Term Life Insurance
- Cover that fits your life
- Worldwide payout
- Flexible terms, often 10 to 30 years
- Payout usually tax free
- Simple setup in the app
- 150+ offers compared
- 4.8 out of 5 advice rating
- Set up in 4 simple steps
Description
Real life is full of costs,every month. Loan repayments, rent, subscriptions, and other long-term commitments. Term Life Insurance keeps your people financially steady in the worst case.
It pays a lump sum to a person you choose if you die, with worldwide cover. In most cases the payout is tax free for your beneficiaries. Use it to cover a mortgage, debts, or your kids' education.
Pick the amount and a term that fits your life, often 10 to 30 years. Start early for lower prices and less hassle. We compare 150+ offers, give honest advice, and you manage it all in the app.
Reviews
Get protected together before the wedding
You’re taking the next step and blending lives, contracts, and everyday stuff. Romantic, sure—and it comes with a few admin to-dos. With a couple of quick tweaks, you protect each other and cut duplicate costs before the big day.
Essential cover
for this moment
When you're expecting your first child
Suddenly your world is lists, name ideas, and wondering how many onesies a human actually needs. Fair if insurance drops to the bottom. A quick check now means fewer admin surprises when the little one arrives.
Essential cover
for this moment
When you’re a single parent and want to plan ahead
Single parenting means juggling schedules, paperwork, and the midnight what-ifs. You carry the full load now—emotional and financial. Let’s quietly sort the big what-if questions and make tomorrow feel a bit lighter.
Essential cover
for this moment
When you adopt a child
You’re adopting—big heart, bigger paperwork, and a tiny human who now counts on you. Emotionally and financially. Let’s sort a few basics so you can focus on settling in, not surprise bills.
Essential cover
for this moment
When you buy your first apartment
Keys in hand, a hundred to-dos in your head. Your first apartment is exciting—and suddenly you’re responsible for everything from leaks to paperwork. Sort a few basics now and you’ll have more time for decorating, less for damage control.
Essential cover
for this moment
What is covered?
When cover is triggered
Who and what is protected
What we cover and include
Not covered
Surviving to term end
There is no payout if you outlive the policy term. Term life has no savings or maturity value. If you want to build capital, that is a separate product like endowment life insurance.
Illness or disability only
Non fatal illness or disability is not covered by term life. For income protection if you cannot work, use a separate occupational disability insurance that pays a monthly benefit.
Suicide in first years
Many policies exclude suicide in early years.
War or criminal acts
Deaths during active war service or while committing serious crimes are often excluded. Claims where a beneficiary is involved in the death are not paid by the insurer.
Documents
Can I get cover if I have health issues?
Usually yes. You answer health questions when you apply. Depending on your history, the insurer may offer cover, exclude certain risks, adjust the price, or decline. Serious conditions do not automatically mean no cover. Book a free chat and we help you check options across 150 plus offers without pressure.
When does my cover start, is there a waiting period?
Cover typically starts once the insurer accepts your application and your first payment is received. There is no general waiting period. Make sure your details are accurate, because claims are assessed based on the information you gave.
What exactly is covered, and is it worldwide?
If you die during the term, the agreed sum is paid to your chosen beneficiary. That money can cover a mortgage, loans, or daily costs. The payout is usually tax free for beneficiaries in Germany. Cover applies worldwide. Exclusions vary by policy, for example fraud or non disclosed risks. We explain any limits before you decide.
How do my loved ones make a claim?
They contact us in the app or the insurer. We guide them step by step. Typical documents are the policy number, death certificate, ID of the claimant, and payment details. The insurer reviews the claim and pays the sum insured if approved. Timelines vary, but complete documents help speed things up.
Do I need term life for a mortgage?
There is no legal requirement in Germany. Many lenders still ask for it as a condition for the loan, because it protects the repayment if the worst happens. Even if not required, matching the sum and term to your loan keeps your family from inheriting the debt.
Do I get money back if I outlive the term?
No. Term life is pure protection, not a savings product. That is why it is usually affordable. You pay for financial security during the agreed years. If you want to adjust cover over time, talk to us about flexible sums and terms that fit your plans.
One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
Have questions?
Let’s figure it out together.
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