The ideal amount depends on your family situation, income, existing loans, and future expenses. People often choose an amount that can replace several years of income or pay off a mortgage.
Solutions
Death benefit insurance
What happens to your family if you pass away unexpectedly? A life insurance policy provides financial protection for your loved ones at a time when security is needed most. With a tailored solution from Van Dessel, you ensure that your loved ones can continue financially secure, no matter what the future holds.
What is a death benefit insurance?
A death benefit insurance is a life insurance policy that pays out a predetermined sum to your beneficiaries if you die during the term of the contract.
This sum can be used to cover financial burdens, such as a mortgage, tuition fees, or maintaining your family's standard of living. You choose the insured amount and the term, tailored to your personal situation.
What are the benefits?
Covers your family's financial protection in the event of unexpected death.
Covers the repayment of ongoing loans such as a mortgage.
Covers the maintenance of your dependents' standard of living.
Enjoy peace of mind thanks to a solution tailored to your situation.
Who is this insurance for?
A death benefit insurance policy is relevant for anyone who holds financial responsibility for others, such as:
- Families with children
- People with an ongoing mortgage
- Single individuals who want to protect their loved ones
- Cohabitants or married couples who wish to support their partner
Even if you don’t have children, a life insurance policy can be worthwhile to prevent financial obligations from falling to others. Self-employed individuals often choose an IPT life insurance, where the financial security for survivors is arranged via a policy paid by their company.
What is covered and what is not?
What is covered?
- Payment of the agreed sum assured in the event of death
- Free choice of beneficiaries (who receives the sum assured)
- Cover for the entire term of the policy
- Option to link the policy to a loan
What is not covered?
- Death outside the terms of the contract (e.g. in the event of fraud)
- Non-payment of premiums
- Certain exclusions, such as death in specific high-risk situations (depending on the policy)
- Accumulation of a savings component (in the case of pure life assurance policies)
How much does this insurance cost?
The premium for adeath benefit insurance policy is determined based on several personal factors:
- Your age
- Your health and lifestyle (for example, smoking)
- The insured amount
- The duration of the insurance
- The chosen plan (fixed or decreasing sum)
The younger and healthier you are at the start, the lower the premium usually is.
"Thank you for the excellent support during my claim." The J. family from Berchem
Family J. from Berchem
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a tailor-made partner
Everyone has different circumstances, plans and priorities. That's why we start by listening to your story. Whether it's your home, family, mobility or financial future, we provide advice tailored to what matters most to you.
Expertise & experience
already 80 years in insurance
With more than 80 years of experience, we help you make the right choices in an increasingly complex insurance market. Our specialists analyse your needs and provide clear, independent advice, so you can look ahead with confidence.
Security & peace of mind
protection for today and tomorrow
We look beyond individual insurance policies and provide protection that evolves with your life. If the unexpected happens, you can count on a trusted partner to guide you from claim to solution.
Would you like to receive a quote?
Would you like to financially protect your family with a tailor-made life insurance policy?
Our specialists analyze your situation and advise you on the right amount of coverage and the ideal term. This way, you can be sure of a solution that truly fits your life.
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