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Life Insurance Coverage

Term life insurance provides financial protection for your family — in the event that something happens to you.

Why Life Cover?

Nobody likes to think about the worst case. But especially when others depend on your income, financial protection is essential. Term life insurance offers high coverage at manageable costs.

Who is it important for?

Families with Children

Protect the income of the primary earner and secure your children's future.

Property Owners

Protect your family from losing their home when a mortgage is still outstanding.

Business Partners

Cross-insurance policies secure the continuation of the business.

Single Parents

Especially important when the entire financial responsibility rests on one person.

Who needs life insurance coverage?

Families with Children

Protection for surviving dependents — ensuring the family is financially secure.

Property Owners

Coverage for the mortgage, so that the partner can keep the home.

Sole Earners

Especially important when the family depends on a single income.

What is covered?

Versichert

  • Death benefit protection for the agreed term
  • Coverage of loans and credits
  • Survivor protection for the family
  • Flexible terms and insured sums

Nicht versichert

  • Death by intentional self-harm (waiting period)
  • War events and civil unrest
  • Death due to undisclosed pre-existing conditions

Optimal Coverage in 3 Simple Steps

1

Assess Your Needs

We analyze your personal situation and determine the optimal insurance coverage for you.

2

Compare Offers

Independent comparison across 150+ insurers — we find the best plan for you.

3

Secure Your Coverage

Easy enrollment and ongoing support — we are by your side even in the event of a claim.

Term life insurance is surprisingly affordable. For a 30-year-old non-smoker, coverage of €200,000 often costs less than €15 per month.
As a rule of thumb: 3-5 times your annual salary plus any outstanding loans. We calculate the optimal sum for your situation.
Most insurers accept applications up to the age of 65. The younger and healthier you are when you take out the policy, the lower the premiums — so taking out a policy early is worthwhile.
The payout from a term life insurance policy is income tax-free for the beneficiary. However, inheritance tax may apply if the tax-free allowances are exceeded — this can be avoided with the right policy structure.

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Non-binding comparison across 150+ insurers.

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