will

Whenever you request a cash surrender, the insurance company will send you a settlement form on which you can indicate your choice.This choice is valid for the entire tax year. Any revocation will take effect only for the following year.

). If you choose this option, you must report the capital gains received on your tax return. In this case, you must notify your insurance company, which will not withhold the tax when the principal is paid out. For both options, the insurance company will issue an annual tax statement. For 2026, there is a transitional arrangement. Until September 1, 2026, no withholding tax will be applied (opt-out system) unless the policyholder objects in writing.

, mobile website, or mobile application related or connected thereto (collectively, the "Site") to help customise the Site and improve your experience. We reserve the right to make changes to this Cookie Policy at any time. We will alert you about these changes by updating the "Last Updated" date of this Cookie Policy. Any changes or modifications will be effective immediately. We encourage you to periodically review this Cookie Policy to remain informed of any updates. 2 Definition of cookies

, mobile website, or mobile application related or connected thereto (collectively, the "Site") to help customise the Site and improve your experience. We reserve the right to make changes to this Cookie Policy at any time. We will alert you about these changes by updating the "Last Updated" date of this Cookie Policy. Any changes or modifications will be effective immediately. We encourage you to periodically review this Cookie Policy to remain informed of any updates. 2 Definition of cookies

to withholding tax on interest income, no capital gains tax will apply. This capital gains tax does not apply to second- and third-pillar insurance contracts (group insurance, individual pension commitments, CPTI, PLCI, pension savings insurance, and

and the ways in which we interact, including when you visit our websites. We may update this notice. We will notify you of any changes to this notice by posting an update on our websites. In specific situations where governed by applicable data protection laws and regulations, we will seek your consent before making significant changes to the way we process your personal data previously collected from you. Third party websites that you may access through our websites are not covered by this

their own personal interests with or against the interests of the Company. Such behaviour will not be tolerated and any staff member who acts outside the agreed-upon values may be subject to disciplinary action. 1.2.3 This Policy is designed to ensure... informed clearly when the steps taken to manage conflicts of interest are not sufficient to ensure, with reasonable confidence, that his interests will not be adversely affected. Management of Conflicts of Interest 5.1 Prevention 5.1.1 The Company maintains

sustainability, social responsibility and responsible corporate governance. At MAB, we will continue to manage our products and services responsibly, manage ESG risks and collaborate with our stakeholders to create a long-term positive impact. We recognise.... Monument Assurance Belgium will remain faithful to its policies and commitments, this principle remaining unchanged even in the event of a conflict of interest that may arise between Monument Assurance Belgium and a company with significant

2022. His replacement will take over the role of Chief Risk Officer, having hierarchical responsibility over the risk management function, the compliance function, and the Data Protection Officer. The Chief Risk Officer is also the “personne-relais... investment is managed into Monument ICAV and will be further restructured to match the target strategies of the different sub-funds of the ICAV installed by Monument Re in 2019. The asset side of the balance sheet also shows a large position in

in accordance with MAB’s desire to move to the target asset allocation which will continue in 2026. The economic own funds of MAB decreased over the period 2024-2025 from €386,4m to € 338,6m. The main drivers for reduction in eligible own funds are.... This evolution is in accordance with MAB’s desire to move to the target asset allocation, which will continue in 2026. On the liability side, the technical provisions were marked by the successful migration of the Contassur portfolio. We also note that

prudent management action had positive impact on the solvency ratio of the company but will temporarily reduce future financial earnings with tangible impact expected in 2024. Under Belgian norms, the financial year 2023 is positive with a strong bottom... the establishment of a Risk and Compliance Committee, a local remuneration committee will be established in due course. Overall, the Company ended the year with a SCR ratio of 378% which is a significant increase compared to the end of year of 2022

staff into Monument. Provided that the portfolio was officially acquired on 15 December 2021, the integration will be a primary attention point in 2022; and, ▪ The Work from Home Policy was applicable over 2021 in order to guarantee business continuity... Audit Committee will be introduced to MAB. Further details of the Company’s system of governance are provided below in Section B. System of Governance. st Solvency and Financial Condition Report 31 December 2021 Page 15 of 77 Monument Group: PUBLIC

government bonds towards corporate bonds. This operation will enhance future recurring earnings and offset the opposite operation that occurred end of 2023. The toneless real-estate market in Belgium since the recovery of interest rate in 2022