Mortgage Questionnaire

Death
A life insurance policy pays a pre-agreed amount if the insured person dies before the end date of the insurance. Some lenders make it compulsory to take out a life insurance policy.
This insurance is also often taken out for the relatives, for example to enable the family or partner who are left behind to be able to (partially) pay off the mortgage or to stop working to raise the children.
In this article you can read more about the main features of life insurances and we give you the most important focus points.

What does {{VOORNAAM1}} consider important with regard to the risk of death and taking out a life insurance policy?

Does {{VOORNAAM1}} smoke or have you smoked in the previous 24 months?

People who do not smoke usually receive a lower premium because a special non-smoking rate is often applied. You will receive that discount if you do not smoke now and have not smoked for at least the previous 24 months. Nicotine patches, nicotine gum and electronic cigarettes are also seen as smoking.

What does {{VOORNAAM2}} consider important with regard to the risk of death and taking out a life insurance policy?

Does {{VOORNAAM2}} smoke or have you smoked in the previous 24 months?

People who do not smoke usually receive a lower premium because a special non-smoking rate is often applied. You will receive that discount if you do not smoke now and have not smoked for at least the previous 24 months. Nicotine patches, nicotine gum and electronic cigarettes are also seen as smoking.

Disability and unemployment
Disability insurance or housing costs insurance pays a periodic (usually monthly) payment in the event of illness or disability of the insured person.
As disability can have a major impact on the affordability of the mortgage and your general living costs, it is good to check what is sensible in your situation.

With regard to unemployment, it is generally advisable to maintain a sufficient savings buffer, which you can use to bridge a temporary period of unemployment. You can also insure the risk of temporary unemployment for a period of 1 or 2 years as additional cover on the disability or housing costs insurance.

What is important to {{VOORNAAM1}} regarding disability and taking out disability insurance for this?

I don't want to talk about this during the consultation at Viisi, I don't want to be advised about this now
No idea yet, I would like to receive some advice
In this case, we would move back to our home country or another country and sell the property, (largely) repaying the debt
That the entire monthly payment can continue to be paid from the insurance coverage
That we can still make ends meet every month
I want to discuss this extensively because more may be needed than just being able to continue paying the monthly mortgage costs
If I become incapacitated for work, I want my partner not to be stuck with a possible debt
Check my current insurance(s) and change if necessary

What is important to {{VOORNAAM2}} regarding disability and taking out disability insurance for this?

I don't want to talk about this during the consultation at Viisi, I don't want to be advised about this now
That the entire monthly payment can continue to be paid from the insurance coverage
No idea yet, I would like to receive some advice
In this case, we would move back to our home country or another country and sell the property, (largely) repaying the debt
That we can still make ends meet every month
I want to discuss this extensively because more may be needed than just being able to continue paying the monthly mortgage costs
If I become incapacitated for work, I want my partner not to be stuck with a possible debt
Check my current insurance(s) and change if necessary

If {{VOORNAAM1}} becomes unemployed, what applies to your situation?

Within a couple of months I can find a job with a similar income
Within a couple of months I can find a job with 70% of my current income
It will be difficult for me to find a new job within a couple of months
In this case, we would move back to our home country or another country and sell the property, (largely) repaying the debt
We have a sufficient savings buffer to bridge unemployment for several months
Our savings buffer is insufficient to bridge unemployment for several months
{{VOORNAAM1}} currently has no income

If {{VOORNAAM2}} becomes unemployed, what applies to your situation?

Within a couple of months I can find a job with a similar income
Within a couple of months I can find a job with 70% of my current income
It will be difficult for me to find a new job within a couple of months
In this case, we would move back to our home country or another country and sell the property, (largely) repaying the debt
We have a sufficient savings buffer to bridge unemployment for several months
Our savings buffer is insufficient to bridge unemployment for several months
{{VOORNAAM2}} currently has no income

Do you want to be advised about the possible insurance solutions in the event of unemployment?

Yes
No

Step 1 of 9

1. Personal situation

2. Mortgage

3. Risks and insurances