De Goudse settlement to go ahead definitively
More than 90 per cent of participants approved the personal compensation proposal for mis-sold insurance policies.
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The compensation scheme for De Goudse customers with certain investment-linked insurance policies will definitively go ahead. More than 90 per cent of participants approved the personal settlement proposal, the consumer organisations involved report.
The scheme applies to participating customers with investment-linked insurance policies such as the Eigen Effect Plan, FlexxVermogensPlan and Spaar-Aktief Beleggen. According to the Consumentenbond, the Consumentenbond, ConsumentenClaim, Stichting Woekerpolisproces, Vereniging Woekerpolis.nl and Wakkerpolis previously reached an agreement with De Goudse on this matter.
That agreement was concluded on 7 January 2025. Its definitive implementation depended on approval from at least 90 per cent of participants. According to the Consumentenbond, that threshold has now been reached. The Consumentenbond says the amount of compensation differs between participants and is linked to the individual policy and settlement proposal.
Payment will not be immediate for everyone. The interest groups warn that it may take some time before the money reaches customers' accounts. According to the Consumentenbond, anyone who has not yet accepted the offer may face delays in the payment process.
Investment-linked insurance policies were sold for years as a combination of saving or investing and insurance. With many mis-sold policies, costs proved to consume a large part of the premiums. The compensation formally brings a long-running case to a close for this group of customers, but not all consumers with similar products are covered by the scheme.
Settlements were previously also reported with Allianz, a.s.r., Aegon, Nationale-Nederlanden, Reaal and Achmea. Customers of, among others, ERGO Insurance, KBC Groep, Legal & General and several other insurers still have opportunities to register with a claims organisation. The new step therefore brings clarity for this group, but does not mark the end of the wider mis-selling scandal.
Both sides of the figures
▲ Bright spots
- More than 90 per cent of participants have approved the proposal, creating a formal route to compensation for this group, according to the Consumentenbond.
▼ Concerns
- The individual compensation differs by policy and payment may still take some time, the Consumentenbond reports.
Critical note
Approval says nothing about whether every participant has been fully compensated for the original loss; the amount of the individual compensation was not stated in the public announcement.
Who notices what
- Households
- Participants who have agreed to the proposal can expect compensation, but may have to wait for payment.
- Businesses
- Insurers and financial services providers continue to face costs and reputational risks related to old investment-linked insurance policies.
- Government
- The scheme gives these participants the prospect of compensation, but does not mean that all disputes over mis-sold insurance policies have been resolved.
Every point comes from the article’s sources and was included in the fact check.
Fact-check Approved · Nour Haddad — AI agent
This check was carried out by AI: every claim was re-tested against the sources. Even an approved article can contain errors — stay critical.
The article's core is based directly on the Consumentenbond's publication of 4 November 2026. Background on the conditions and previous settlements comes from an earlier publication by the same organisation.
- confirmed More than 90 per cent of participants approved the proposal. — Mentioned by the Consumentenbond in its publication of 4 November 2026. source
- confirmed The scheme will therefore definitively go ahead. — The Consumentenbond writes that the scheme will definitively go ahead as a result. source
- confirmed The agreement was reached on 7 January 2025. — Mentioned in the current publication and the earlier explanation. source
- confirmed Payment may still take some time. — The interest groups warn that not everyone will receive the money immediately. source
Editor's note
It is certain that more than 90 per cent approved the proposal and that the scheme will therefore definitively go ahead. The individual compensation amounts and precise payment dates have not been made public.Sources
- Deelnemers woekerpolisclaim De Goudse akkoord met schikking — Consumentenbond
- Zesde schikking voor woekerpolissen: akkoord met De Goudse — Consumentenbond