Term life insurance in the Netherlands: what it costs
Term life insurance in the Netherlands, called an overlijdensrisicoverzekering or ORV, pays out a fixed amount if you die before the policy ends. It builds no savings and pays nothing if you outlive the term, which keeps the premium low.
In our calculations with one insurer (Centraal Beheer, 13 August 2026), a 35-year-old non-smoker paid € 16.74 a month for € 250,000 of level cover over 30 years. A smoker paid € 39.96, and decreasing cover € 6.49. Other insurers charge different rates. Here is where those differences come from, in plain English.
Term life insurance in the Netherlands is called an overlijdensrisicoverzekering or ORV. In our calculations with one insurer on 13 August 2026, it cost between about € 6 and € 40 a month. Your age and whether you smoke matter most, then the sum insured, the term and whether cover stays level or decreases. Decreasing cover is roughly 60% cheaper than level cover. On top come a one-off setup fee (€ 45 to € 70 on 13 August 2026), sometimes monthly administration costs, and an advice or website fee depending on how you buy. There is no insurance premium tax. Besides your own choices, the insurer you pick makes a large difference. In one worked example by comparison site Independer (9 January 2026: two non-smokers aged 30, € 200,000 level cover over 30 years), the highest comparison premium was 54% above the lowest. Term life insurance pays out if you die before the end date, with a few exclusions such as suicide in the first two years. If you outlive it, your cover ends with nothing paid back.
What is term life insurance in the Netherlands and how does it work?
An overlijdensrisicoverzekering pays out a fixed amount if you die before the policy ends. It builds no savings and pays nothing if you outlive the term, which is exactly why it is cheap. Dutch people usually take one out alongside a mortgage, but you do not need a mortgage to buy one.
If you live in the Netherlands with a partner or children, the question is simply whether their life would still work financially without your income. Rent or mortgage payments continue, childcare continues, and the Dutch state provides less for surviving partners than many newcomers expect. The state survivor benefit, Anw, only applies in specific situations.
Two things confuse almost every international here. This is not a uitvaartverzekering, which is a small funeral policy that pays for the funeral itself. And it is not the same as a partner's pension you may have through a Dutch employer, which usually stops shortly after you leave that job. Those are separate arrangements, and we look at both before advising you to buy anything.
How much does € 250,000 of term life insurance cost per month in the Netherlands?
Below are eight profiles we calculated on 13 August 2026 with one Dutch insurer, Centraal Beheer. One insured person, fixed premium, policy starting 1 September 2026, and always € 250,000 of cover over 30 years unless the row says otherwise. Only one thing changes per row, so you can see what each choice actually does to the price.
| Situation | Cover | Per month |
|---|---|---|
| Age 30, non-smoker | level | € 10.93 € 3,935 total |
| Age 35, non-smoker | level | € 16.74 € 6,026 total |
| Age 40, non-smoker | level | € 28.82 € 10,375 total |
| Age 45, non-smoker (25 years) | level | € 38.52 € 11,556 total |
| Age 35, smoker | level | € 39.96 € 14,386 total |
| Age 35, non-smoker | linear decreasing | € 6.49 € 1,947 total |
| Age 35, non-smoker | annuity decreasing (3%) | € 7.50 € 2,250 total |
| Age 35, non-smoker (€ 400,000) | level | € 29.84 € 10,742 total |
Read this as a set of ratios rather than a price list. These are one insurer's rates on one day, and insurers change them whenever they like. What holds is the direction: every one of these choices moves the premium further than people expect.
Want to know what this means for you?
Tell us about your situation and we will tell you where you stand and what could be better. If everything is in order, we will tell you that too.
How much more do smokers pay for term life insurance in the Netherlands?
Smoking is by far the most expensive factor in Dutch term life insurance. For the same 35-year-old with the same € 250,000 of cover, the premium goes from € 16.74 to € 39.96 a month. That is 2.4 times as much, and more than € 8,300 extra over a thirty-year term.
Dutch insurers define smoking more broadly than most people assume. Cigarettes and rolling tobacco count, but so do vapes, e-cigarettes, shisha, cannabis and even nicotine gum or patches, and the question covers the past two years. Answering it inaccurately is serious: the insurer can reduce the payout or void the policy entirely, at the moment your family needs it.
If you have quit, that becomes worth money after two smoke-free years. Most insurers will move you to the non-smoker rate, but it does not happen automatically. You have to ask, and sometimes provide a declaration or a test. It is one of the first things we check on any policy that is already running.
What is the difference between level and decreasing term life insurance?
Decreasing cover is roughly 60% cheaper than level cover. In our calculation: € 6.49 a month for linear decreasing or € 7.50 for annuity decreasing, against € 16.74 for level cover, all starting at € 250,000 over the same thirty years.
That gap is not a discount, it is less insurance. With decreasing cover the sum insured falls every year in step with a mortgage balance, so in year 25 it pays out far less than in year 1. If you have a Dutch annuity or linear mortgage, that fits neatly, because your debt falls too. If you have an interest-only mortgage, or no mortgage at all, it does not fit: your obligations stay flat while your cover drains away.
So the choice follows what you are protecting. Covering a shrinking mortgage means decreasing cover usually does the job. Replacing income for a surviving partner, or leaving something for children after the mortgage is gone, calls for level cover. We calculate both and put the monthly figures side by side, so you can see exactly what that extra € 10 a month buys.
How much do term life insurance prices differ between Dutch insurers?
Besides your own choices, the insurer you pick makes a large difference. In a worked example published by comparison site Independer (updated 9 January 2026) for two non-smokers aged 30 with € 200,000 of level cover over 30 years, the comparison premium ranged from € 3,776.99 at Nationale-Nederlanden to € 5,821.80 at Centraal Beheer.
That is € 2,045 apart, or 54% more, for identical cover and identical risk. Chubb Life, Allianz, Dazure and Scildon sat in between. Note that this is the comparison premium, which accounts for inflation and variable premiums so insurers can be judged fairly rather than on headline monthly price alone.
This is also why it pays to compare the policy your mortgage lender offers with other insurers, because prices for identical cover can differ considerably. In the Netherlands you are free to buy term life cover from any insurer you like, regardless of who lends you the money, and staying independent means you are not tied to that lender if you refinance later. Because we are an independent broker, we compare premiums across insurers rather than selling whatever comes bundled with the mortgage.
Not sure your cover is right?
Half an hour is usually enough to see whether something is missing. No obligation, and without having to switch anything.
What other costs come with term life insurance besides the premium?
On top of the monthly premium you pay a one-off setup fee. It varies per insurer: on 13 August 2026 Nationale-Nederlanden charged € 45 for closing online without advice, Centraal Beheer € 59, and Allianz € 70 plus € 2 a month in administration costs. Buy through a comparison website and their own fee is added; Independer charges € 195 for that.
You pay no insurance premium tax. Term life insurance counts as life insurance, which is exempt under article 24 of the Dutch Wet op belastingen van rechtsverkeer. Your contents and liability policies carry 21% insurance premium tax; this one carries none.
There is one Dutch tax trap worth knowing about, and it catches internationals often. If the policy is set up so that you pay the premium on your partner's life and your partner pays on yours, called kruislings verzekeren, the payout usually falls outside Dutch inheritance tax, provided each partner pays the premium from their own money. Set up the ordinary way, a share of the money can go to the tax authorities instead of your family. It is a detail at signing that is worth thousands later, and it works differently again if you are married in a Dutch community of property.
Do I need a medical exam, and does my nationality matter?
For most amounts you fill in a health declaration rather than seeing a doctor. Above € 352,200 of total cover a medical check is usually added from age 50, and from around € 750,000 a more extensive one for everyone.
What can complicate things is paperwork rather than risk. The insurers we checked want a Dutch address, one also a Dutch bank account, and some ask about long stays abroad or plans to move away. If you expect to leave the Netherlands within a few years, say so at the outset, because it affects which insurers are suitable and whether the policy keeps paying out once you have left.
Whether the health declaration itself is available in English differs per insurer, and answering it precisely matters more than answering it quickly. We go through it with you in English so that nothing is misunderstood, because an inaccurate answer is the one thing that reliably breaks a life insurance claim.
When does term life insurance in the Netherlands not pay out?
Term life insurance pays out if you die during the term, including from illness or an ordinary accident. The conditions exclude some deaths, such as suicide within the first two years and certain war-related deaths. If you outlive the end date, you get nothing back.
- Suicide within two years of the start date pays nothing. Afterwards, it is covered. After a cover increase, a suicide within two years of the increase pays only the amount from before it. Euthanasia in line with Dutch law is covered.
- Depending on the insurer, there is no payout for death through acts of war while serving in a non-Dutch army, combat as a soldier on war or humanitarian missions, or armed conflict, civil war or civil unrest.
- War in the Netherlands can reduce the payout by 10%. Terrorism can mean a lower payout.
- At iptiQ, an aircraft accident is excluded, unless, for example, the insured was a passenger, regular flying crew (not as a test pilot) or a civilian pilot legally entitled to fly.
- A beneficiary who caused your death, through a crime or on purpose, loses the claim; at Nationale-Nederlanden this requires a conviction. Incorrect health statements can prevent payment or end the policy. At Nationale-Nederlanden, an incorrect non-smoker declaration, or starting to smoke again without reporting it, means no payout or a sum insured that is 25% lower.
If you outlive the term, your policy ends without value. At iptiQ, Cardif and Chubb there is no profit-sharing, and the policy cannot be made paid-up. One insurer offers terms of 5 to 57 years. At iptiQ, Cardif and Chubb, cover ends no later than the first day of the month you turn 85. At Nationale-Nederlanden and Dazure, the end date can be no later than age 75.
This is based on Nationale-Nederlanden conditions 2427 (January 2026) and iptiQ's English policy conditions 09-2024, and other insurers can word this differently, which is why we read the conditions before you apply.
What do internationals ask us about term life insurance in the Netherlands?
These questions come from our own English-speaking clients, in their own words where we could. Many of them are about living outside the Netherlands, now or later.
Is Dutch residence only required when the policy starts, or for the full term?
At the start, usually yes. The insurers we checked want you to live in the Netherlands when the policy starts, and one requires both the policyholder and the insured person to live in the Netherlands and have a Dutch bank account when the policy is taken out. For the rest of the term it depends on the insurer, which is the next question.
I want to avoid a policy that becomes useless when we deregister from the Netherlands. Is that possible?
Yes, if you choose the insurer with that in mind at the start. At several insurers the cover applies anywhere in the world and moving away is not a reason for the policy to end; you report the move within one month. At another, the policy can continue after a move, but only if the premium can still be collected from a Dutch bank account. At another, the cover ends if the insured person moves permanently outside the EEA, Switzerland, the UK or the Caribbean part of the Kingdom. Either way, plan to keep a Dutch or European bank account (one insurer requires a Dutch one) for as long as the policy runs. What happens to your other Dutch policies when you leave is on insurance when moving abroad.
Can my beneficiaries live outside the Netherlands, and can the payout go to them there?
Yes. You choose the beneficiary yourself, and the conditions we have read set no rule about where that person lives. The limit is the bank account: several insurers pay out only to an account in the Netherlands or another EU country, in euros, and another to an account in the SEPA area. Tax on the payout, including tax in another country, is for the policyholder or the beneficiary to report and pay. Make sure your beneficiaries know the policy exists and with which insurer, because the payout starts when someone reports the death, with the policy number and a death certificate. One insurer wants that report within four months, others within five years.
I need standalone term life insurance, not linked to a mortgage. I rent. Can I take level cover for just 5 or 10 years?
Yes. You do not need a mortgage to take out term life insurance. Without a mortgage, level cover usually fits, because your family's needs do not fall the way a mortgage balance does. Level cover for 5 or 10 years is possible: at one insurer, the term can run from 5 to 57 years. A shorter term lowers the premium, because the later years, when you are older, are the most expensive to insure. Extending the term later is not a right: in the conditions we have read it needs a new medical assessment and the insurer's agreement. If you might buy a home later, the policies whose conditions we have read can be pledged to a mortgage lender at that point.
How much cover do we need if my partner could keep paying part of the mortgage?
Start from what your partner and children would need without your income: housing costs, childcare, living costs, and for how many years. Then subtract what is already there: a partner's pension through your employer (which usually stops shortly after you leave that job), the Dutch Anw survivor benefit (which only applies in specific situations), and your savings and investments. If your partner could keep paying part of the housing costs, the gap is smaller than the full mortgage. We work out the gap with you and show you the options.
What is the right policyholder and beneficiary structure for an unmarried couple?
The usual structure is cross-insurance (kruislings verzekeren): your partner is the policyholder and beneficiary on your life, and pays the premium from their own money; you do the same on your partner's life. This usually keeps the payout outside Dutch inheritance tax, but only if the premium really comes from the partner's own money. Premiums paid from a joint account or a Dutch community of property can undo this. An unmarried partner who is not in a registered partnership only counts as a partner for Dutch inheritance tax under specific conditions, such as a notarial cohabitation agreement with a mutual duty of care, or five years registered at the same address (see the section on large amounts below). If one partner earns all the income, as in a single-earner marriage, the premium still has to come from the policyholder's own money, so this needs a deliberate set-up. We check it before you sign, with a tax adviser where needed.
Do insurers accept a non-EU national on a temporary permit, and can the health declaration be completed in English?
Whether an insurer accepts your residence permit, we check per insurer before you apply. Whether you can complete the health declaration in English differs per insurer: one insurer offers explanation of its online health declaration, and phone contact, in English, while another corresponds only in Dutch. We go through the declaration with you in English and guide you through the medical part of the application.
I had cancer a few years ago and have been all clear since. Can I still get cover?
The Dutch clean slate scheme (schone lei) can mean you no longer have to report it: after ten years in full remission (five if you were under 21 at diagnosis, shorter for some types), provided the total cover stays below € 352,200 and the policy ends before your 71st birthday. Lasting health effects of the treatment must still be reported. If the clean slate does not apply yet, the insurer's medical adviser decides: acceptance at the normal premium, acceptance with a premium surcharge (temporary or permanent), acceptance with an exclusion, or refusal. The insurers we asked do not assess a file before a real application, so the route is to apply. If a medical examination is needed, you see the result first and may stop it from being passed to the insurer. If an insurer declines, a specialised reinsurer can look at the file again.
How do I get term life insurance of € 1 million or more in the Netherlands?
At amounts like this, three things need more attention: how the insurer assesses your health, how much of the payout inheritance tax can take, and how much else you own that needs protecting.
The medical assessment. Dutch law sets a threshold for life insurance, currently € 352,200. Below it an insurer may not ask about the results of genetic testing; above it that is allowed, and from age 50 a medical examination is usually requested. From around € 750,000 the examination is more extensive, whatever your age. Splitting the amount over two policies does not get you under the threshold, because it counts the total cover you take out over a period of three years. The health declaration stays as well, so everything above about answering it precisely applies here too.
Inheritance tax. At this amount the way the policy is set up is worth real money. Under Dutch inheritance tax law a payout on your life counts as inherited, to the extent that the premium was paid from your money. That is what kruislings verzekeren arranges. It only holds if the premium really comes from your partner’s own funds, and that is exactly what a Dutch community of property or premiums paid from a joint account can undo. Unmarried partners also count as partners for this tax only under specific conditions, such as a notarial cohabitation agreement with a mutual duty of care or five years registered at the same address. Someone who does not qualify pays up to 40% on the taxable part. We check this before you sign, and bring in a tax adviser where your situation calls for one.
The rest of your protection. Someone who needs € 1 million of life cover usually has more at stake than a mortgage. So at these amounts we do not stop at the life policy. We also go through your disability cover (an individual AOV, or what your employer arranges), your liability cover, and whether valuables such as jewellery, art or watches are insured for what they are worth.
Because that is more work than a single policy, it has its own fee: a fixed amount we agree with you in writing before we start, based on the work involved and not on the sum insured.
What does the advice cost?
The first meeting is without obligation. We look at what you actually need, which form of cover fits your situation, and what the premiums do across the different insurers. Only if you want to go ahead do we agree on the work and the fee, and we put that in writing beforehand.
If we arrange your mortgage, advice on term life insurance is included as standard, so you do not pay for it separately. The review for cover of € 1 million or more is the exception: it has its own fee. Our mortgage fees are published openly on the tariff page: a fixed amount agreed up front, not a commission that rises with your premium.
If you only want the term life policy, without us arranging your mortgage, that advice costs € 200 for private clients. A statutory commission ban applies here too: the insurer pays us nothing, however expensive the policy. So you know the figure before any work starts, and it does not move with your premium.
That is not a given in this market. Because of the commission ban, we earn nothing extra if you choose a more expensive policy, so we can point you to the cheapest suitable insurer. We advise in English and work throughout the Netherlands from our office in Naarden.
Want to run your own situation past us?
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Frequently asked questions
How much does term life insurance cost in the Netherlands? +
In our calculations with Centraal Beheer on 13 August 2026, premiums ranged from about € 6 to € 40 a month. A non-smoker aged 30 to 35 with € 250,000 of level cover over 30 years paid € 10.93 to € 16.74. Smoking made it 2.4 times as expensive; linear decreasing cover cost about 60% less. Other insurers charge different rates.
Do I need term life insurance for a Dutch mortgage? +
Usually not legally, though lenders can require it when you borrow a high amount relative to the property value. Whether it is wise depends on who would carry the mortgage after your death. You are never obliged to buy it from the lender itself.
Can I get Dutch term life insurance as a foreign national? +
Yes. The insurers we checked want a Dutch address when the policy starts, one also a Dutch bank account, and some ask about extended stays abroad. If you expect to leave the Netherlands within a few years, mention it early, because it determines which insurers are suitable for you.
Why is decreasing cover so much cheaper? +
Because you are buying less insurance. With decreasing cover the sum insured falls every year alongside a mortgage balance, so the insurer carries far less risk over the term. In our calculation linear decreasing cost € 6.49 a month against € 16.74 for level cover, both starting at € 250,000 over thirty years.
Is there tax on the premium or the payout? +
There is no insurance premium tax, because life insurance is exempt under article 24 of the Wet op belastingen van rechtsverkeer. Inheritance tax on the payout depends on how the policy is arranged: with cross-insurance, where each partner pays for the other's life, the payout usually falls outside Dutch inheritance tax, provided each partner pays the premium from their own money.
I'm the only earner and my partner has no income of her own. Does cross-insurance still keep the payout out of inheritance tax? +
Yes, cross-insurance can still keep the payout outside Dutch inheritance tax even if your partner has no income of her own. If you pay the premium your partner owes to the insurer, this counts as a gift to your partner. The gift tax exemption is € 2,769 a year per giver, with no special exemption for partners, and above that amount a gift tax return is due. A Dutch community of property or a joint account can undo this, depending on your marital property regime, so we set this up before you sign, with a tax adviser where needed.
Should I buy from my mortgage lender or separately? +
Not necessarily from your lender. You are free to choose any insurer, and prices for identical cover can differ considerably, so it pays to compare. In Independer's worked example of 9 January 2026, comparison premiums for identical cover were 54% apart. Buying separately also means you are not tied to that lender if you refinance later. We compare premiums across insurers before recommending one.
What does the advice cost at Bouvy Advies? +
The first meeting is without obligation. If we also arrange your mortgage, advice on term life insurance belongs to that process, except the review for large amounts. If you only want the insurance, the advice costs € 200 for private clients. For large amounts, where we also review the rest of your protection, we agree a fixed fee beforehand, based on the work and not on the sum insured. A statutory commission ban applies to term life cover, so we receive nothing from the insurer, however large the policy.
What happens to my policy if we move abroad? +
It depends on the insurer. In the conditions we have read, the cover either continues worldwide after you report the move, or can continue if the premium can still be collected from a Dutch bank account, or ends if the insured person moves permanently outside the EEA, Switzerland, the UK or the Caribbean part of the Kingdom. We check this before you apply, not after you have moved.
If we move abroad later, is the payout still subject to Dutch inheritance tax? +
For a non-Dutch national, usually not once you no longer live in the Netherlands. For a Dutch national who lived here, Dutch inheritance tax can still apply if you die within ten years of leaving. Whether inheritance tax is due abroad depends on the country you then live in, and rules may apply to prevent double taxation if both countries tax the same inheritance. With cross-insurance, the payout usually falls outside Dutch inheritance tax anyway. We check this before you move.
Is the premium fixed for the full term? +
At the insurers we have checked on this point, yes. The premium is fixed for the term. It changes if you change the policy yourself, for example by raising the cover, or if the insured person starts smoking. There is no clause that lets the insurer raise the premium for all policyholders at once.
Can the policy be cancelled at any time without penalty? +
You can stop it at any time, with effect from the next premium date or after a month's notice, depending on the insurer. There is no penalty in the conditions we have read. Most of these policies build no value, so stopping simply ends the cover. One product we read keeps a premium deposit and pays the balance back if you stop early. If the policy is pledged to a mortgage lender, you need the lender's consent. If you cancel within the first month (30 days after acceptance at one insurer), you get the premium back. Taking out a new policy later means a new health declaration at an older age.
Will the insurer ask for proof of need at € 1.5 or 2 million? +
At one insurer, above € 1,500,000 you must show your financial interest in the amount. Large amounts also come with medical checks. Which documents an insurer wants, we check per insurer before you apply.
How much can a partner or child inherit tax-free in the Netherlands? +
In 2026, a qualifying partner can inherit € 828,035 and a child € 26,230 without Dutch inheritance tax. Above these exemptions, partners and children pay 10%, and 20% on a higher part. An unmarried partner only qualifies under conditions, such as a notarial cohabitation agreement with a mutual duty of care plus six months registered at the same address before the death, or five years continuously registered at the same address; otherwise they pay up to 40% on the taxable part. With cross-insurance, the payout usually does not count as inherited, so it does not use up the partner exemption. More on partners, gifts and the ten-year rule: inheritance tax in the Netherlands for expats.
Is a will necessary on top of the policy? +
Not for the policy itself: the payout goes to the beneficiary named on the policy. If you name your heirs as beneficiary, the payout follows how your estate is divided, and then your will does matter. For the rest of what you leave behind, a will is a question for a notary. If the payout goes to your estate through your heirs as beneficiaries and you were the policyholder yourself, Dutch inheritance tax treats it as inherited, so each heir's share counts towards their own exemption and is subject to their own tax rate. With cross-insurance your partner is the policyholder and beneficiary, so the payout goes to them directly.
Is it a good idea to have term life insurance? +
If someone depends on your income or shares your housing costs, usually yes. If nobody depends on your income, usually not. Rent, mortgage payments and childcare continue after a death. The Dutch state survivor benefit, Anw, applies only in specific situations. A partner's pension through a Dutch employer usually stops shortly after you leave that job. In our calculations, premiums ranged from about € 6 to € 40 a month for term life insurance. You do not need a mortgage to take it out.
Do I get my money back if I outlive my life insurance? +
No. If you outlive your term life insurance, the policy ends without a payout and has no value. At Nationale-Nederlanden, you only get premiums back if you cancel within 30 days of acceptance. In all other cases, you get no premiums back. At iptiQ, Cardif and Chubb there is no profit-sharing, and the policy cannot be made paid-up.
What death is not covered by life insurance? +
In the conditions we have read, exclusions include suicide within two years, certain military combat deaths, armed conflict, civil unrest and certain aircraft accidents. Illness and ordinary accidents are covered. Dangerous sports are not on the exclusion lists of the NN and iptiQ conditions we read, apart from iptiQ's exclusion of certain aircraft accidents. A beneficiary who caused your death, through a crime or on purpose, loses the claim; at Nationale-Nederlanden this requires a conviction. Incorrect health statements can prevent payment or end the policy. Under Nationale-Nederlanden's conditions, a claim lapses if relatives do not report the death within five years.
What are the 7 types of life insurance? +
Dutch term life insurance comes as level, linear decreasing or annuity decreasing cover. Level cover fits income replacement, an interest-only mortgage or no mortgage. Decreasing cover fits an annuity or linear mortgage. A two-life policy pays once, at the first death. A uitvaartverzekering pays for the funeral itself. Dutch policies combining death cover with saving or investing also exist, but this page covers term life insurance, which builds no savings.
Who is the best company to get life insurance with? +
No single insurer suits everyone. We compare premiums across Dutch insurers, and conditions differ too. In Independer's worked example dated 9 January 2026, for two non-smokers aged 30 with € 200,000 level cover over 30 years, Nationale-Nederlanden had the lowest comparison premium and Centraal Beheer the highest, 54% apart for identical cover. Reporting deadlines also differ: one insurer wants a death reported within four months, others within five years.
What is the best age to buy life insurance? +
The right moment is when someone starts to depend on your income, such as a partner, a child or a shared home. Younger is cheaper per month. Centraal Beheer's premiums calculated on 13 August 2026 for a non-smoker with € 250,000 level cover over 30 years were € 10.93 a month at age 30, € 16.74 at 35 and € 28.82 at 40. Taking out a new policy later means a new health declaration at an older age.
At what age will life insurance not pay out? +
Term life insurance pays out at any age as long as your death falls before the end date on your policy. Once that date passes, the policy ends without a payout or any value. At iptiQ, Cardif and Chubb, cover ends no later than the first day of the month you turn 85. At Nationale-Nederlanden and Dazure, the end date can be no later than age 75. At one insurer, the term can run from 5 to 57 years. Check the end date on your own policy.
Are these figures still current? +
The premiums on this page were calculated on 13 August 2026 using Centraal Beheer's own quotation tool, and the comparison between insurers comes from an Independer worked example dated 9 January 2026. Insurers adjust their rates regularly, so treat these as indications and have your own premium calculated before buying anything.
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