De Hoop

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.

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

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

• Life reinsurance
• Mortality risk underwriting
• Medical risk assessment
• Facultative reinsurance
• Death risk insurance

Headquarters

HQ city

Den Haag

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core 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

Named customers13 records

Segments3 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

14 partnerships are on record, tiered core and minor.

• AllianzcoreChannel Partner/ Reseller/ Distributor · 1 January 2023Major 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.coreChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurance company that is both shareholder and Maatwerkroute partner. Supports De Hoop's mission to increase insurability of people with medical conditions.
• Nationale-NederlandencoreChannel Partner/ Reseller/ Distributor · 1 January 2023Major Dutch insurer (shareholder) and Maatwerkroute partner. Martijn Hoogeweegen from NN Group serves on De Hoop's Supervisory Board.
• Centraal BeheerminorChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
• De Goudse VerzekeringenminorChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
• FBTOminorChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
• InterpolisminorChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
• ScildonminorChannel Partner/ Reseller/ Distributor · 1 January 2023Dutch insurer supporting the De Hoop Maatwerkroute for customers with medical conditions.
• 1EdgeminorChannel Partner/ Reseller/ Distributor · 1 January 2023UK 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.
• Check24minorChannel Partner/ Reseller/ Distributor · 1 January 2023German 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.
• SquarelifeminorChannel Partner/ Reseller/ Distributor · 1 January 2023Liechtenstein-based insurer issuing policies for the German market through the Check24 partnership with De Hoop as reinsurer.
• Pulse Insurance LimitedminorChannel Partner/ Reseller/ Distributor · 1 January 2020UK broker specializing in special risks including medically elevated risks. Brings De Hoop's services personally to customers in the British market.
• Ars DonandiminorStrategic or Co-development Partner · 1 January 2019Umbrella foundation for charitable funds under which De Hoop Leven fonds is organized. Handles applications for research funding related to medical insurability.
• TAFcoreChannel Partner/ Reseller/ Distributor · 1 January 2018Execution-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

Broad 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

• LinkedInlinkedin.com/company/de-hoop-leven

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 De Hoop