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Life cover pays your loved ones a fixed amount if you die within the term. We explain the cover in plain English. Our associated company, a separate licensed advice firm, arranges the insurance. We take on the tax that follows. Recently arrived or leaving again? We look at your situation first.
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How it protects
Life insurance pays your loved ones a fixed amount if you die within the policy term. Dutch insurers call this cover an overlijdensrisicoverzekering or ORV for short. The cover can stay level or decrease with your mortgage. We explain both shapes in plain English. You work out the right amount together, including who receives the payout. That includes your survivor's pension and Anw payment, the Dutch state survivor benefit. You also bring in cover you already hold abroad. That protects your family instead of surprising them. The right setup can keep the payout out of your estate.
Most people arrange life cover at one of these moments.
Your lender may ask for cover with the mortgage, fitted to the loan. See our [mortgage advice page](/en/mortgage/mortgage-advice) too.
If your income stops, theirs shouldn't. Cover calculated to match what your family needs.
The policy setup decides who receives what, and what the tax office takes. Worked through with you, and recorded.
Foreign policies don't always cover a Dutch life. What travels with you, checked for you.
We look at your mortgage, your family and any cover you already have. A policy from your home country counts too. You find out whether it covers you here.
You compare premiums and cover shapes across insurers, fitted to your situation.
You get guidance through the health declaration and design the payout structure together.
From here our associated company takes over: they advise on the insurance, arrange it and take it out with you.
Life cover arranged alongside your mortgage and your home insurance. We handle your tax return. Life cover rarely stands alone.
Buying with a mortgage
Arranging your mortgage? Your life cover is fitted to the loan before completion. One conversation, both sorted.
A growing family
Growing your family while we handle your Dutch tax return? Cover arranged at the same time, protected from the first paycheck.
Book your free call. You'll get a clear picture of what your family needs, set up with care.
What's included
Several insurers compared
Advice in English or Dutch
Tax-smart payout setup
One fixed contact from start to finish
The premium goes to the insurer. You get a quote for your advice on request.
For one insured person, your family receives the payout.
For two insured people, you and your partner insure each other.
For decreasing cover with your mortgage, as an alternative to the packages above.
Your premium is set by the insurer and depends on your age, health and cover.
You hear the price for your situation before advice starts.
Being new to The Netherlands, filing my personal tax return was a little daunting. Jessy at taxsavers was an excellent guide and incredibly helpful.
Very good experience: accurate, fast, clear, and friendly. Highly recommended! I found you through Google myself and was helped right away. Thanks for the advice and the help!
Approachable and clear explanations. Definitely recommended if you're not entirely familiar with financial matters yourself.
“Nobody likes this subject. That's exactly why it should be arranged well, and then put away.”
Kim van der Manden
Your advisor
A real person looks at your mortgage, family and future, and treats the subject with care.
Insurance advice is provided by our associated company A&H Finance, where Kim works. They advise you, arrange the insurance and invoice you. Your agreement for this advice is with them and they are responsible for the service. TaxSavers introduces you and is not a party to that agreement. Do you have a complaint about the advice? Raise it with them first. If you do not reach a solution together, you can take it to Kifid. They are registered there and have accepted binding advice, so a Kifid ruling binds them.
Quick questions welcome
