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Nationale-Nederlanden life insurance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Nationale-Nederlanden is a Dutch insurer whose life cover runs 18-75 years with monthly premiums and no medical-style application. It suits people in the Netherlands who want death benefit cover from an established group, under De Nederlandsche Bank and Autoriteit Financile Markten supervision.

Key facts

Best for
Adults in the Netherlands wanting death benefit cover with monthly payments.
Insurance types
Life, Health, Auto, Home, Travel, Income-protection↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
EUR 750,000 online, up to EUR 5,000,000 via adviser↗
Claims channels
Online death notification form, Phone, Adviser↗
Age range
18-75 years↗
Legal entity
NN Group N.V.↗
Headquarters
Netherlands↗
Founded
1845↗
Support channels
Chat, Phone, Email↗
Pricing model
Monthly
Official website
nn-group.com

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • An insurer, not a broker, so cover sits with NN Group N.V.
  • Cover runs 18-75 years
  • Monthly payments available
  • Underwriting reaches the top of EUR 750,000 online, up to EUR 5,000,000 via adviser through an adviser

Cons

  • Online cover stops at the lower end of EUR 750,000 online, up to EUR 5,000,000 via adviser
  • Support runs on chat, phone and email only
  • Entry is limited to 18-75 years
Nationale-Nederlanden life insurance

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Adults in the Netherlands wanting a straightforward death benefit policy
  • People who prefer a monthly premium to a lump sum
  • Anyone comfortable taking cover from an insurer supervised by De Nederlandsche Bank and Autoriteit Financile Markten

Who should look elsewhere

  • People wanting online cover above the top of EUR 750,000 online, up to EUR 5,000,000 via adviser
  • Applicants outside 18-75 years
  • Shoppers wanting a single online-only provider such as Linxea

Who runs it

The policy is underwritten by NN Group N.V., an insurer rather than a broker, so the cover sits with the group itself. It is headquartered in the Netherlands and dates back to 1845, which gives it a long record in Dutch insurance. Group cover spans life, health and auto. Customer help runs on chat, phone and email, so questions can go to a person by phone, by email or in a chat.

How Nationale-Nederlanden life insurance compares

Where Nationale-Nederlanden life insurance is available

Available
Bonaire, Sint Eustatius and Saba, Netherlands
Licence in Netherlands
De Nederlandsche Bank (DNB), checked September 26, 2026
Licence in Netherlands
Autoriteit Financile Markten (AFM), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does this life cover pay out?+

It is a death benefit policy, so the sum insured is paid to named beneficiaries on death. Applying online the cover limit is EUR 750,000 online, up to EUR 5,000,000 via adviser, while an adviser can arrange the higher figure within the same range.

Who regulates this insurer?+

The group is supervised in the Netherlands by De Nederlandsche Bank and by Autoriteit Financile Markten. Both are named as regulators for the Dutch entity, the group behind NN Group N.V.

Can I pay the premium monthly?+

Yes. Monthly payments are available and monthly lists monthly as the payment model. That spreads the cost across the year instead of one annual charge, which suits people with steady monthly income.

How do I make a claim after a death?+

Claims can be started through online death notification form, phone and adviser, which includes an online death notification form, a phone line and an adviser. General questions are handled on chat, phone and email, covering chat, phone and email.

Who can take out this cover?+

Entry is limited to 18-75 years, so the policy starts at adulthood rather than for a child and ends at the upper end of that range. Applicants outside those ages need another provider with a wider band.

Is this an insurer or a broker?+

It is an insurer, listed as insurer in the group details. The group also writes auto, home, travel, health and income protection under life, health and auto, so the cover comes straight from the company.

How much cover can I get without an adviser?+

Applying online the limit is EUR 750,000 online, up to EUR 5,000,000 via adviser, which shows a much lower online figure and a higher adviser figure in one range. Anyone needing the top of that range goes through an adviser rather than the online route.

Where is the company based and how old is it?+

The group is registered as NN Group N.V. and is headquartered in the Netherlands. It was founded in 1845, so it has been operating in insurance for a substantial period.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Nationale-Nederlanden life insurance

Nationale-Nederlanden life insurance

Adults in the Netherlands wanting death benefit cover with monthly payments.

9.4/10See alternatives