{"type":"document","data":{"id":"02854cbd-20e7-487e-8227-fa7e1a3bd102","localeString":"en-GB","publishDate":"2026-04-13T14:49:23.473+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Life mortgage raise without advice"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/57a1922f-d1fb-4f95-9526-f680f2cd7527/Close-up-of-potted-plants-on-table-in-cafe","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/46c70251bc2dc7d0/original/Close-up-of-potted-plants-on-table-in-cafe.jpg","extension":"jpg"},"title":"Life insurance","subtitle":"What happens in the event of decease?"},"backLink":{"textLink":{"url":"/en/personal/mortgage/your-mortgage","text":"Your ING mortgage"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"Will I still be able to pay my mortgage?","richBody":{"value":"<p>Did you take out the mortgage together with your partner? If so, the decease of one of you will probably result in a loss of income. In addition to your own income, you may be entitled to a descendants pension or other benefits. The question is whether the surviving partner will be able to continue to pay the mortgage. Also consider any additional costs in the new situation. For example, for extra childcare so that you can continue to work.</p><p>To limit the impact on the affordability of the mortgage payments, there are several things you can arrange in advance</p><ul><li>Discuss with each other what will happen if one of you dies</li><li>Have a will drawn up</li><li>Take out life insurance </li></ul>"},"textLinks":[{"url":"/particulier/hypotheek/overlijden-hypotheek","text":"Read more here about what you can arrange in advance or need to do in the event of decease."}]},{"componentType":"paragraph","title":"Do you have life insurance?","richBody":{"value":"<p><strong>Investigate whether the premium can be reduced</strong></p><p>Life insurance premiums have fallen in recent years. Do you have life insurance? If so, you may be able to benefit from a lower premium. However, there are several factors that influence the premium. The amount of the premium depends on the following factors, among others:</p><ul><li>Your age at the time of taking out the insurance</li><li>The term of the insurance</li><li>The amount you are insuring</li><li>Whether the amount you insure remains the same, decreases or increases during the term</li><li>Whether the insurance pays out if one person dies or whether two people are insured</li><li>There may be an increased risk. For example, due to your health situation or whether or not you smoke. You will usually be required to complete a questionnaire about this.</li></ul><p>Please note: do not cancel your current life insurance policy before a new policy has been accepted. An insurer may refuse your application for a new life insurance policy or charge a higher premium based on conditions and medical examination. Avoid ending up unintentionally uninsured or paying a higher premium.<br />ING does not act as an intermediary for life insurance policies. Therefore, compare providers yourself on the internet or consult an insurance broker. There may be costs associated with transferring, taking out and/or pledging a new life insurance policy. Make sure you are well informed about this in advance.</p>"}},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/verhogen-zonder-advies","text":"Raise without advice"},{"url":"/particulier/hypotheek/jouw-hypotheek/inkomensrisicos","text":"Income risks"}]},{"componentType":"linkList","iconTitle":{"title":"Alles wat je nodig hebt"},"textLinks":[{"url":"/particulier/hypotheek/jouw-hypotheek/verhogen-zonder-advies","text":"Verhogen Zonder Advies"},{"url":"/particulier/hypotheek/advieskosten/nieuwe-verhoging-hypotheek","text":"Kosten van verhogen"},{"url":"/particulier/hypotheek/jouw-hypotheek/kennis-en-ervaringstoets","text":"Kennis- en ervaringstoets"},{"url":"/particulier/hypotheek/jouw-hypotheek/overwegingen-hoogte-hypotheek","text":"Overwegingen hoogte hypotheek"},{"url":"/particulier/hypotheek/jouw-hypotheek/keuze-hypotheekvorm","text":"Keuze aflosvorm"},{"url":"/particulier/hypotheek/jouw-hypotheek/nhg-en-verhogen","text":"NHG en verhogen"},{"url":"/particulier/hypotheek/jouw-hypotheek/keuze-rentevaste-periode","text":"Keuze rentevaste periode"},{"url":"/particulier/hypotheek/actuele-hypotheekrente/actieve-betaalrekening-korting","text":"Actieve Betaalrekening Korting"},{"url":"/particulier/hypotheek/jouw-hypotheek/keuze-looptijd","text":"Keuze looptijd"},{"url":"/particulier/hypotheek/jouw-hypotheek/hypotheekrenteaftrek-voor-verhogingen","text":"Hypotheekrenteaftrek"},{"url":"/particulier/hypotheek/jouw-hypotheek/inkomensrisicos","text":"Inkomensrisico's"},{"url":"/particulier/hypotheek/jouw-hypotheek/waarde-van-de-woning","text":"Waarde van de woning (taxatie of ING Calcasa Desktoptaxatie)"},{"url":"/particulier/hypotheek/jouw-hypotheek/bouwdepot","text":"Bouwdepot"},{"url":"/particulier/hypotheek/jouw-hypotheek/wanneer-langs-de-notaris","text":"Langs de notaris"},{"url":"/particulier/hypotheek/jouw-hypotheek/extra-aflossen","text":"Extra aflossen"}]}]}}}