Onderlinge 's-gravenhage
Onderlinge Nederland is a Dutch mutual life insurer, founded 1895, offering supplementary retirement annuities (lijfrente), a senior reverse mortgage (ZilverHuis Hypotheek), and life insurance to Dutch pre-retirees, retirees, property-owning seniors, and entrepreneurs, distributed via independent financial advisors.
- Company typePrivate
- Founded1895
- HeadquartersDen Haag, Netherlands
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Onderlinge 's-gravenhage does
Onderlinge Nederland, formerly Onderlinge 's-Gravenhage, is a Dutch cooperative (onderlinge) mutual life insurance company founded in 1895 in The Hague and rebranded to a national identity in November 2025. It specializes in supplementary retirement income and senior financial solutions for Dutch households, with a product portfolio centered on lijfrente (annuity) insurance — including accumulation (Opbouwen), deferral (Uitstellen), immediate payout (Direct Ingaande Lijfrente), business cessation conversion (Stakingswinst), fiscal old-age reserve conversion (Oudedagsreserve), golden handshake (Gouden Handdruk), annual contribution room (Jaarruimte), and survivor benefits (Nabestaandenlijfrente) — alongside the ZilverHuis Hypotheek reverse mortgage and traditional life insurance. The technology stack is a conventional insurance platform: a Connect portal for financial advisors and an Onderlinge Online member self-service portal, with no mobile app, public API, or proprietary AI components disclosed.
The company's business model is subscription/recurring in nature: annuity, life, and mortgage products generate ongoing premium and interest revenue on long-duration contracts, with pricing set per individual via financial advisors rather than via public rate cards. Distribution is sales-led through a network of independent Dutch financial advisors, supplemented by content marketing, webinars, and visibility in advisor comparison tooling (MoneyView AeQuote). Customer segments are horizontal and retail: pre-retirees and retirees seeking supplementary pension income, property-owning seniors aged 50+ with accumulated home equity, and entrepreneurs converting business sale proceeds into retirement income. Ownership rests with members through the cooperative structure, with a Members' Panel (ledenpanel), a General Meeting, and annual maatschappijwinstdeling profit sharing — €5 million was distributed to members in 2026. Recent strategic activity includes the 2024 acquisition of Nh1816's life and funeral insurance portfolios, the 2023 divestiture of the second pillar pension book to Zwitserleven, the November 2025 rebrand, and entry into Achmea's Particuliere Hypothekenfonds.
Onderlinge 's-gravenhage firmographics
Firmographics- Name
- Onderlinge 's-gravenhage
- Legal name
- Onderlinge Nederland
- Website
- https://onderlinge.info
- Company type
- Private
- Founded year
- 1895
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Onderlinge Nederland is a Dutch mutual life insurer, founded 1895, offering supplementary retirement annuities (lijfrente), a senior reverse mortgage (ZilverHuis Hypotheek), and life insurance to Dutch pre-retirees, retirees, property-owning seniors, and entrepreneurs, distributed via independent financial advisors.
- Ownership category
- akta.pro rank
Onderlinge 's-gravenhage industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Life Insurance (6311), Insurance Carriers, Nec (6399)
- akta.pro industry
- Whole Life InsuranceParticipating (Dividend) Whole Life InsuranceNon-Participating Whole Life Insurance
Keywords
Where Onderlinge 's-gravenhage is headquartered
LocationHeadquarters
- HQ city
- Den Haag
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Onderlinge 's-gravenhage business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Lijfrente (Annuity) Products: Building and managing annuity products for pension income, including opbouwen (accumulation), uitstellen (deferral), and direct ingaande (immediate) variants. Revenue generated from premiums and investment returns on accumulated capital.
- ZilverHuis Hypotheek: Home equity release mortgage product allowing seniors to convert property value into cash or income. Generates revenue through interest on mortgages issued.
- Life Insurance: Traditional life insurance products including kapitaalverzekering and overlijdensverzekering. Revenue from policy premiums.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Quote-based pricing for all products |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Onderlinge 's-gravenhage product offering
Product offeringCore offering
Onderlinge 's-Gravenhage is a Dutch mutual life insurer offering life insurance and lijfrente (annuity) products for individual retirement planning, plus the ZilverHuis Hypotheek, a reverse-mortgage product designed for senior Dutch homeowners. Founded in 1895 and operating as a member-owned cooperative, the company distributes its policies through independent financial advisors and via its online member portal.
Product overview
Onderlinge Nederland (formerly Onderlinge 's-Gravenhage) is a mutual life insurance company with over 130 years of experience offering supplementary pension and retirement income products. The product portfolio centers on lijfrente (annuity) products including Onderlinge Lijfrente Opbouwen, Lijfrente Uitstellen, Direct Ingaande Lijfrente, Lijfrente Stakingswinst, Lijfrente Oudedagsreserve, Lijfrente Gouden Handdruk, Lijfrente Jaarruimte, and Nabestaandenlijfrente. The company also offers the ZilverHuis Hypotheek, a reverse mortgage product for leveraging home equity. Digital services include Onderlinge Online (member portal) and Onderlinge Connect (advisor portal). The company operates as a self-governed mutual society with maatschappijwinstdeling (society profit sharing) for members.
Differentiator
Problem solved
Functional benefit
Products and services
- Lijfrente annuity products Tax-favoured Dutch retirement annuity products that allow individual policyholders to accumulate retirement capital with fiscal deduction during the savings phase and convert it into an income stream at retirement; underwritten and administered by the mutual on behalf of its members.
- Life insurance policies Dutch life insurance coverage providing death benefit and/or savings-element protection for individual policyholders and their dependants, distributed via independent financial advisors and serviced through the Onderlinge Online member portal.
- ZilverHuis Hypotheek (reverse mortgage) A reverse-mortgage product designed for senior Dutch homeowners that allows them to unlock equity from their primary residence to supplement retirement income without selling the property.
Quantifiable outcome
- €5 million profit distribution to members in 2026
Companies that use Onderlinge 's-gravenhage
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Onderlinge 's-gravenhage technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
Onderlinge 's-gravenhage partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- AchmeacoreOnderlinge Nederland joined the Particulier Hypothekenfonds (Private Mortgage Fund) of Achmea, enabling collaboration in the mortgage market for senior products.
- Nh1816 VerzekeringencoreOnderlinge 's-Gravenhage took over life insurance portfolio from Nh1816 Verzekeringen, expanding policyholder base.
- ZwitserlevencoreTransferred 2nd pillar pension portfolio to Zwitserleven, allowing focus on core annuity and retirement income products.
Scale indicators3 records
Recent moves7 records
Expansion highlights5 records
Onderlinge 's-gravenhage competitors and assessment
Company assessmentDirect peers
- TAF: Dutch insurer focused on life and funeral products distributed through advisors. Comparable niche mid-market Dutch life insurance positioning, though with somewhat different product emphasis on funeral insurance.
- Scildon: Dutch life insurer offering mortgage, savings, and annuity products through financial advisors. Directly comparable to Onderlinge in advisor-distributed Dutch life and mortgage products.
- Brand New Day: Dutch financial services provider offering life, pension, and investment products. Comparable as a mid-sized Dutch player serving retirement-income and savings needs through advisor and direct channels.
- Nh1816 Verzekeringen: Dutch mutual insurance company offering life and funeral insurance to a member base. Directly comparable as a small mutual life carrier and a known counterparty, having transferred life and funeral portfolios to Onderlinge in 2024.
- Zwitserleven: Dutch life insurer specializing in individual life and pension products. Directly comparable to Onderlinge in lijfrente offerings and is also a counterparty in Onderlinge's 2023 second-pillar pension book transfer, indicating closely overlapping product positioning.
Broad incumbents
- ASR Nederland: Largest Dutch insurance carrier offering life, pension, and mortgage products through multiple brands. Directly comparable to Onderlinge in life insurance and annuity offerings, but operates at materially greater scale and broader product breadth.
- Vivat (Athora Netherlands): Dutch life insurance carrier under Athora ownership, offering life, mortgage, and pension products. Comparable product mix at greater scale and with a broader distribution footprint across the Netherlands.
- NN Group: Major Dutch life insurer and pension provider with strong position in individual life and group pension products. Comparable product overlap with Onderlinge's lijfrente and life insurance suite, but serves a broader customer base across multiple European markets.
- Reaal: Dutch insurance carrier offering life and non-life products through advisors. Comparable to Onderlinge in life insurance offerings distributed via independent advisors, with broader non-life product diversification.
Emerging players
- Tulp Hypotheken: Dutch mortgage provider specializing in niche segments including senior mortgages. Comparable to Onderlinge in the senior-mortgage/overwaarde niche relevant to the ZilverHuis Hypotheek product line.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Onderlinge 's-gravenhage social profiles
Digital presenceOnderlinge 's-gravenhage financial estimates
Financial estimateRevenue estimate
Valuation estimate
Onderlinge 's-gravenhage leadership team
Management profileNumber of profiles
Onderlinge 's-gravenhage funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Onderlinge 's-gravenhage 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 Onderlinge 's-gravenhage
What does Onderlinge 's-gravenhage do?
Onderlinge 's-Gravenhage is a Dutch mutual life insurer offering life insurance and lijfrente (annuity) products for individual retirement planning, plus the ZilverHuis Hypotheek, a reverse-mortgage product designed for senior Dutch homeowners. Founded in 1895 and operating as a member-owned cooperative, the company distributes its policies through independent financial advisors and via its online member portal.
Is Onderlinge 's-gravenhage a public or private company?
Onderlinge 's-gravenhage is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Onderlinge 's-gravenhage founded?
Onderlinge 's-gravenhage was founded in 1895. It employs 101 to 250 people.
Where is Onderlinge 's-gravenhage based?
Onderlinge 's-gravenhage is headquartered in Den Haag, Netherlands, in the Europe region.
How does Onderlinge 's-gravenhage make money?
Three revenue lines are on record. Lijfrente (Annuity) Products are the primary driver. The others are zilverHuis Hypotheek and life Insurance.
Who are Onderlinge 's-gravenhage's main competitors?
Direct peers on record are TAF, Scildon, Brand New Day, Nh1816 Verzekeringen and Zwitserleven. Broad incumbents are ASR Nederland, Vivat (Athora Netherlands), NN Group and Reaal. Tulp Hypotheken is listed as an emerging player.
Does Onderlinge 's-gravenhage have an API?
No public API is recorded for Onderlinge 's-gravenhage.
What industry is Onderlinge 's-gravenhage in?
Onderlinge 's-gravenhage's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance, with a secondary code of FSAIABAI, Participating (Dividend) Whole Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.