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In 2021, the investments of Dutch households in life insurance and pension schemes were worth approximately 1,456 euros per capita. The life branch of insurances focuses on life insurance, pensions, and funeral-in-kind insurance and reached a market share of life insurance business in terms of gross premium, the ratio of gross life insurance premium to the total gross premium, of approximately 76 percent in Belgium in 2005. This, however, decreased to approximately 59 percent in 2015. This development coincides with the European Central Bank purchasing assets on credit markets across Europe and, consequently, low interest rates in long-term investments, such as the capital market rate of ten-year government bonds in Belgium.