What Scildon does

Scildon N.V. is a Dutch personal life insurance company headquartered in Hilversum, founded in 1984 and operating as a wholly-owned subsidiary of UK-listed Chesnara Plc since April 2017. The company specializes in three product lines: term life insurance (Overlijdensrisicoverzekering, or ORV) including lifestyle, mortgage-linked, rental, and non-smoker variants; investment-linked insurance products (Scildon Easy B, Scildon Beleggen); and supplementary pension products (Direct Ingaande Lijfrente, Direct Ingaand Pensioen, Particulier Pensioen Plan, Werknemerslijfrente). Investment funds are managed by Cardano (formerly ACTIAM) using sustainable mix fund profiles (defensive, neutral, offensive), and Scildon maintains a sustainability-linked partnership with Justdiggit in Tanzania.

Scildon distributes exclusively through a network of over 3,000 independent financial advisors across the Netherlands; products cannot be purchased directly online, though prospective customers can calculate premiums through online tools and existing policyholders manage their accounts via the Mijn Scildon portal, with separate portals for employer-sponsored pension administration. The company's technology stack is functional rather than differentiated: customer self-service portals, lifecycle investing, and digital claim notification tools, with no disclosed AI/ML capabilities. Revenue streams are recurring premiums and management fees across the ORV, investment, and pension product lines, priced on a quote-based model.

The company has actively reshaped its portfolio since 2024: it merged with sister Chesnara subsidiary Waard Verzekeringen on July 2, 2024 to consolidate in the Dutch life market; divested its collective pension portfolio to Allianz in 2025 and exited the Dazure volmacht partnership effective September 2026, both moves reflecting a strategic refocus on individual life solutions sold through independent advisors. Scildon serves approximately 159 employees and operates under AFM registration (number 12000414) and DNB supervision.

Name

Scildon

Legal name

Scildon N.V.

Website

https://scildon.nl

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

101–250 employees

Short description

Scildon is a Dutch personal life insurance company founded in 1984, offering term life, investment, and supplementary pension products exclusively through 3,000+ independent financial advisors, and operating as a wholly-owned subsidiary of UK-listed Chesnara Plc.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52)

SIC

Life Insurance (6311), Insurance Carriers, Nec (6399)

akta.pro primary industry

Variable Universal Life (VUL) Insurance (FSAIABAD)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)

Keywords

• Term life insurance
• Investment insurance
• Pension products
• Death risk insurance
• Independent advisor distribution

Headquarters

HQ city

Hilversum

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Life Insurance Premiums: Recurring premiums from death risk insurance products including Lifestyle ORV, Mortgage ORV, Rental ORV, Stoppen met Roken ORV, and Compagnonsverzekering.
2. Investment Product Fees: Fees from investment insurance products including Scildon Easy B and Scildon Beleggen, managed through Cardano mix funds. Customers pay annual fees for fund management and insurance coverage.
3. Pension Administration: Employer pension plans (Scildon Werknemerslijfrente) where Scildon administers employee pension contributions and investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Scildon is a Dutch life insurance company selling personal life insurance, investment insurance, and pension products to individual consumers, entrepreneurs, and employers in the Netherlands. Its portfolio covers Overlijdensrisicoverzekeringen (death risk insurance for mortgage, rental, lifestyle, and business partner scenarios), beleggingsverzekeringen (Scildon Easy B and Scildon Beleggen using Cardano sustainable mix funds), and pension solutions (lijfrente, direct ingaand pensioen, werknemerslijfrente, and particulier pensioen plan). Products are distributed exclusively through more than 3,000 independent financial advisors, with supporting online portals for customer and employer self-service.

Product overview

Scildon is a Dutch life insurer offering a comprehensive portfolio of individual life insurance and pension products distributed through approximately 3,000 independent financial advisors. The product range centers on three core areas: (1) Overlijdensrisicoverzekeringen (life insurance) including Lifestyle ORV, Lifestyle Hypotheek ORV, Lifestyle Stoppen met Roken ORV, Huur ORV, and Compagnonsverzekering; (2) Beleggen en vermogen (investment and wealth building) featuring Scildon Easy B and Scildon Beleggen investment insurance products; and (3) Pensioen (pension) offerings including Direct Ingaande Lijfrente, Direct Ingaand Pensioen, Particulier Pensioen Plan, and Werknemerslijfrente. Scildon operates as a subsidiary of Chesnara Plc, a UK financial services provider, and serves retail customers, entrepreneurs, and employers across the Netherlands.

Differentiator

Problem solved

Functional benefit

Brands

• Scildon Lifestyle ORV: Term life insurance product offering financial security for beneficiaries
• Scildon Lifestyle Hypotheek ORV
• Scildon Huurverzekering
• Scildon Lifestyle Stoppen met Roken ORV
• Scildon Compagnonsverzekering
• Scildon Easy B
• Scildon Beleggen
• Scildon Werknemerslijfrente
• Direct Ingaande Lijfrente
• Direct Ingaand Pensioen
• Particulier Pensioen Plan

Products and services

• Scildon Lifestyle ORV Term life insurance (Overlijdensrisicoverzekering) providing a lump-sum payout to beneficiaries upon death before the policy end date, offering financial security for surviving family members. Targeted at Dutch individuals seeking straightforward personal life cover.
• Scildon Lifestyle Hypotheek ORV Mortgage-linked term life insurance covering amounts between €50,000 and €5,000,000, running until age 80 (75 for smokers). Designed for Dutch homeowners seeking to protect their mortgage.
• Scildon Lifestyle Stoppen met Roken ORV Term life insurance with a premium discount for customers who quit smoking within 9 months, applying non-smoker rates immediately. Targeted at smokers motivated to quit who want immediate financial recognition of their improved risk profile.
• Scildon Huur ORV Renters' life insurance providing monthly benefits of up to €1,500 for up to 10 years to cover rental payments after the insured's death. Designed for Dutch tenants who want to secure housing continuity for surviving family members.
• Scildon Compagnonsverzekering Business partner life insurance covering financial risks if a co-owner dies, ensuring business continuity for Dutch partnerships (BV, VOF, CV, or maatschap). Premiums start from €5 per month with no premium increase after policy start.
• Scildon Easy B Simple and sustainable investment insurance using Cardano Duurzame Mixfondsen with three risk profiles (defensive, neutral, offensive). Each policy contributes to a Justdiggit greening project in Tanzania. Targeted at Dutch individuals seeking easy, sustainable wealth building.
• Scildon Beleggen Investment insurance with a diverse fund selection from external fund houses, allowing customers to build wealth for retirement. Targeted at Dutch individuals seeking a wider range of fund options for long-term savings.
• Particulier Pensioen Plan Pension plan under the old tax regime offering flexibility and freedom to manage capital, allowing mid-term withdrawals. Targeted at Dutch individuals with legacy pension capital under pre-Wtp tax rules.
• Direct Ingaande Lijfrente Immediate annuity providing fixed periodic payments, with benefits taxed as income upon receipt. Targeted at Dutch individuals seeking a supplementary income stream from accumulated lijfrente capital.
• Direct Ingaand Pensioen Pension supplement starting up to 10 years before AOW age and up to 5 years after, providing income in retirement. Targeted at Dutch retirees seeking a direct income supplement to their state pension.
• Scildon Werknemerslijfrente Employee pension insurance allowing workers to build a supplementary personal pension through their employer. Targeted at Dutch employers offering supplementary pension benefits to their workforce.
• Scildon Pensioen Collective pension product for employers providing retirement, partner, and orphan pensions with lifecycle investing that automatically reduces risk as retirement approaches. Targeted at Dutch employers offering collective pension schemes.

Quantifiable outcome

• NPS score increased to +34 in 2025
• +3 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered minor and core.

• DazureminorChannel Partner/ Reseller/ Distributor · 1 September 2026Scildon and Dazure are ending their volmacht (underwriting delegation) partnership as of September 1, 2026. Scildon had conducted underwriting activities for Dazure's GoedIdee ORV products since 2020. Existing policies remain with Scildon as risk carrier. Scildon is focusing on individual life solutions with financial advisors as the main distribution channel.
• AllianzminorChannel Partner/ Reseller/ Distributor · 9 September 2025Allianz took over Scildon's collective pension portfolio. Scildon decided to stop with collective pension business to focus on individual life solutions.
• Waard VerzekeringencoreStrategic or Co-development Partner · 2 July 2025Scildon and Waard Verzekeringen merged on July 2, 2025. Both companies are part of Chesnara and specialized in life insurance. The merger created greater market strength to play a significant role in the consolidating market.
• CardanocoreTechnology or IntegrationCardano (formerly ACTIAM, part of Cardano Group since January 2022) provides investment fund management for Scildon Easy B and Scildon Beleggen products. Cardano's Duurzame Mixfondsen (sustainable mix funds) offer defensive, neutral, and offensive investment profiles. Cardano has 30 years of sustainable investing history and manages funds with maximum sustainability scores from Morningstar.
• JustdiggitminorStrategic or Co-development PartnerScildon and Cardano partner with Justdiggit for a greening project in Tanzania. The initiative aims to cool the earth by restoring green landscapes through water capture and tree planting. Each Scildon Easy B policy contributes to 2600 m2 of greened land, 10 tree species returned, 2 tons of CO2 captured, and 54,250 liters of water captured per year.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UC85_uD4SJlxHA_zUz_MkGSg
• Facebookfacebook.com/Scildon
• LinkedInlinkedin.com/company/scildon
• Xx.com/Scildon

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Scildon