De Hoop
De Hoop is a Dutch facultative life reinsurer, founded in 1905, that specializes in underwriting mortality risk for individuals with elevated medical conditions on behalf of primary insurers and consumers across Western Europe.
- Company typePrivate
- Founded1905
- HeadquartersDen Haag, Netherlands
- Headcount1–10
- GTM typeB2B
- OfferingServices
What De Hoop does
De Hoop (N.V. Levensverzekering-Maatschappij De Hoop) is a Dutch facultative reinsurer founded in 1905 and headquartered in Den Haag, specializing in mortality risk insurance (overlijdensrisicoverzekering, ORV) for individuals with elevated medical risk. The company accepts medically complex cases that primary insurers would otherwise decline, drawing on 120 years of proprietary experience data and a team of in-house internists who perform personalized medical underwriting for 13+ condition categories, including diabetes, cancer, cardiovascular disease, obesity, mental health conditions, and rare diseases. De Hoop accepts more than 90% of submitted applications and provides quotations to insurer partners within two days, supported by an internal solvency ratio of 294% (end of 2022).
The business operates as a B2B2C reinsurer with three primary revenue mechanics: reinsurance premiums paid by primary insurer partners, execution-only direct applications via De Hoop Maatwerkroute, and international facultative reinsurance through the DH Reinsurance brand (active in Belgium, Germany, UK, France, Liechtenstein, and the Caribbean since 2023). De Hoop is privately held by three Dutch shareholders — a.s.r., Nationale-Nederlanden, and Onderlinge 's-Gravenhage — who simultaneously act as distribution partners alongside other major Dutch insurers including Allianz, Centraal Beheer, De Goudse, FBTO, Interpolis, and Scildon. Pricing is risk-based and individually negotiated, varying with medical condition, mortality probability, treatment status, and demographic factors.
Operational scope is deliberately compact (1-10 employees), with the firm functioning as a high-leverage specialist platform rather than a scaled insurer. Product extensions include the 2020 'Schone Lei-beleid' (clean slate policy) for ex-cancer patients, the 2023-2024 Maatwerkroute consumer channel, the international DH Reinsurance brand, and the De Hoop Leven Fonds research foundation. The company is registered in the Dutch Register Herverzekeraars under DNB supervision and operates under Verbond van Verzekeraars codes of conduct.
De Hoop firmographics
Firmographics- Name
- De Hoop
- Legal name
- N.V. Levensverzekering-Maatschappij De Hoop
- Website
- https://www.dehoopleven.nl
- Company type
- Private
- Founded year
- 1905
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- De Hoop is a Dutch facultative life reinsurer, founded in 1905, that specializes in underwriting mortality risk for individuals with elevated medical conditions on behalf of primary insurers and consumers across Western Europe.
- Ownership category
- akta.pro rank
De Hoop industry classification
Industry- Product category
- Life Reinsurance
- NAICS
- Reinsurance Carriers (52413), Direct Life Insurance Carriers (524113), Insurance Carriers (5241)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321)
- akta.pro primary industry
- Facultative Accident & Health (A&H) Reinsurance (FSAOAFAI)
Keywords
Where De Hoop is headquartered
LocationHeadquarters
- HQ city
- Den Haag
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
De Hoop business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Reinsurance Premiums: De Hoop operates as a reinsurer, taking over mortality risks from primary insurers for a premium. Insurance companies reinsure their medical mortality risks with De Hoop, which then assumes the financial risk, making insurance possible for medically complex individuals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Risk-based premium pricing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
De Hoop product offering
Product offeringCore offering
De Hoop is a facultative life reinsurer that takes over mortality risk (overlijdensrisicoverzekering/ORV) from primary insurers for applicants with medical conditions. Insurance companies cede complex medical mortality risks to De Hoop, which then performs case-by-case medical underwriting through its in-house internist team and quotes a risk-based premium. The Maatwerkroute channel allows individuals previously declined by standard insurers to apply directly through partner insurers on an execution-only basis, while DH Reinsurance extends the same model internationally.
Product overview
N.V. Levensverzekering-Maatschappij De Hoop operates as a specialized reinsurer offering death risk insurance (overlijdensrisicoverzekering/ORV) solutions for individuals with medical conditions. The core product is reinsurance services for insurers, complemented by the De Hoop Maatwerkroute for direct consumer access after rejection, and international operations under DH Reinsurance brand. The company leverages 120 years of experience, unique medical expertise, and an extensive proprietary database of experience data to assess and accept over 90% of applications. Additional offerings include the De Hoop Leven Fonds for research support and comprehensive medical condition information resources covering 13 disease categories.
Differentiator
Problem solved
Functional benefit
Brands
- De Hoop Leven Fonds: A foundation that supports research contributing to the insurability of people with elevated medical risks.
Products and services
- Herverzekering (Facultative Reinsurance)
- De Hoop Maatwerkroute
- DH Reinsurance
- Schone Lei-beleid (Clean Slate Policy)
Quantifiable outcome
- 90% of submitted applications are accepted
- +3 more outcomes
Companies that use De Hoop
Customer profileNamed customers13 records
Segments3 records
Ideal customer profiles4 records
De Hoop technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
De Hoop partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- AllianzcoreMajor Dutch insurer and supporter of De Hoop Maatwerkroute initiative. Part of the consortium of insurers enabling direct customer access to De Hoop's reinsurance capabilities for medically complex applicants.
- a.s.r.coreDutch insurance company that is both shareholder and Maatwerkroute partner. Supports De Hoop's mission to increase insurability of people with medical conditions.
- Nationale-NederlandencoreMajor Dutch insurer (shareholder) and Maatwerkroute partner. Martijn Hoogeweegen from NN Group serves on De Hoop's Supervisory Board.
- Centraal BeheerminorDutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
- De Goudse VerzekeringenminorDutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
- FBTOminorDutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
- InterpolisminorDutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
- ScildonminorDutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
- 1EdgeminorUK insurance partner enabling De Hoop to continue serving British customers after Brexit. Combined with Pulse Insurance Limited to provide ORV for medically elevated risks in the UK market.
- Check24minorGerman insurance comparison platform (similar to Independer in Netherlands). Partnership allows De Hoop to reach German customers who are declined by standard insurers. Pilot running through end of 2023.
- SquarelifeminorLiechtenstein-based insurer issuing policies for the German market through the Check24 partnership with De Hoop as reinsurer.
- Pulse Insurance LimitedminorUK broker specializing in special risks including medically elevated risks. Brings De Hoop's services personally to customers in the British market.
- Ars DonandiminorUmbrella foundation for charitable funds under which De Hoop Leven fonds is organized. Handles applications for research funding related to medical insurability.
- TAFcoreExecution-only ORV platform (meest gekozen overlijdensrisicoaanbieder van Nederland). Partnership enabled TAF to accept 99.9% of applications. TAF Maatwerk ORV resulted in 500+ policies in first year, targeting 750 in 2020.
Scale indicators6 records
Recent moves9 records
Expansion highlights6 records
De Hoop competitors and assessment
Company assessmentBroad incumbents
- Swiss Re: Swiss Re's Life & Health Reinsurance division underwrites mortality risk on a facultative and treaty basis, including medically impaired cases. A broad incumbent comparable in product category if not in scale or specialization.
- Munich Re: Munich Re is a top global reinsurer with a life and health reinsurance division that writes impaired-risk mortality business. Operates at vastly larger scale but competes in the same facultative mortality space as De Hoop.
- SCOR: SCOR operates a global Life & Health reinsurance franchise including impaired-risk underwriting. Competes with De Hoop in facultative mortality, especially in Western Europe.
- PartnerRe: PartnerRe writes life reinsurance including mortality and impaired-life business globally. A broad incumbent competitor in the facultative life reinsurance market.
- Hannover Re: Hannover Re is a leading global reinsurer with a life and health division that underwrites mortality and impaired-life business. Comparable business model and broad geographic overlap with De Hoop's footprint.
- Reinsurance Group of America (RGA): RGA is one of the largest global life and health reinsurers, with a dedicated financial reinsurance and impaired-life underwriting practice. Closest comparable at scale to De Hoop's specialized life mortality reinsurance model.
Direct peers
- Pacific Life Re: Pacific Life Re provides mortality and longevity reinsurance solutions globally, including impaired-life and specialty underwriting. Closest direct peer in the specialized life reinsurance niche.
- Optimum Re Insurance Company: Optimum Re is a North American specialty life reinsurer focused on impaired-risk and simplified-issue life underwriting. Directly comparable in mission and underwriting philosophy to De Hoop.
- Wilton Re: Wilton Re is a US-focused life reinsurance provider operating in the impaired-life and individual life reinsurance niche. Comparable as a smaller specialty life reinsurer serving primary carriers with complex medical cases.
Regional players
- DLV (De Levenverzekeraar / Lifetri): Lifetri is a Dutch life insurance carrier focused on closed blocks and impaired-risk servicing, with similar Dutch regulatory standing. Regional peer serving the same medically complex Dutch population De Hoop reinsures.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
De Hoop social profiles
Digital presenceDe Hoop compliance and trust
Trust signalCompliance4 records
De Hoop financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Hoop leadership team
Management profileNumber of profiles
Profiles10 records
De Hoop funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Hoop 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 De Hoop
What does De Hoop do?
De Hoop is a facultative life reinsurer that takes over mortality risk (overlijdensrisicoverzekering/ORV) from primary insurers for applicants with medical conditions. Insurance companies cede complex medical mortality risks to De Hoop, which then performs case-by-case medical underwriting through its in-house internist team and quotes a risk-based premium. The Maatwerkroute channel allows individuals previously declined by standard insurers to apply directly through partner insurers on an execution-only basis, while DH Reinsurance extends the same model internationally.
Is De Hoop a public or private company?
De Hoop is a private company. It is classified as corporate owned and is currently operating.
When was De Hoop founded?
De Hoop was founded in 1905. It employs 1 to 10 people.
Where is De Hoop based?
De Hoop is headquartered in Den Haag, Netherlands, in the Europe region.
How does De Hoop make money?
One revenue line is on record: reinsurance Premiums.
Who are De Hoop's main competitors?
Broad incumbents on record are Swiss Re, Munich Re, SCOR, PartnerRe, Hannover Re and Reinsurance Group of America (RGA). Direct peers are Pacific Life Re, Optimum Re Insurance Company and Wilton Re. DLV (De Levenverzekeraar / Lifetri) is listed as a regional player.
Does De Hoop have an API?
No public API is recorded for De Hoop.
What industry is De Hoop in?
De Hoop's product category is Life Reinsurance. Its primary akta.pro industry code is FSAOAFAI, Facultative Accident & Health (A&H) Reinsurance. Its NAICS code is 52413 and its SIC code is 6311.