Compare Term Life Insurance in Germany
Compare term life insurance plans. Evaluate coverage amounts, claim settlement ratios, rider options, and premiums.
Educational Information Only
Data collected from publicly available sources for educational purposes only. Premium figures are illustrative. Verify all details with the insurer directly.
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Side-by-Side Comparison
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| Feature | AllianzAllianz RisikoLebensversicherungNeeds review · 2026-04-03 | CosmosDirektCosmosDirekt RisikolebenNeeds review · 2026-04-03 | Hannoversche LebensversicherungHannoversche RisikolebensversicherungNeeds review · 2026-04-13 |
|---|---|---|---|
| Cover range | N/A – N/A | N/A – N/A | €50K – €10M |
| Premium* | €10 – €30/yr | €8 – €25/yr | €12 – €35/yr |
| Entry age | 18 – 65 yrs | 18 – 65 yrs | 18 – 65 yrs |
| Claim ratio | — | — | — |
| Renewability | Annual | Annual | Fixed term |
| Riders |
| ||
*Premiums are illustrative only, sourced from publicly available data. Actual premiums vary by individual. World Best Insurer does not sell insurance. Verify with the insurer directly.
All Term Life Insurance Plans in Germany
Cover
N/A – N/A
Premium*
€10/yr
- Germany's Largest Insurer
- Flexible Terms
- Online Application
Cover
N/A – N/A
Premium*
€8/yr
- Cheapest Online Provider
- Direct Insurer
- Simple Process
Cover
€50K – €10M
Premium*
€12/yr
- Direct insurer – no broker fees
- Consistently cheapest German term
- No-exam to €500K
Cover
€50K – €5M
Premium*
€13/yr
- Nuremberg mutual insurer
- Increasing sum assured option
- Competitive family discount
Cover
€50K – €10M
Premium*
€14/yr
- AXA global top insurer
- Conversion to whole life available
- Child benefit included
Cover
€50K – €5M
Premium*
€14/yr
- Generali Italy global group
- Decreasing cover for mortgages
- Cosalux IT platform