DH Reinsurance focuses on the individual life insurance market and especially on the life insurance segment. We specialize in (re)insuring difficult-to-insure medical risks. Since 1905, our social mission has remained unchanged. We believe that everyone should be able to obtain good term life insurance, and we are happy to help insurers do just that. Our reinsurance options allow insurers to accept 90% of their customers with medical conditions.

In 2024, we succeeded in making progress not only in the Netherlands, but also internationally - where we operate under the name DH Reinsurance. In Germany and the United Kingdom, together with our distribution partners and insurers, we were able to achieve a significant expansion of people's insurability. In the Netherlands, the introduction of De Hoop Maatwerkroute in 2024 has increased applications and policies.

De Hoop Maatwerkroute is an important step we have taken to give people who have been turned down the opportunity to take out life insurance. Insurers point out this possibility to people they reject for medical reasons. Allianz, a.s.r., Centraal Beheer, De Goudse Verzekeringen, FBTO, Interpolis, Nationale Nederlanden and Scildon are affiliated with this initiative.

In this annual report, we present DH Reinsurance's financial position and results for year 2024. We are grateful for the cooperation with our partners and the trust customers have in us. In 2025, we are proud to celebrate our 120th anniversary - a milestone that underscores our dedication to our mission. With the same drive, we remain committed to giving even more people with an elevated death risk a fair shot at appropriate insurance.