If there is an increased medical risk, it is not always easy to take out a life insurance policy. Insurers can reject the application. De Hoop wants to prevent people from being uninsured against their will. We have been active as a reinsurer since 1905, both in the Netherlands and abroad. More and more insurers are finding out about us. That is a good thing because the more people who know about Hoop, the greater the chance that people who are ill or have been ill can take out a good life insurance policy.
No, that is not possible. We are a reinsurer. Insurers can assign life insurance to us if there is an increased medical risk. As a client you will not notice this, but in this way we make it possible for insurers to accept you as a client.
We are a small, accessible organization with short lines of communication. For insurers, this means that applications are handled by the people with whom they have personal contact. We work quickly and professionally and we process applications immediately. We can accept 96% of the submitted applications. This means that almost everyone can be insured through us.
If there is an increased medical risk, the chance that you can take out insurance via a customised route is many times greater than it is via the “normal” route. If there is customisation, your file will be personally assessed. Regular (re)insurers usually use manuals, in which the premiums for each medical condition are fixed. De Hoop believes that every client is unique. By looking directly at the client’s file, we often can give a lower estimate than the one based on the manuals of the (re)insurance companies.
Do you want to take out life insurance and are you chronically ill or have been ill in the past? Then the outcome of the application is often uncertain. Tell your financial advisor or insurer about De Hoop. With our years of experience and specialist medical knowledge, we can ensure that the insurer accepts you and makes you an appropriate offer.
Every life insurer can pursue a socially responsible acceptance policy with De Hoop. We offer you as an insurer the option of ceding the life insurance to us so that we take over the financial risk, which means that in most cases insurance is possible.