Waard Verzekeringen
Waard Verzekeringen specializes in insurance against loss of income in the event of death.
- Company typePrivate
- Founded1984
- HeadquartersWognum, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
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.
Waard Verzekeringen firmographics
Firmographics- 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
Waard Verzekeringen industry classification
Industry- 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
Where Waard Verzekeringen is headquartered
LocationHeadquarters
- HQ city
- Wognum
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Waard Verzekeringen business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Quote-based pricing through independent advisors |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
Waard Verzekeringen product offering
Product offeringCore 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
Companies that use Waard Verzekeringen
Customer profileSegments1 record
Ideal customer profiles1 record
Waard Verzekeringen technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Waard Verzekeringen partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- DazureminorDazure 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
Waard Verzekeringen competitors and assessment
Company assessmentMarket position
Weaknesses5 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Waard Verzekeringen social profiles
Digital presenceWaard Verzekeringen financial estimates
Financial estimateRevenue estimate
Valuation estimate
Waard Verzekeringen leadership team
Management profileNumber of profiles
Waard Verzekeringen funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Waard Verzekeringen 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 Waard Verzekeringen
What does Waard Verzekeringen do?
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.
Is Waard Verzekeringen a public or private company?
Waard Verzekeringen is a private company. It is classified as unknown and is currently operating.
When was Waard Verzekeringen founded?
Waard Verzekeringen was founded in 1984. It employs 11 to 50 people.
Where is Waard Verzekeringen based?
Waard Verzekeringen is headquartered in Wognum, Netherlands, in the Europe region.
How does Waard Verzekeringen make money?
Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are investment and Pension Products.
Does Waard Verzekeringen have an API?
No public API is recorded for Waard Verzekeringen.
What industry is Waard Verzekeringen in?
Waard Verzekeringen's product category is Personal Life Insurance. Its primary akta.pro industry code is FSAAAAAL, Tax-Advantaged Investing & Wrappers (ISA, 529, Insurance Bonds, etc.). Its NAICS code is 524113 and its SIC code is 6311.