Dazure
Dazure is a Dutch authorized insurance agent that designs and distributes life, mortgage-related, credit, and disability protection products under the GoedIdee and GewoonIdee brands, using AI-assisted medical acceptance and selling through independent financial advisors and the Mo-Lotta direct platform.
- Company typePrivate
- Founded2008
- HeadquartersBreda, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Dazure does
Dazure B.V. is a Dutch insurance product developer and authorized agent (gevolmachtigd agent / volmachtbedrijf) founded in 2008 in Breda, Netherlands, with 11-50 employees. The company designs, administers, and distributes life and income protection insurance products under the GoedIdee and GewoonIdee sub-brands, including term life insurance (GoedIdee Overlijdensrisicoverzekering), mortgage-linked life cover (GewoonIdee Hypotheek Overlijdensrisicoverzekering, currently underwritten by Allianz and Goudse Verzekeringen), credit life insurance, guardianship insurance, and disability and unemployment protection products (Dazure Lastenbeschermer AO-WW and Dazure Kredietbeschermer AO-WW). Dazure does not itself underwrite risk; it operates as an intermediary, holding authorized-agent mandates from Allianz, Goudse Verzekeringen, Chubb European Group SE, and previously Scildon, with the GoedIdee line migrated to Allianz effective September 2024.
Dazure's technology stack centers on an underwriting platform that incorporates a proprietary AI tool called Responsive Artificiële Intelligentie (RAI), which compares applicant health declaration data against historical anonymous applications to support medical acceptance decisions, alongside a MedicDesk capability that bundles medical expertise, digital workflows, and AI for accelerated processing. Final acceptance decisions remain with human medical assessors. Distribution runs through two parallel channels: a network of independent Dutch financial advisors who sell advised products, and the Mo-Lotta execution-only online platform, a sister entity that enables self-directed direct purchase. Marketing leans on educational podcast content ('Sterveding' and 'Tijdelijk buiten werking'), social media, and a "familiemeetlat" brand philosophy oriented around transparency and family-appropriate product design.
The revenue model is commission- and fee-based on recurring insurance premiums administered on behalf of carrier partners, with pricing determined by individual risk assessment across age, health, insured amount, and lifestyle factors on a monthly cadence. Dazure serves Dutch individual consumers and SMB borrowers seeking financial protection, reached either through advisor intermediaries or directly via Mo-Lotta. The company is founder-controlled, with co-founders Odette Bakker (General Director) and Indra Frishert (Commercial Director) leading the business, and has received multiple 2026 industry awards including the Gouden Lotus Award, a MoneyView 5-star ProductRating, and a DFO Performance Focusonderzoek win.
Dazure firmographics
Firmographics- Name
- Dazure
- Legal name
- Dazure B.V.
- Website
- https://dazure.nl
- Company type
- Private
- Founded year
- 2008
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Dazure is a Dutch authorized insurance agent that designs and distributes life, mortgage-related, credit, and disability protection products under the GoedIdee and GewoonIdee brands, using AI-assisted medical acceptance and selling through independent financial advisors and the Mo-Lotta direct platform.
- Ownership category
- akta.pro rank
Dazure industry classification
Industry- Product category
- Life Insurance
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Insurance Carriers (5241)
- SIC
- Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Insurance Program Administration & MGA/MGU Services (FSAEADAK)
Keywords
Where Dazure is headquartered
LocationHeadquarters
- HQ city
- Breda
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Dazure business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Insurance premiums: Dazure earns revenue through insurance premiums collected from policyholders. As a gevolmachtigd agent (authorized agent), they administer and manage insurance products on behalf of insurance companies.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Pricing based on individual risk assessment |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Dazure product offering
Product offeringCore offering
Dazure is a Dutch insurance product developer and authorized agent (gevolmachtigd agent) that designs, administers, and distributes life and income protection insurance products under the GoedIdee and GewoonIdee sub-brands. The portfolio includes term life, mortgage-linked, credit, and guardianship death-risk insurance, plus disability/unemployment income protection, with policies underwritten by partner carriers such as Allianz, Goudse, Scildon, and Chubb.
Product overview
Dazure is a Dutch insurance product developer (volmachtbedrijf/gevolmachtigd agent) founded in 2008, offering a portfolio of life and income protection insurance products under GoedIdee and GewoonIdee sub-brands. The core products include term life insurance (GoedIdee Overlijdensrisicoverzekering), credit life insurance, and disability insurance. Products are distributed through financial advisors and directly via the Mo-Lotta self-service platform. Dazure develops and administers insurance under authorization from partner insurers including Allianz, Goudse, Scildon, and Chubb.
Differentiator
Problem solved
Functional benefit
Brands
- GoedIdee Overlijdensrisicoverzekering: Death risk insurance product launched as the company's first product in 2008
- GoedIdee Voogdijverzekerd
- GewoonIdee Hypotheek Overlijdensrisicoverzekering powered by Allianz
- GewoonIdee Hypotheek Overlijdensrisicoverzekering powered by Goudse verzekeringen
- Dazure Krediet Overlijdensrisicoverzekering
- Beleg en Bescherm
- Dazure Lastenbeschermer AO-WW
- Dazure Kredietbeschermer AO-WW
Products and services
- GoedIdee Overlijdensrisicoverzekering Term life insurance (overlijdensrisicoverzekering) that pays a lump sum to beneficiaries upon death, featuring a premium depot with return of built-up value upon early termination. Targeted at Dutch consumers seeking straightforward life cover.
- GewoonIdee Hypotheek Overlijdensrisicoverzekering powered by Allianz Standard term life insurance linked to a mortgage, underwritten by Allianz as risk carrier. For Dutch consumers with mortgage financing who need death-risk cover tied to the loan.
- GewoonIdee Hypotheek Overlijdensrisicoverzekering powered by Goudse verzekeringen Standard term life insurance linked to a mortgage, underwritten by Goudse Verzekeringen. For Dutch consumers with mortgage financing who need death-risk cover tied to the loan.
- Dazure Krediet Overlijdensrisicoverzekering Credit life insurance that pays off an outstanding loan balance upon the borrower's death. Targeted at consumers with personal loans or credits who want debt covered in case of death.
- GoedIdee Voogdijverzekerd Guardianship insurance (voogdijverzekering) that ensures children are financially cared for if one or both parents die, including funds for the appointed guardian to make necessary arrangements.
- Dazure Lastenbeschermer AO-WW Disability and unemployment insurance providing income protection in case of work disability (arbeidsongeschiktheid) or unemployment. Underwritten by Chubb.
- Dazure Kredietbeschermer AO-WW Credit protection insurance covering loan repayments during periods of work disability or unemployment. For borrowers who want continued loan servicing if they lose income.
- Beleg en Bescherm Combined investment and life insurance protection product. For consumers who want to invest while maintaining death-risk coverage.
- Mo-Lotta Self-service online platform where consumers can compare and purchase Dazure insurance products directly (execution-only), as an alternative to the financial advisor channel. Operated as a sister company that can broker insurances for which Dazure acts as authorized agent.
Quantifiable outcome
- 5 stars for conditions from MoneyView ProductRating 2026
- +2 more outcomes
Companies that use Dazure
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Dazure technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature2 records
Dazure partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- AllianzcoreAllianz serves as insurance partner for the GoedIdee product line since September 2024. Dazure transferred new GoedIdee applications from Scildon to Allianz as of September 1. The partnership focuses on modernizing the acceptance process using MedicDesk and AI applications.
- Goudse VerzekeringencoreGoudse Verzekeringen is the current risk carrier for several Dazure products including GewoonIdee Hypotheek Overlijdensrisicoverzekering powered by Goudse Verzekeringen.
- ScildoncoreScildon was the previous risk carrier for GoedIdee Overlijdensrisicoverzekering until September 2024. Dazure transitioned to Allianz for new GoedIdee applications.
- Chubb European Group SEcoreChubb serves as risk carrier for GoedIdee Inkomensgewenning (Gezins-, Arbeids- en EigenInkomensgewenning) since 2013.
- Mo-LottacoreMo-Lotta is a sister company and distribution partner that can broker insurances for which Dazure acts as authorized agent. They offer an online platform where consumers can compare and purchase Dazure insurance products directly.
- Verbond van VerzekeraarsminorIndustry association of insurers that Dazure is affiliated with, following their codes and protocols.
- Stichting WeesgelukkigminorCharitable foundation that makes wishes come true for children who have lost one or both parents. Dazure supports this organization through donations and fundraising activities including the 'Vriendjes' children's book.
- ERFplannerminorPartner providing estate planning tools and services.
- Condole appminorPartner application for bereaved families.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
Dazure competitors and assessment
Company assessmentDirect peers
- Scildon: Scildon is a Dutch specialist life insurer historically underwriting Dazure's GoedIdee product line. Comparable as a Dutch ORV and life-insurance specialist with overlapping product, target customer (Dutch consumers seeking death-risk cover) and distribution through independent advisors.
- TAF (Turien & Co. Assuradeuren): TAF is a Dutch gevolmachtigd agent (authorized agent/MGA) operating across life, income protection and disability products, distributed through independent financial advisors. Closely comparable business model, customer segment and authorized-agent structure to Dazure.
- Aevitae: Aevitae is a Dutch insurance MGA and authorized agent providing life, disability and income protection products through advisors. Comparable on authorized-agent/MGA model, advisor distribution and life/income protection product mix.
- Tulp Verzekeringen: Tulp is a Dutch MGA/assuradeuren offering life, disability and mortgage-related insurance through independent advisors. Directly comparable as a multi-carrier authorized agent in the Dutch life and income protection market.
Broad incumbents
- ASR Nederland: ASR is one of the largest Dutch insurance groups offering life, disability and mortgage-related insurance through both direct and advisor channels. Comparable on Dutch life and income protection products and advisor distribution, though much larger and broader in scope than Dazure.
- NN Group: NN Group is a major Dutch-rooted financial services group with a large life insurance and pension business in the Netherlands. Overlaps with Dazure in Dutch life/ORV and income protection, but operates at far greater scale and breadth.
- Nationale-Nederlanden: Nationale-Nederlanden is a large Dutch life and non-life insurer distributing through advisors and direct channels. Comparable on Dutch life and mortgage-related death-risk products, though much larger and part of NN Group.
- Klaverblad Verzekeringen: Klaverblad is a Dutch mutual insurer offering life, disability and household insurance through independent advisors. Comparable Dutch life/income protection products and advisor distribution, but operates as a broad multi-line insurer.
Emerging players
- Lifetri: Lifetri is a Dutch closed-book life insurance specialist that acquires and administers legacy life portfolios, including past ORV and income protection books. Comparable on Dutch life/ORV expertise and carrier-style operations, though focused on run-off management rather than new sales.
Others
- VKG (Volmachtkantoor): VKG is a Dutch industry association and service organization for volmachtbedrijven (authorized agents). Adjacent peer: it serves the same MGA/authorized-agent ecosystem in which Dazure operates, providing shared infrastructure, compliance support and market representation.
Market position
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Dazure social profiles
Digital presenceDazure financial estimates
Financial estimateRevenue estimate
Valuation estimate
Dazure leadership team
Management profileNumber of profiles
Profiles3 records
Dazure funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Dazure M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Dazure
What does Dazure do?
Dazure is a Dutch insurance product developer and authorized agent (gevolmachtigd agent) that designs, administers, and distributes life and income protection insurance products under the GoedIdee and GewoonIdee sub-brands. The portfolio includes term life, mortgage-linked, credit, and guardianship death-risk insurance, plus disability/unemployment income protection, with policies underwritten by partner carriers such as Allianz, Goudse, Scildon, and Chubb.
Is Dazure a public or private company?
Dazure is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Dazure founded?
Dazure was founded in 2008. It employs 11 to 50 people.
Where is Dazure based?
Dazure is headquartered in Breda, Netherlands, in the Europe region.
How does Dazure make money?
One revenue line is on record: insurance premiums.
Who are Dazure's main competitors?
Direct peers on record are Scildon, TAF (Turien & Co. Assuradeuren), Aevitae and Tulp Verzekeringen. Broad incumbents are ASR Nederland, NN Group, Nationale-Nederlanden and Klaverblad Verzekeringen. Lifetri is listed as an emerging player. VKG (Volmachtkantoor) is listed as an others.
Does Dazure have an API?
No public API is recorded for Dazure.
What industry is Dazure in?
Dazure's product category is Life Insurance. Its primary akta.pro industry code is FSAEADAK, Insurance Program Administration & MGA/MGU Services. Its NAICS code is 524292 and its SIC code is 6411.