine whether the insured person is still alive;
- searches for beneficiaries.
These fees may not exceed 5 % of the insured benefits, up to a maximum of €200.
Taxes
Premiums paid are subject to a 2 % tax.
The policyholder is not entitled to any tax relief on the premiums paid.
From 1 January 2026, a 10 % tax will be applied to capital gains realised on certain financial products, in particular upon surrender or redemption of the capital of certain life insurance policies while the insured person is still alive.
For further information, please see the FAQ – Capital gains tax section.
Documents
Happy Life
Costs
Pursuant to the Royal Decree of 10 April 2025, which came into force on 1 January 2026, Monument Assurance Belgium is required to publish the costs of third-pillar products.
- Entry costs
-
3.5 %
This is the maximum cost calculated on all net premiums paid.
- Recurring costs
-
1.11 %
Management fees are deducted daily from the net asset value of the internal fund.
Occasional charges
Any withdrawal made by the policyholder during the first four years of their policy is subject to a charge equal to 0.10 % per remaining month, including the month of withdrawal, until the end of this period.
The cost of the “periodic annuities” and “minimum death benefit” cover is 1.95 % per year. It is calculated and deducted monthly from the reserve of Happy Life insurance policies.
Taxes
Premiums paid are subject to a 2 % tax.
The policyholder is not entitled to any tax relief on the premiums paid.
The policy is not subject to capital gains tax.
Surrender request
For any surrender request, please send your request:
- by email to life.be@monumentinsurance.com ;
- by post to Monument Assurance Belgium SA, Boîte postale 80200, 1070 Anderlecht.