Sustainability policy

1. POLICIES ON SUSTAINABILITY RISKS
In accordance with the Sustainable Financial Disclosure Regulation (“SFDR”), our firm takes sustainability risks into account when advising on insurance with an investment component, insofar as this information is made available by the insurance company.

The SFDR has defined sustainability risk as “an environmental (E), social (S) or governance (G) event or circumstance that, if it occurs, could cause an actual or potential material adverse effect on the value of the investment.

In the context of advice for insurance with an investment component, the remuneration policy, applicable in our firm, does not encourage excessive risk-taking related to sustainability risks.

2. ADVERSE EFFECTS ON SUSTAINABILITY FACTORS

The SFDR has defined sustainability factors as “environmental, social and employment issues, respect for human rights, and combating corruption and bribery.

The legal framework regarding sustainability factors and adverse effects of investment decisions on sustainability factors is currently incomplete and thus will evolve in the coming months and years.

Therefore, our office does not currently consider the adverse effects of investment decisions on sustainability factors in its insurance advice for insurance policies with an investment component.

Our office will review this policy as the legal framework is further developed.