Waard Verzekeringen

What Waard Verzekeringen does

Scildon is a Dutch private life insurance company founded in 1984 and headquartered in Hilversum, Netherlands. The firm specializes in personal life insurance (persoonlijke levensverzekeringen) and operates a portfolio of three product families: Overlijdensrisicoverzekeringen (ORV) including lifestyle, mortgage-linked, rental, non-smoker, and business-partner variants; investment products (Scildon Easy B, Scildon Beleggen, Gouden Handdruk severance-investment, and Particulier Pensioen Plan); and pension solutions (Werknemerslijfrente, Direct Ingaande Lijfrente, Direct Ingaand Pensioen). All products are distributed exclusively through a network of more than 3,000 independent financial advisors across the Netherlands; consumers cannot transact directly online, although the website offers a premium calculator, an advisor finder, and educational content.

Revenue is generated primarily through recurring insurance premiums (billed monthly or annually) and management fees on investment and pension products, with aankoopkosten (purchase costs) applied to certain fund investments. Pricing is quote-based and determined through advisor consultation rather than publicly disclosed. The primary customer segment is Dutch individual consumers (particulieren) seeking financial planning solutions for family protection, mortgage coverage, retirement accumulation, and severance investment. The company operates as a private, independent entity with no disclosed parent or external ownership, reports a customer satisfaction rating of 8.4/10 on Trustpilot, and uses content marketing, social media, and community event sponsorships (e.g., the LoveLife Run) for brand visibility.

Name

Waard Verzekeringen

Legal name

Scildon

Website

https://www.waardverzekeringen.nl

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

11–50 employees

Short description

Waard Verzekeringen specializes in insurance against loss of income in the event of death.

Ownership category

akta.pro rank

Product category

Personal Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Funds, Trusts, and Other Financial Vehicles (525)

SIC

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

akta.pro primary industry

Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.) (FSAAAAAL)

Keywords

• Life risk insurance
• Mortgage protection insurance
• Investment-linked products
• Pension and annuity solutions
• Severance pay investment

Headquarters

HQ city

Wognum

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Life Insurance Premiums: Scildon generates revenue through premiums paid by customers on term life insurance products (Overlijdensrisicoverzekeringen). These include lifestyle ORV, mortgage ORV, rental ORV, and companion insurance policies. Premiums can be paid monthly or annually.
2. Investment and Pension Products: Revenue is generated through investment products including Scildon Easy B, Scildon Beleggen, Gouden Handdruk (severance investment), and pension products such as Direct Ingaande Lijfrente, Direct Ingaand Pensioen, Werknemerslijfrente, and Particulier Pensioen Plan. These products charge management fees and may include aankoopkosten (purchase costs) for fund investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Scildon is a Dutch personal life insurer that sells death-benefit (overlijdensrisicoverzekering / ORV) policies, investment-linked wealth-building products, and pension/annuity solutions to individual consumers. Products are distributed exclusively through a national network of 3,000+ independent financial advisors; customers cannot purchase directly online but can calculate indicative premiums and access self-service tools via the website. The portfolio spans mortgage-linked ORV, rental ORV, non-smoker ORV, business partner ORV, sustainable investing (Easy B), general investment products (Scildon Beleggen), severance-pay investment (Gouden Handdruk), personal pension plans, employer-arranged employee annuities, and direct-start annuities/pensions.

Product overview

Scildon is a Dutch personal life insurer offering a portfolio of life risk insurance (overlijdensrisicoverzekeringen ORV), investment products (beleggen), and pension solutions. The core product lines include: (1) ORV products — Scildon Lifestyle ORV, Scildon Lifestyle Hypotheek ORV (mortgage-specific), Scildon Lifestyle Stoppen met Roken ORV (non-smoker discount), Scildon Huurverzekering (rental coverage), and Scildon Compagnonsverzekering (business partner coverage); (2) Investment products — Scildon Easy B (simple sustainable investing), Scildon Beleggen (full-service investing), Gouden Handdruk Polis (severance investment), and Particulier Pensioen Plan (personal pension plan); (3) Pension products — Werknemerslijfrente (employer-provided employee annuity), Direct Ingaande Lijfrente (immediate annuity), and Direct Ingaand Pensioen (immediate pension supplement). All products are distributed through over 3,000 independent advisors and are designed to be simple with clear terms, targeting Dutch individuals planning for financial security, retirement, and estate protection.

Differentiator

Problem solved

Functional benefit

Brands

• Scildon Lifestyle ORV: Life insurance product for financial security of dependents
• Scildon Lifestyle Hypotheek ORV
• Scildon Huur ORV
• Scildon Lifestyle Stoppen met Roken ORV
• Scildon Compagnonsverzekering
• Scildon Easy B
• Scildon Beleggen
• Particulier Pensioen Plan
• Gouden Handdruk
• Direct Ingaande Lijfrente
• Direct Ingaand Pensioen
• Scildon Werknemerslijfrente

Products and services

• Direct Ingaande Lijfrente Immediately commencing annuity delivering additional income streams as a pension supplement for individual annuitants.
• Direct Ingaand Pensioen Immediately commencing pension providing direct supplementary income on top of existing pension benefits for retired individuals.
• Gouden Handdruk Polis Severance compensation policy enabling tax-efficient investment of dismissal settlements via an investment-linked product.
• Werknemerslijfrente Employee annuity providing an extra personal pension fund for individual employees via employer-arranged contributions.
• Scildon Lifestyle ORV Overlijdensrisicoverzekering (life risk insurance) providing financial security for surviving dependents of individual policyholders, with flexible coverage tailored to personal circumstances.
• Scildon Lifestyle Hypotheek ORV Mortgage-specific life risk insurance designed to align with the purchase of a home, ensuring the mortgage can be paid off if the insured passes away.
• Scildon Lifestyle Stoppen met Roken ORV Life risk insurance offering premium discounts for non-smokers or those committing to quit smoking.
• Scildon Huurverzekering Rental-focused life risk insurance providing financial security for renters and their dependents in the event of the insured's death.
• Scildon Compagnonsverzekering Business partner insurance covering the financial impact of a co-owner or partner's death, enabling smooth business continuation for small-business owners.
• Scildon Easy B Simple and sustainable investment-linked insurance solution enabling straightforward wealth accumulation with built-in sustainability considerations.
• Scildon Beleggen Investment-linked insurance product allowing individual customers to grow wealth and pursue personal goals through fund-based investment vehicles.
• Particulier Pensioen Plan Personal pension plan structured under the old tax regime, providing supplementary retirement income accumulation for individuals.

Quantifiable outcome

• Customer satisfaction rating of 8.4 out of 10

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• DazureminorChannel Partner/ Reseller/ Distributor · 1 September 2026Dazure was a volmachtsamenwerking (power of attorney/partnership) distribution partner for Scildon, distributing the GoedIdee Overlijdensrisicoverzekeringen (ORV) product. The partnership is being terminated effective September 1, 2026 for new business production. The existing policy portfolio will remain with Scildon.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Market position

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

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

Revenue estimate

Valuation estimate

Number of profiles

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 Waard Verzekeringen