Frequently asked questions

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Insurers

As an insurer, how can we reinsure life insurance with DH Reinsurance?
Any supervised life insurer can reinsure risks with DH Reinsurance. An assignment must made for this at DH Reinsurance.
Do we qualify for an assignment with DH Reinsurance?
DH Reinsurance has an assignment policy for insurers. The presence of a permit, a good governance structure, reliable directors and a good financial position are important criteria for qualifying for an assignment. Feel free to contact us to discuss the possibilities.
We already have a reinsurance contract with another reinsurance company. Can we still do business with DH Reinsurance?
Yes, we will conclude a facultative reinsurance agreement with you. In general, this can be concluded in addition to an obligatory contract.
Does DH Reinsurance have a rating?
DH Reinsurance is a relatively small organization and therefore does not have a rating from one of the well-known rating agencies. DH Reinsurance does have a strong solvency position and uses a solvency ratio of at least 200% for its internal standard. This means that the counterparty risk you run as an insurer is relatively small (comparable to companies with an A rating).

Financial advisors

How can my client qualify for reinsurance via DH Reinsurance?
We are happy to tell you more about our way of working. Please contact us so that we can help you and your customer in the best possible way.
How can I best help my client if they have a medical condition?
You cannot always tell from their appearance whether someone has a medical condition or has been ill. By asking your client if he or she expects the application may not be accepted on medical grounds, you can better estimate which route to take. If there is a medical condition, when you submit the application you can notify the insurance company in advance of the existence of DH Reinsurance. Alternatively, you refer your client to one of our collaborative partners. By doing so, the chance of a rejection or an excessive premium is minimized.

General

What is DH Reinsurance's mission?
We believe that everyone should have access to life insurance, even people with a medical condition. That is why we offer insurers the opportunity to assign to us medical risks that they do not want or cannot insure themselves.
Who are the shareholders of DH Reinsurance?
DH Reinsurance has three Dutch shareholders: a.s.r., Nationale-Nederlanden and Onderlinge 's-Gravenhage. They own a proportional share of the shares.
What is reinsurance?
Taking out life insurance entails a risk for the insurer: the risk that the insurer must pay in the event of death. The insurer can also insure this risk itself. This involves reinsurance.
What is the privacy policy of DH Reinsurance?
We use your data to assess the mortality risk to be insured and, if necessary, to reinsure this risk. We are aware that the files we process contain a lot of privacy-sensitive personal data. We therefore handle this very carefully.
In which countries is DH Reinsurance active?
We are a Dutch reinsurer. In the Netherlands we operate under the name De Hoop, abroad under the name DH Reinsurance. Outside the Netherlands we have partnerships with insurers in Belgium, France, Germany, Liechtenstein, United Kingdom and on Curaçao, Aruba and Sint Maarten.
Does DH Reinsurance have a permit for the insurance business?
DH Reinsurance has a license for the reinsurance business and is registered in the Register of Reinsurers.
Which code of conduct does DH Reinsurance endorse?
DH Reinsurance is a member of the Dutch Association of Insurers and endorses the applicable codes of conduct.