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The inquiry asks whether the economic benefits of dependency insurance can be accessed in exceptional circumstances, such as serious illness, long-term unemployment, or based on the duration of premium payments. The Directorate-General for Insurance and Pension Funds (DGSFP) confirms this is possible under conditions similar to pension plans, provided it is explicitly stated in the policy.
This clarification provides legal certainty for policyholders regarding the early liquidity of dependency insurance benefits under specific hardship scenarios.
The tax team reviews your specific situation.
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