Life cover pays your loved ones a fixed amount if you die within the term. We advise on your 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. Decreasing cover is cheaper. Level cover protects your income. You work out the right amount together, including who receives the payout. The amount takes into account your survivor's pension and Anw payment, the Dutch state survivor benefit. For recent arrivals, we first check which of these benefits apply. 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. With crosswise cover, you pay the premium on your partner's life yourself. The payout then often stays outside Dutch inheritance tax.
Foreign policies don't always cover a Dutch life. What travels with you, checked for you.
Your advisor looks 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.
We compare premiums and cover shapes across insurers for you.
You get help with the health declaration and with setting up the payout.
Your advisor completes the advice. Our associated company A&H Finance then arranges the insurance and takes it out with you. Your advisor reviews your cover with you when your life changes.
“Nobody likes this subject. That's exactly why it should be arranged well, and then put away.”
Kim van der Bijl
Your advisor
A real person looks at your mortgage, family and future, and treats the subject with care.
We give the insurance advice. The application and closing run through our associated company. Do you have a complaint about the advice? Raise it with us first. If we cannot agree, you can take it to Kifid, the Dutch financial complaints body. A Kifid ruling is binding.
Quick questions welcome
The premium goes to the insurer.
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, added to single or partner cover.
Your premium is set by the insurer and depends on your age, health and cover.
Your advisor goes through what fits your situation in the first talk.
Life cover arranged alongside your mortgage. 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? We arrange your cover alongside it.
Super service from start to finish. I can recommend it to anyone who has moved abroad. All questions are answered almost immediately and the collaboration was very pleasant.
Great support all around, very flexible and suypportive in explaining the whole process.
Excellent customer service, quick response time, friendly, professional. Fair fees for the service provided. Highly recommended.
Book your free call. You'll get a clear picture of what your family needs, set up with care.
What's included
Mortgage and life cover in one conversation
Tax-smart payout setup
A reply within one working day
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