Life Insurance
Starting From Just
€1.8 per month
Life Insurance In Germany
Starting From Just
€1.8 per month
Securing the Future for You and Your Loved Ones
Life Insurance provides financial support to beneficiaries in the event of the policyholder’s untimely passing. It helps maintain the family’s standard of living, cover debts, and provide for children’s education.
Why Choose Us
Worldwide Coverage
Speedy Claims Process
Tax Advantages
Key Features
- Lower Premiums
Lock in lower rates by purchasing life insurance when you're young and healthy.
- Funeral Expenses
Cover funeral and burial costs, easing the financial burden on your loved ones during a difficult time.
- Family Financial Security
Protect your loved ones from financial burdens such as debts, loss of income, childcare expenses, and education costs, ensuring their stability and peace of mind.
Do You Have Any Questions?
How does Life Insurance benefit beneficiaries?
Life Insurance provides a lump-sum payment to beneficiaries upon the policyholder’s death, helping cover expenses like funeral costs, debts, and maintaining the family’s standard of living.
Can I borrow against a Life Insurance policy?
Some Life Insurance policies offer a cash value that can be borrowed against, providing a financial resource during the policyholder’s lifetime.
Is Life Insurance taxable in Germany?
Life Insurance proceeds are generally tax-free for beneficiaries in Germany.
Can I name multiple beneficiaries in my Life Insurance policy?
Yes, you can usually name multiple beneficiaries in your Life Insurance policy, specifying the percentage of the benefit each will receive.
Does Life Insurance cover death from any cause, or are there exclusions?
Life Insurance generally covers death from any cause, with some exceptions specified in the policy, such as suicide within a certain period.
Can I change the coverage amount of my Life Insurance policy over time?
Some Life Insurance policies allow you to adjust the coverage amount over time to align with changing financial needs.
Are Life Insurance premiums tax-deductible in Germany?
Life Insurance premiums are typically not tax-deductible in Germany, but the death benefit is usually tax-free for beneficiaries.
Is there a medical examination required for obtaining Life Insurance?
Medical examinations may be required for certain Life Insurance policies, but options with simplified underwriting are available for quicker approval.
Can I cancel my Life Insurance policy at any time?
Yes, you can cancel your policy at any time, but you may receive only the surrender value or may lose all benefits, depending on the policy type.
What happens if I outlive my Term Life Insurance policy?
If you outlive your Term Life Insurance policy, the coverage ends, and no payout is made, although some policies offer renewal or conversion options.
Does Life Insurance provide coverage if I move abroad?
Most Life Insurance policies remain valid if you move abroad, but it’s important to notify your insurer of any change in residency.