This question was closed without grading. Reason: No acceptable answer
Nov 17, 2017 14:55
6 yrs ago
14 viewers *
Dutch term
United Kingdom
Experienced technical/patent translator
Native in: English (Variants: US, British) 
Works in: Dutch to English, Flemish to English, English to Dutch, and 2 more.
overlijdensrisicoverzekering
Dutch to English
Bus/Financial
Insurance
Collectief werknemerspensioen offered to a Dutch B.V.
I am working on a document in which Centraal Beheer is offering a company (A Dutch B.V.) a "Collectief werknemerspensioen" (in an "offerte").
The document then mentions: an "overlijdensrisicoverzekering". Now, there are many ways to translate this term.
Here is my context:
"Voor de bepaling van de overlijdensrisicoverzekering gelden de volgende uitgangspunten:
• Pensioengevend salaris: 1 maal het brutojaarsalaris
• overlijdensrisicoverzekering: 8% vakantietoeslag
…
Franchise overlijdensrisicoverzekering:
Dat deel van het salaris waarover voor deelnemers geen overlijdensrisico
is verzekerd.
Voor het jaar 2018: € xx.xxx,00.
Deze franchise passen wij jaarlijks per 1 januari aan de dan geldende wettelijk minimale franchise aan."
*****************************
FELOnline and JurLex have a lot to say on the matter, but I can't figure out which English translation is the right one based on my scant context. This is not my favourite field, so please try not to laugh if this is blatantly obvious.
*****************************
• • FELOnline:
overlijdensrisicoverzekering =
term life insurance
term insurance
*****************************
overlijdensrisicoverzekering [alleen uitkering bij in leven zijn op einddatum] =
fixed term insurance
life assurance
*****************************
overlijdensrisicoverzekering [gericht op inkomensbescherming] =
family income protection insurance
*****************************
overlijdensrisicoverzekering [keert alleen uit bij overlijden tijdens de contractperiode, anders geen uitkering] [bij hypotheek voor eigen woning] =
death risk insurance
*****************************
overlijdensrisicoverzekering [uitkering op bepaalde datum of bij eerder overlijden] [bij hypotheek voor eigen woning] =
endowment insurance
*****************************
annuïtair dalende overlijdensrisicoverzekering [verzekerd bedrag daalt jaarlijks op basis van de gekozen annuïteit] =
decreasing term insurance [death benefit decreases each year according to a predetermined annuity schedule]
*****************************
annuïteitenoverlijdensrisicoverzekering =
annuity term insurance
*****************************
gelijkblijvende overlijdensrisicoverzekering [verzekerd bedrag en premie blijven gelijk gedurende de gehele looptijd] =
level-premium insurance [premiums remain the same throughout the duration of the contract]
*****************************
levenslange overlijdensrisicoverzekering =
whole-life insurance
whole of life insurance
permanent life insurance [cash-value policies]
*****************************
lineair dalende overlijdensrisicoverzekering [verzekerd bedrag daalt jaarlijks met een gelijk bedrag, premie blijft gelijk] =
decreasing term insurance [death benefit decreases at a predetermined rate over the life of the policy, level premiums]
*****************************
tijdelijke overlijdensrisicoverzekering [alleen uitkering bij overlijden vóór einddatum] =
term life insurance
term insurance
*****************************
• • JurLex is more succinct:
overlijdensrisicoverzekering =
(met alleen uitkering bij in leven zijn op einddatum) fixed term insurance
(met uitkering bij overlijden voor einddatum) term life insurance
annuïtair dalende overlijdensrisicoverzekering =
decreasing term life insurance
gelijkblijvende overlijdensrisicoverzekering =
level term life insurance
overlijdensrisicoverzekering tegen leeftijdsafhankelijke premiebetaling =
life insurance with age-based premium
The document then mentions: an "overlijdensrisicoverzekering". Now, there are many ways to translate this term.
Here is my context:
"Voor de bepaling van de overlijdensrisicoverzekering gelden de volgende uitgangspunten:
• Pensioengevend salaris: 1 maal het brutojaarsalaris
• overlijdensrisicoverzekering: 8% vakantietoeslag
…
Franchise overlijdensrisicoverzekering:
Dat deel van het salaris waarover voor deelnemers geen overlijdensrisico
is verzekerd.
Voor het jaar 2018: € xx.xxx,00.
Deze franchise passen wij jaarlijks per 1 januari aan de dan geldende wettelijk minimale franchise aan."
*****************************
FELOnline and JurLex have a lot to say on the matter, but I can't figure out which English translation is the right one based on my scant context. This is not my favourite field, so please try not to laugh if this is blatantly obvious.
*****************************
• • FELOnline:
overlijdensrisicoverzekering =
term life insurance
term insurance
*****************************
overlijdensrisicoverzekering [alleen uitkering bij in leven zijn op einddatum] =
fixed term insurance
life assurance
*****************************
overlijdensrisicoverzekering [gericht op inkomensbescherming] =
family income protection insurance
*****************************
overlijdensrisicoverzekering [keert alleen uit bij overlijden tijdens de contractperiode, anders geen uitkering] [bij hypotheek voor eigen woning] =
death risk insurance
*****************************
overlijdensrisicoverzekering [uitkering op bepaalde datum of bij eerder overlijden] [bij hypotheek voor eigen woning] =
endowment insurance
*****************************
annuïtair dalende overlijdensrisicoverzekering [verzekerd bedrag daalt jaarlijks op basis van de gekozen annuïteit] =
decreasing term insurance [death benefit decreases each year according to a predetermined annuity schedule]
*****************************
annuïteitenoverlijdensrisicoverzekering =
annuity term insurance
*****************************
gelijkblijvende overlijdensrisicoverzekering [verzekerd bedrag en premie blijven gelijk gedurende de gehele looptijd] =
level-premium insurance [premiums remain the same throughout the duration of the contract]
*****************************
levenslange overlijdensrisicoverzekering =
whole-life insurance
whole of life insurance
permanent life insurance [cash-value policies]
*****************************
lineair dalende overlijdensrisicoverzekering [verzekerd bedrag daalt jaarlijks met een gelijk bedrag, premie blijft gelijk] =
decreasing term insurance [death benefit decreases at a predetermined rate over the life of the policy, level premiums]
*****************************
tijdelijke overlijdensrisicoverzekering [alleen uitkering bij overlijden vóór einddatum] =
term life insurance
term insurance
*****************************
• • JurLex is more succinct:
overlijdensrisicoverzekering =
(met alleen uitkering bij in leven zijn op einddatum) fixed term insurance
(met uitkering bij overlijden voor einddatum) term life insurance
annuïtair dalende overlijdensrisicoverzekering =
decreasing term life insurance
gelijkblijvende overlijdensrisicoverzekering =
level term life insurance
overlijdensrisicoverzekering tegen leeftijdsafhankelijke premiebetaling =
life insurance with age-based premium
Proposed translations
(English)
| 4 +1 | term life insurance |
Bryan Crumpler
|
| 3 | death-in-service cover; death-in-service insurance |
Kitty Brussaard
|
Proposed translations
+1
38 mins
Bryan Crumpler
United States
United States
Native in English
Specializes in field
United States
Prepared, precise, & professional!
Native in: English (Variants: US, Australian, Indian, Canadian, New Zealand, Scottish, US South, British, UK, Irish, South African) 
Works in: Dutch to English, Flemish to English, Afrikaans to English, and 3 more.
Related KudoZ points
:
8
term life insurance
...is the obvious go-to. May differ based on your target audience, which is merely determined by country and whether the company offering said insurance product has a company-specific name for it.
It's quasi synonymous with "whole life insurance", but you need to determine specifics of the insurance product to make that call. If you don't have the resources to do this, start here:
https://www.nerdwallet.com/blog/insurance/what-is-the-differ...
It's quasi synonymous with "whole life insurance", but you need to determine specifics of the insurance product to make that call. If you don't have the resources to do this, start here:
https://www.nerdwallet.com/blog/insurance/what-is-the-differ...
1 hr
Kitty Brussaard
Netherlands
Netherlands
Native in Dutch
Netherlands
Business Language Solutions
Native in: Dutch (Variant: Netherlands)
Works in: English to Dutch, Dutch to English, Dutch
Related KudoZ points
:
32
Dutch term (edited):
overlijdensrisicoverzekering [context: collective pension plan/scheme]
death-in-service cover; death-in-service insurance
Perhaps the below examples also apply in your context.
Death-In-Service Cover provides a lump sum benefit should an individual die whilst employed by your organisation. They do not have to die while at work, or as a result of a work activity, they just have to be on your payroll.
https://www.honigenhonig.nl/collectieve-overlijdensrisicover...
This can be a valuable benefit, but some employers are more generous than others and this can be an added attraction to help attract and retain staff. Often, the cover is linked to the company pension, so you would have to be a member of the pension scheme to qualify for any death-in-service pay out.
https://www.proteanrisk.com/insights/2016/why-provide-death-...
The problem arises in relation to death‐in‐service benefits which are provided through a registered pension scheme. These can normally be paid to beneficiaries of a deceased scheme member free of tax, but when added to the value of the accrued fund they could push the total over the limit and result in the 55% tax charge.
http://www.goldbergsteele.co.uk/downloads/newsaugust2014.pdf
If you are considering starting a pension, find out whether your employer runs a scheme and whether you are eligible to join it. As most employers make a contribution towards an employee's pension, a workplace pension scheme is a great perk.
Workplace schemes also tend to have add-on benefits of life insurance (sometimes called death-in-service benefits).
https://www.theguardian.com/money/2001/aug/15/savingforretir...
Pension scheme death benefits
Types of death benefits
Death benefits can be paid on death in service, death in deferment and death in retirement and will vary depending on scheme design and on whether the scheme is a money purchase scheme or a defined benefit (DB) scheme.
https://uk.practicallaw.thomsonreuters.com/w-006-9777?origin...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 16:59:47 GMT)
--------------------------------------------------
Assuming this is about a 'collectieve overlijdensrisicoverzekering', see also the following links:
https://www.honigenhonig.nl/collectieve-overlijdensrisicover... https://www.generali.nl/pensioen/collectieve-overlijdensrisi...
https://www.befrank.nl/werknemer/waarom-heeft-je-werkgever-v...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 17:06:18 GMT)
--------------------------------------------------
http://docplayer.nl/2151008-Collectieve-overlijdensrisicover...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 17:12:36 GMT)
--------------------------------------------------
https://www.uswitch.com/life-insurance/death-in-service-cove...
Death-In-Service Cover provides a lump sum benefit should an individual die whilst employed by your organisation. They do not have to die while at work, or as a result of a work activity, they just have to be on your payroll.
https://www.honigenhonig.nl/collectieve-overlijdensrisicover...
This can be a valuable benefit, but some employers are more generous than others and this can be an added attraction to help attract and retain staff. Often, the cover is linked to the company pension, so you would have to be a member of the pension scheme to qualify for any death-in-service pay out.
https://www.proteanrisk.com/insights/2016/why-provide-death-...
The problem arises in relation to death‐in‐service benefits which are provided through a registered pension scheme. These can normally be paid to beneficiaries of a deceased scheme member free of tax, but when added to the value of the accrued fund they could push the total over the limit and result in the 55% tax charge.
http://www.goldbergsteele.co.uk/downloads/newsaugust2014.pdf
If you are considering starting a pension, find out whether your employer runs a scheme and whether you are eligible to join it. As most employers make a contribution towards an employee's pension, a workplace pension scheme is a great perk.
Workplace schemes also tend to have add-on benefits of life insurance (sometimes called death-in-service benefits).
https://www.theguardian.com/money/2001/aug/15/savingforretir...
Pension scheme death benefits
Types of death benefits
Death benefits can be paid on death in service, death in deferment and death in retirement and will vary depending on scheme design and on whether the scheme is a money purchase scheme or a defined benefit (DB) scheme.
https://uk.practicallaw.thomsonreuters.com/w-006-9777?origin...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 16:59:47 GMT)
--------------------------------------------------
Assuming this is about a 'collectieve overlijdensrisicoverzekering', see also the following links:
https://www.honigenhonig.nl/collectieve-overlijdensrisicover... https://www.generali.nl/pensioen/collectieve-overlijdensrisi...
https://www.befrank.nl/werknemer/waarom-heeft-je-werkgever-v...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 17:06:18 GMT)
--------------------------------------------------
http://docplayer.nl/2151008-Collectieve-overlijdensrisicover...
--------------------------------------------------
Note added at 2 hrs (2017-11-17 17:12:36 GMT)
--------------------------------------------------
https://www.uswitch.com/life-insurance/death-in-service-cove...
Reference comments
1 hr
Jack den Haan
Netherlands
Netherlands
Native in Dutch
&
English
Netherlands
Qualified engineer, translator & teacher
Native in: Dutch , English (Variants: US, UK)
Works in: Dutch to English, English to Dutch
Related KudoZ points
:
24
Reference:
Woordenboek Verzekeringsbedrijf [Kluwer/Vermeij]
At the risk of adding to the confusion...
Vermeij renders 'overlijdensrisicoverzekering' as 'life assurance'.
Vermeij renders 'overlijdensrisicoverzekering' as 'life assurance'.
Peer comments on this reference comment:
| neutral |
Bryan Crumpler
: To clear up the confusion, cf. AG, KBC, Delta Lloyd, BNP Paribas, Fortis, NN... andhttps://www.nhp.nl/overlijdensrisicoverzekering/faq/soorten/...
15 mins
|
Discussion