GoedIdee Overlijdensrisicoverzekering
#Life insurance for expats
Life insurance
Moving to a new country is exciting but it also comes with important responsibilities. If you are living and working in the Netherlands as an expat, it’s essential to make sure your loved ones are financially protected. An Overlijdensrisicoverzekering (ORV) is the Dutch term for life insurance. It pays out a pre-agreed amount to your beneficiaries if you pass away during the insured term. This financial support can help cover: mortgage or rent payments, daily living expenses, children’s education, loans and other liabilities and business-related financial commitments.
The GoedIdee Overlijdensrisicoverzekering is specifically suitable for international professionals and families living in the Netherlands. It combines flexibility, transparency, and expat-friendly features.
- Worldwide coverage
- Premium deposit refund upon early termination
- Clear and transparent conditions
- Premium reductions for new and existing customers
- Family Arranged coverage
- Terminal illness coverage
Who We Are
Dazure is a Dutch financial services provider specialized in simple, fair, and transparent life insurance solutions. We focus on clarity, customer-friendly conditions, and long-term security.
We are the provider of the GoedIdee Overlijdensrisicoverzekering, a flexible and affordable term life insurance product designed to protect families and partners against financial hardship in the event of death.
The family benchmark is our yardstick when developing a new product. We always ask ourselves: would we offer this insurance to our own family and close friends?
Why Choose the GoedIdee Overlijdensrisicoverzekering?
✔ Flexible policy term, Choose a coverage period that matches your mortgage or financial planning horizon.
✔ Competitive premiums, Affordable rates without unnecessary complexity.
✔ Non-Smoker Discount, If the insured has not smoked for at least 2 years, they receive a discount on the premium, making life insurance even more affordable.
✔ Option to Increase Coverage, After the first year of insurance, you can increase your coverage without needing to undergo a new health assessment. This option allows you to raise your insured amount annually, up to double the initial insured amount.
✔ Premium Deposit Fund, This policy includes a premium deposit account where excess premiums are saved. This balance helps to offset the increasing premiums as the insured ages, ensuring that premiums remain affordable over time. Plus, the balance in this account can be used for premium-free insurance at a lower insured amount, if necessary.
✔ Worldwide Coverage, You are insured wherever you go, unless otherwise stated in the policy.
✔ Annual Review for Premium Reduction, Each year, we review the premium to see if we can lower it based on current health trends, market developments, and the overall risk profile. The premium can never increase, and if we find a way to lower it, you benefit from this reduction.
Read further explanation in the terms and conditions.
Who can apply?
In general, you may apply if you:
• Have legal residence status
• Meet the applicable age requirements
• Have income that supports the insured amount
Acceptance is subject to underwriting and a medical assessment.
Interested?
We recommend speaking with your financial adviser for personal advice tailored to your situation.
Review here the full terms and conditions to understand the details of your insurance.
Would you like to receive more information or a quotation? Contact us to explore your options.
