تعدّ تغطية التأمين ضد مخاطر الوفاة أمرًا ضروريًا لسكان دلفت، حيث توفر حماية مالية لعائلاتهم في حالة الوفاة غير المتوقعة. في هذا المقال، سنستعرض قانون التأمين الهولندي وتطبيقه على تغطية التأمين ضد مخاطر الوفاة في مدينة دلفت. يعتبر هذا النوع من التأمين ضمانًا لضمان مستوى معيشي لائق للعائلات في حالة فقدان العائل.

Insurance for Death Risk: Financial Security for Dependents

What is a Death Risk Insurance?

A death risk insurance (DRI), also known as Overlijdensrisicoverzekering in Dutch, is an insurance policy that provides financial protection to dependents in the event of the insured person's unexpected death. The insurance company pays a predetermined amount to the beneficiaries, usually the partner or children. This money can be used to cover daily expenses, debt repayment, or maintaining the standard of living.

Unlike a funeral insurance, a DRI focuses on providing broader financial support. It is particularly useful for people with a mortgage, family, or dependents. The premium depends on age, health, lifestyle, and policy term. A DRI is usually temporary, for example, until the mortgage is paid off or the children reach adulthood.

Why Do You Need a Death Risk Insurance?

Without a DRI, dependents may face financial difficulties. For instance, if you have a partner and two children, and a mortgage of €300,000, the monthly expenses often still need to be paid, while there is only one income left. Pensions or savings are not always sufficient.

The DRI prevents this by providing a one-time payment, for example, €250,000 for mortgage repayment. It is not a luxury, but a necessity for:

Families with young children.
Partners with unequal incomes.
Entrepreneurs or self-employed individuals without replacement income.

In the Netherlands, many people take out a DRI when taking out a mortgage, as banks sometimes require it. But even without a mortgage, it provides peace of mind.

When to Take Out a DRI?

The best times are:

When buying a house with a mortgage.
After the birth of a child.
In the event of a divorce or new relationship, to protect the other partner.
If your income is the only source for the family.

Choose a term that matches your risks, such as 20-30 years until the children finish studying or the mortgage ends. Do not take out a policy too early if your health deteriorates, as premiums increase with age and risks.

How Does a Death Risk Insurance Work?

Step 1: Application and Underwriting

Fill out a health declaration. The insurance company may require a medical examination, especially for higher amounts. If you smoke or have chronic conditions, you will pay more or receive an exclusion.

Step 2: Premium and Coverage

Calculate the required sum: add up the mortgage, monthly expenses, and future expenditures. Choose linear decreasing (amount decreases with mortgage repayment) or constant (fixed sum). Premiums are tax-deductible for mortgage-related DRIs.

Step 3: Payout

If the insured person dies within the term, the insurance company pays out within weeks. You appoint beneficiaries in the policy, so the money goes directly without inheritance proceedings.

Step 4: End of Policy

If the term ends without a claim, the premium payment stops. You can renew or convert to a lifelong variant.

Costs and Fiscal Benefits

Premiums vary from €10-€50 per month for average coverage. If you are young and healthy, it is cheap. Smokers or people over 50 pay more. Compare conditions: pay attention to medical underwriting, indexation (adjustment to inflation), and notice periods.

Fiscal benefits: For mortgage-related DRIs, you can deduct premiums from taxes. This reduces the net costs. Check with the Tax Administration whether your policy qualifies.

Practical Tips for Taking Out a DRI

1. Calculate your needs: Make a budget overview. How much do you need for 5-10 years of income? Use online calculation tools from comparison websites.

2. Compare providers: Look at premium, acceptance conditions, and customer reviews. Choose flexible policies with the option to adjust.

3. Involve your partner: Discuss who is the beneficiary and whether mutual coverage is necessary.

4. Combine with other insurances: Link to death benefits from pension or savings.

5. Check annually: Adjust to life changes, such as a new job or child.

6. If health is an issue: Consider a DRI without underwriting (more expensive) or a group policy through your employer.

Common Mistakes to Avoid

Underinsurance: Low coverage does not help with high mortgages.
Not appointing beneficiaries: Money goes to heirs according to the law.
Forgetting to report: Changes in health? Report immediately.
Automatic renewal: Check if it still fits.

Conclusion: Invest in Peace of Mind

A death risk insurance is affordable security for your loved ones. It prevents financial stress in difficult times. Start today with a needs analysis and compare options. This way, you leave not only memories but also stability behind. Consult an advisor for personal advice – it is a one-time effort for lifelong peace of mind.