A life insurance policy pays out a capital sum that can be spent freely, while a credit balance insurance is specifically intended to repay a loan.
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Death benefit insurance
With a death benefit insurance, you protect your family against financial uncertainty in the event of your unexpected death. Losing a partner or parent is emotionally difficult, but it can also have financial consequences. Consider ongoing loans, family expenses, or financing a home.
With a lideath benefit insurance, your beneficiaries receive a predetermined sum when you pass away. This ensures that your partner and children remain financially protected and are able to continue covering important expenses. At Van Dessel, we work with you to find the solution that best suits your family situation and financial planning.
What is a death benefit insurance?
A ldeath benefit insurance is a type of insurance in which a predetermined sum is paid out to your beneficiaries if you pass away during the policy term.
This capital can be used to cover financial obligations, such as a mortgage loan, household expenses, or children's education costs. death benefit insurance is often taken out in combination with a mortgage loan, but it can also serve as general financial protection for your family.
You choose the insured amount and the duration yourself. This way, you determine how much protection your family receives and how long the insurance lasts.span>
What are the benefits?
Covers the loss of your income, so your family remains financially protected.
Covers outstanding debts, such as a mortgage loan or other credits.
Covers important family expenses, such as raising and educating children.
Covers financial uncertainty for your partner, allowing him or her to maintain their standard of living.
Who is this insurance for?
A death benefit insurance is relevant for anyone who carries financial responsibility towards others.
This insurance is particularly interesting for:
- Families with children
- Couples with a joint home or loan
- Single people with financial obligations
- Parents who want to protect their children's future
Even if you are self-employed or have your own business, a death benefit insurance can be important to protect your family's financial security.
What is covered and what is not?
What is covered?
- Payment of the insured capital in the event of death during the policy term
- Payment of the insured capital in the event of death during the policy term
- Death resulting from an accident
What is not covered?
- Death by suicide during the initial exclusion period of the policy
- Death resulting from intentional acts
- Death occurring during high-risk activities that are not covered by the policy
How much does this insurance cost?
The premium of a death benefit insurance depends on several factors, including:
- Your age
- Your health status
- Any smoking habits
- The insured amount
- The chosen duration
- Any additional coverage
The younger you are when you take out the insurance, the lower the premium typically is. In many cases, the premium can remain fixed throughout the entire term of the policy.
A Van Dessel advisor will help you determine the right insured amount and compare different options.
Stories from our customers
Groep Steylaerts
Patrick Steylaerts: “Wij hebben het volste vertrouwen in onze verzekeringspartner Van Dessel.”
Germo bvba
Bram Gers: "Vooral het maatwerk is de reden waarom ik met Van Dessel in zee ben gegaan."
Van Wellen Group
Tom Bolsens: "We waren verrast dat er uit zo'n kleine hoek dreiging kon komen."
Our promise to you
Personal & involved
a tailor-made partner
We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.
Expertise & experience
already 80 years in insurance
Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.
Customization & innovation
beyond standard insurance
No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.
Would you like to receive a quote?
Do you want to know which life insurance policy best suits your family and financial situation?
The specialists at Van Dessel will guide you step by step. We analyze your situation, determine the right insured amount together, and compare different insurance solutions.
This way, you can be sure that your family remains financially protected, whatever happens.
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