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Life insurance can be effected in order to insure oneself against the financial consequences of "untimely" death. You may consider the monthly mortgage payments, for example. In the Netherlands, insurance covering this is referred to as "overlijdensrisicoverzekering" or simply "risicoverzekering".

Another type of life insurance is "uitvaartverzekering", covering the costs of funeral or cremation. There are many possibilities for either cash-based or non-cash arrangements.

Finally, there are pension schemes, they may be called "privé-pensioen" or "lijfrente".

All life insurance premiums depend on the insured's age and physical condition, the duration and the sum insured.