{"id":21787,"date":"2026-09-28T17:12:18","date_gmt":"2026-09-28T15:12:18","guid":{"rendered":"https:\/\/www.finler.nl\/levensverzekering\/?p=21787"},"modified":"2026-10-08T12:07:08","modified_gmt":"2026-10-08T10:07:08","slug":"percentage-mensen-met-overlijdensrisicoverzekering","status":"publish","type":"post","link":"https:\/\/www.finler.nl\/levensverzekering\/faq\/percentage-gezinnen-met-overlijdensrisicoverzekering\/","title":{"rendered":"Percentage gezinnen met overlijdensrisicoverzekering"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row woodmart_css_id=&#8221;orv-bezit-artikel&#8221;][vc_column woodmart_css_id=&#8221;orv-bezit-kolom&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791384618470{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Ongeveer 55% van de Nederlandse gezinnen heeft een overlijdensrisicoverzekering (ORV) op beide partners. Circa 67% heeft een ORV op minstens \u00e9\u00e9n partner.<\/p>\n<p>De belangrijkste reden om een ORV af te sluiten is voorkomen dat partner en kinderen in de financi\u00eble problemen komen. De hypotheek is de grootste aanleiding. Hoe hoog het percentage is, hangt wel af van wie je meetelt. Hieronder zie je de cijfers per onderzoek.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; css=&#8221;.vc_custom_1790764140167{margin-right: 0px !important;margin-left: 0px !important;}&#8221; woodmart_css_id=&#8221;6abce4568466b&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWJjZTQ1Njg0NjZiIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column_inner css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791369155499{margin-bottom: 30px !important;padding-top: 22px !important;padding-right: 26px !important;padding-bottom: 22px !important;padding-left: 26px !important;background-color: #EBF9F9 !important;border-radius: 10px !important;}&#8221; woodmart_css_id=&#8221;6ac61fbd2c577&#8243; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWM2MWZiZDJjNTc3Iiwic2hvcnRjb2RlIjoidmNfY29sdW1uX2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnsicGFkZGluZy1yaWdodCI6IjIwcHgiLCJwYWRkaW5nLWxlZnQiOiIyMHB4In19fQ==&#8221; offset=&#8221;vc_col-xl-inherit vc_col-lg-inherit vc_col-md-12 vc_col-sm-inherit&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791288629927{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<p><strong>In het kort<\/strong><\/p>\n<p>[\/vc_column_text]\n\t\t<ul class=\" wd-rs-6ac6490f104c4 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-default text-left vc_custom_1791379778378\" id=\"wd-6ac6490f104c4\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t55% van de gezinnen heeft een ORV op beide partners\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHuurders zijn minder vaak verzekerd dan woningeigenaren\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tDe meeste mensen sluiten een ORV af bij het kopen van een huis\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fa fa-solid fa-circle-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHet belangrijkste doel is geldproblemen bij partner en kinderen voorkomen\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791410000002{margin-top: 5px !important;margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Hoeveel gezinnen hebben een ORV?<\/h2>\n<p>De meest recente cijfers komen uit een onderzoek van het Verbond van Verzekeraars onder 2.000 mensen van 18 t\/m 67 jaar die samenwonen met een partner en\/of kinderen. Het veldwerk vond plaats in december 2024.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; woodmart_css_id=&#8221;6ad0a1c000001&#8243; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243; el_class=&#8221;gelijke-vakken&#8221;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ad0a1c000011\" class=\" wd-rs-6ad0a1c000011 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791410000003\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">55%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Volledige ORV<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ad0a1c000011 .info-box-subtitle{background-color:  !important;}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ad0a1c000012\" class=\" wd-rs-6ad0a1c000012 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791410000004\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">12%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>ORV op \u00e9\u00e9n partner<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ad0a1c000012 .info-box-subtitle{background-color:  !important;}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ad0a1c000013\" class=\" wd-rs-6ad0a1c000013 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791410000005\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">29%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Geen ORV<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ad0a1c000013 .info-box-subtitle{background-color:  !important;}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/2&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ad0a1c000014\" class=\" wd-rs-6ad0a1c000014 wd-info-box wd-wpb text-center box-icon-align-top box-style- color-scheme- wd-bg-none vc_custom_1791410000006\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">4%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><p>Weet het niet<\/p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ad0a1c000014 .info-box-subtitle{background-color:  !important;}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791384677837{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Er zijn grote verschillen tussen groepen. Van de samenwonende woningeigenaren heeft 61% een ORV op beide partners. Bij huurders en jonge gezinnen ligt dat aandeel lager.[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;orv-bezit-groepen-rij&#8221;][vc_column_inner css=&#8221;.vc_custom_1791410000008{padding-right:15px !important;padding-left:15px !important;}&#8221; woodmart_css_id=&#8221;orv-bezit-groepen-col&#8221;]\t\t<div class=\"wd-wpb wd-rs-orv-bezit-groepen vc_custom_1791410000009\">\n\t\t\t<div class=\"wd-el-table-wrap wd-reset-all-last\">\n\t\t\t\t<table class=\"wd-el-table\">\n\t\t\t\t\t<tbody class=\"text-left\">\n\t\t\t\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-kop\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGroep\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-right\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVolledige ORV\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Woningeigenaren (met partner)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t61%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Sociale huur (met partner)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t41%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Particuliere huur (met partner)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t37%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Alleenstaande ouders<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t61%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-groepen-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Gezinnen 18 t\/m 30 jaar<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t59%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791410000010{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<small>Bron: <a href=\"https:\/\/www.verzekeraars.nl\/media\/k0rpy5c2\/rapport_onderzoek_onverzekerdheid_orv_2025.pdf\" target=\"_blank\" rel=\"noopener\">Verbond van Verzekeraars<\/a> (2025).<\/small>[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;orv-bezit-tip&#8221;][vc_column_inner css=&#8221;.vc_custom_1791410000011{padding-right:15px !important;padding-left:15px !important;}&#8221; woodmart_css_id=&#8221;orv-bezit-tip-col&#8221;]\n\t\t<div id=\"wd-6ac3d66cd805a\" class=\"title-wrapper wd-wpb wd-set-mb reset-last-child  wd-rs-6ac3d66cd805a wd-title-color-default wd-title-style-default text-left tipkader vc_custom_1791400003002 wd-title-empty wd-underline-colored\">\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-subtitle  subtitle-color-default font-default subtitle-style-background wd-font-weight-500 wd-fontsize-xs\">WAT IS EEN VOLLEDIGE ORV?<\/div>\n\t\t\t\n\t\t\t<div class=\"liner-continer\">\n\t\t\t\t<p class=\"woodmart-title-container title  wd-font-weight- wd-fontsize-l\" ><\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t<div class=\"title-after_title reset-last-child  wd-fontsize-xs\">In het onderzoek betekent volledig dat beide partners een ORV hebben. Bij een alleenstaande ouder betekent het dat de ouder zelf verzekerd is.<\/p>\n<p>Het zegt niets over de hoogte van het bedrag. Een stel met elk \u20ac50.000 dekking telt als volledig verzekerd, ook als de hypotheek \u20ac400.000 is.<\/div>\n\t\t\t\n\t\t\t\n\t\t<\/div>\n\t\t\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791410000012{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Wat zeggen andere onderzoeken?<\/h2>\n<p>Andere onderzoeken komen op lagere percentages uit. Dat komt vooral doordat ook alleenstaanden zonder kinderen meetellen. Zij hebben een ORV minder vaak nodig.[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;orv-bezit-onderzoeken-rij&#8221;][vc_column_inner css=&#8221;.vc_custom_1791410000013{padding-right:15px !important;padding-left:15px !important;}&#8221; woodmart_css_id=&#8221;orv-bezit-onderzoeken-col&#8221;]\t\t<div class=\"wd-wpb wd-rs-orv-bezit-onderzoeken vc_custom_1791410000014\">\n\t\t\t<div class=\"wd-el-table-wrap wd-reset-all-last\">\n\t\t\t\t<table class=\"wd-el-table\">\n\t\t\t\t\t<tbody class=\"text-left\">\n\t\t\t\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-onderzoeken-kop\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tOnderzoek\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tDoelgroep\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-right\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMet ORV\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-6ac6654901bd8\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>VvV \/ Miles Research (2023)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAlle volwassenen\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t30%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-6ac66555a857b\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>VvV \/ Miles Research (2023)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tWoningeigenaren\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t38%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-6ac6655d06563\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>VvV \/ Miles Research (2023)<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tHuurders\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t15%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-onderzoeken-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Allianz \/ GfK<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAlle huishoudens\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t29%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791386539464{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<small>Bron: <a href=\"https:\/\/www.verzekeraars.nl\/media\/zhzokvnn\/rapportage_miles_research_verzekering_als_nutsproduct.pdf\" target=\"_blank\" rel=\"noopener\">Verbond van Verzekeraars \/ Miles Research<\/a> (veldwerk 2023, ruim 17.000 volwassenen) en <a href=\"https:\/\/www.allianz.nl\/content\/dam\/onemarketing\/benelu\/allianz-nl\/local\/4\/400082-92.pdf\" target=\"_blank\" rel=\"noopener\">Allianz<\/a> (niet gedateerd)<br \/>\n<\/small><\/p>\n<h2>Waarvoor sluiten mensen een ORV af?<\/h2>\n<p>Het Verbond van Verzekeraars vroeg gezinnen met een ORV naar hun doel. Mensen konden meerdere antwoorden geven, dus de percentages tellen op tot meer dan 100%.[\/vc_column_text][vc_row_inner woodmart_css_id=&#8221;orv-bezit-doelen-rij&#8221;][vc_column_inner css=&#8221;.vc_custom_1791410000016{padding-right:15px !important;padding-left:15px !important;}&#8221; woodmart_css_id=&#8221;orv-bezit-doelen-col&#8221;]\t\t<div class=\"wd-wpb wd-rs-orv-bezit-doelen vc_custom_1791410000017\">\n\t\t\t<div class=\"wd-el-table-wrap wd-reset-all-last\">\n\t\t\t\t<table class=\"wd-el-table\">\n\t\t\t\t\t<tbody class=\"text-left\">\n\t\t\t\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-kop\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-left\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tDoel\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<th colspan=\"1\" rowspan=\"1\" class=\"text-right\" style=\"color: #ffffff;background-color: #621C5B;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tPercentage\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Geldproblemen partner voorkomen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t45%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Geldproblemen kinderen voorkomen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t30%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Hypotheek aflossen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t30%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-4\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Extra kosten opvangen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t26%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-5\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Verplicht bij hypotheek of lening<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t23%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Inkomen aanvullen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t22%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-7\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Studie kinderen veiligstellen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t12%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-8\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Onbetaald verlof betaalbaar maken<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t12%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-9\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Lening of krediet aflossen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t12%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-10\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Extra kosten kinderopvang<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t9%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t<tr class=\" wd-rs-orv-bezit-doelen-11\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-left\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<strong>Huur blijven betalen<\/strong>\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<td colspan=\"1\" rowspan=\"1\" class=\"text-right\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t8%\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/tbody>\n\t\t\t\t<\/table>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791410000018{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<small>Bron: <a href=\"https:\/\/www.verzekeraars.nl\/media\/k0rpy5c2\/rapport_onderzoek_onverzekerdheid_orv_2025.pdf\" target=\"_blank\" rel=\"noopener\">Verbond van Verzekeraars<\/a> (2025), n=1.103.<\/small><\/p>\n<h2>Wanneer sluiten mensen een ORV af?<\/h2>\n<p>De aanleiding verschilt sterk tussen kopers en huurders. Kopers sluiten de verzekering meestal af samen met de hypotheek. Bij huurders is het vaker een verandering in het gezin.[\/vc_column_text][vc_row_inner gap=&#8221;0px&#8221; equal_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1791387536899{margin-bottom: 0px !important;}&#8221; woodmart_css_id=&#8221;6ac6678bc963a&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243; el_class=&#8221;gelijke-vakken&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YWM2Njc4YmM5NjNhIiwic2hvcnRjb2RlIjoidmNfcm93X2lubmVyIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221;][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ac666725a531\" class=\" wd-rs-6ac666725a531 wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top vc_custom_1791387392653\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<div class=\"info-box-subtitle wd-fontsize-s subtitle-style-background\">Kopers<\/div><p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">58%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/p>\n<p>bij afsluiten van hypotheek<\/p>\n<p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ac666725a531 .info-box-subtitle{}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ac667011cbb0\" class=\" wd-rs-6ac667011cbb0 wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top vc_custom_1791387405731\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<div class=\"info-box-subtitle wd-fontsize-s subtitle-style-background\">Huurders<\/div><p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">22%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/p>\n<p>bij het krijgen van kinderen<\/p>\n<p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ac667011cbb0 .info-box-subtitle{}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][vc_column_inner css_animation=&#8221;none&#8221; width=&#8221;1\/3&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;]\t\t\t<div class=\"info-box-wrapper\">\n\t\t\t\t\t\t\t\t<div id=\"wd-6ac6670ea3389\" class=\" wd-rs-6ac6670ea3389 wd-info-box wd-wpb text-left box-icon-align-left box-style- color-scheme- wd-bg-none wd-items-top vc_custom_1791387418853\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"info-box-content\">\n\t\t\t\t\t\t<div class=\"info-box-subtitle wd-fontsize-s subtitle-style-background\">Huurders<\/div><p class=\"info-box-title title wd-font-weight-700 box-title-style-default font-text wd-fontsize-xl\">20%<\/p>\t\t\t\t\t\t<div class=\"info-box-inner reset-last-child\"><\/p>\n<p>bij het samenwonen<\/p>\n<p>\n<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\n\t\t\t\t\t<style>#wd-6ac6670ea3389 .info-box-subtitle{}<\/style>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t[\/vc_column_inner][\/vc_row_inner][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791387542909{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<p><small>Bron: <a href=\"https:\/\/www.verzekeraars.nl\/media\/k0rpy5c2\/rapport_onderzoek_onverzekerdheid_orv_2025.pdf\" target=\"_blank\" rel=\"noopener\">Verbond van Verzekeraars<\/a> (2025).<\/small><\/p>\n<h2>Waarom heeft niet iedereen een ORV?<\/h2>\n<p>Een ORV is niet verplicht. Ook Nationale Hypotheek Garantie eist geen overlijdensrisicoverzekering. Lees meer over <a href=\"..\/faq\/hypotheek\/\">levensverzekering bij je hypotheek<\/a>. Volgens het ANP sluiten steeds minder mensen een ORV af bij de financiering van hun huis.<\/p>\n<p>Huurders krijgen bovendien geen adviesgesprek zoals bij een hypotheek. Jonge gezinnen onder de 40 zeggen vooral dat ze er nog niet over hebben nagedacht of er niet aan toe zijn gekomen. Ook opleiding speelt mee: van de hoogopgeleiden heeft 39% een ORV, van de lageropgeleiden 20%.<\/p>\n<p><small>Let op: deze cijfers komen uit enqu\u00eates waarin mensen zelf aangeven welke verzekeringen ze hebben. De onderzoeken kijken ook naar verschillende groepen. Een officieel CBS-cijfer over ORV-bezit is er niet.<\/small><\/p>\n<p>[\/vc_column_text][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791410000023{margin-bottom: 15px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h2>Veelgestelde vragen<\/h2>\n<p>[\/vc_column_text]\n\t\t<div id=\"wd-orv-bezit-faq\" class=\"wd-accordion wd-wpb wd-rs-orv-bezit-faq vc_custom_1791410000024 wd-style-shadow wd-titles-left wd-opener-pos-right wd-opener-style-plus\" data-state=\"all_closed\">\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"0\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tHoeveel procent van de gezinnen heeft een ORV?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Volgens het Verbond van Verzekeraars heeft 55% van de gezinnen een ORV op beide partners. Ongeveer 67% heeft een ORV op minstens \u00e9\u00e9n partner.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"1\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tWat is een volledige ORV?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"1\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Daarmee bedoelen onderzoekers dat beide partners een ORV hebben. Het zegt niets over de hoogte van het verzekerde bedrag.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"2\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tHebben huurders vaak een ORV?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"2\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Minder vaak dan kopers. Van de samenwonende huurders heeft 41% in de sociale huur en 37% in de particuliere huur een ORV op beide partners.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t<div class=\"wd-accordion-item\">\n\t\t\t\t\t<div class=\"wd-accordion-title wd-role-btn font-primary wd-fontsize-s wd-font-weight-600\" data-accordion-index=\"3\" tabindex=\"0\">\n\t\t\t\t\t\t<div class=\"wd-accordion-title-text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>\n\t\t\t\t\t\t\t\tIs een ORV verplicht bij een hypotheek?\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<span class=\"wd-accordion-opener\"><\/span>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"wd-accordion-content wd-entry-content\" data-accordion-index=\"3\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Nee. Er is geen wettelijke plicht en NHG eist geen ORV. Een geldverstrekker kan bij een hypotheek zonder NHG wel eigen voorwaarden stellen.<\/p>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row woodmart_css_id=&#8221;orv-bezit-artikel&#8221;][vc_column woodmart_css_id=&#8221;orv-bezit-kolom&#8221;][vc_column_text css_animation=&#8221;none&#8221; css=&#8221;.vc_custom_1791384618470{margin-bottom: 25px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]Ongeveer 55% van de Nederlandse gezinnen heeft een overlijdensrisicoverzekering (ORV) op beide<\/p>\n","protected":false},"author":76,"featured_media":21810,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-21787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-algemeen"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21787","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/users\/76"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/comments?post=21787"}],"version-history":[{"count":5,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21787\/revisions"}],"predecessor-version":[{"id":21792,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/posts\/21787\/revisions\/21792"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media\/21810"}],"wp:attachment":[{"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/media?parent=21787"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/categories?post=21787"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finler.nl\/levensverzekering\/wp-json\/wp\/v2\/tags?post=21787"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}