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At AOVKompas, we help self-employed professionals in the Netherlands secure income protection through personalized disability insurance guidance — especially when others say it’s not possible.
Founded by Martin Dupuis and Norbert Bakker, a seasoned specialist with over 15 years of experience in complex AOV (arbeidsongeschiktheidsverzekering) cases, AOVKompas was created for one purpose: to help freelancers, consultants, and small business owners navigate the confusing world of disability insurance. Many of our clients come to us after being rejected by standard insurers due to medical history, age, or the nature of their profession. Others are simply overwhelmed by comparison tools and legal jargon.
We’re not an insurance company. We’re not a generic comparison site. We’re a specialized intake and advisory platform that matches entrepreneurs with the best-fitting AOV options — including niche providers that don’t appear on traditional platforms. What sets us apart is our unique 5-step acceptance strategy, which includes a personal intake, insurer matching based on risk profiles, and tailored support for those who have previously been denied coverage.
We offer free, no-obligation intakes, and clients only pay for advanced advisory services if they move forward. In return, they benefit from significantly better acceptance rates (94% of previously denied applicants get insured through us) and often lower monthly premiums. Our approach is personal, transparent, and built around real-life situations.
Whether you’re a healthy startup founder, a 50+ independent consultant, or someone recovering from burnout or other medical challenges — AOVKompas gives you a clear route to protection, peace of mind, and continuity. We speak human, not insurance.