Lebensversicherung(Life Insurance) Explained
New to Germany? Lebensversicherung protects your family financially in case of death and can build wealth for retirement.Compare policies and find optimal coverage - free and 100% non-binding.
Key German Terms
Tip for Newcomers
In Germany, life insurance (Lebensversicherung) is one of the most common forms of financial protection and retirement planning. There are two main types: Risikolebensversicherung (term life) which provides pure death benefit protection at low cost - ideal for protecting mortgages or family income. Kapitallebensversicherung (whole life) combines death benefit with savings and is often used for retirement planning. As an expat, term life insurance is especially important if you have dependents or a mortgage in Germany.
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Types of Life Insurance in Germany
From affordable term life insurance (Risikolebensversicherung) to investment-linked policies.Find the perfect protection for your life situation.
Risikolebensversicherung (Term Life)
Affordable death benefit protection for your family - ideal for mortgage protection
Kapitallebensversicherung (Whole Life)
Combination of death protection and savings with guaranteed cash value (Ruckkaufswert)
Fondsgebundene Lebensversicherung (Unit-Linked)
Higher return potential through investment in mutual funds
Sofortrente (Immediate Annuity)
Lump sum payment for lifetime income - perfect for retirement
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Top Life Insurers (Lebensversicherer)
Compare offers from Germany's best life insurance companies.All providers are reputable and offer quality services.
Allianz Lebensversicherung
Market leader with top conditions
AXA Lebensversicherung
Innovative products & service
Generali Deutschland
Solid capital investment
Zurich Deutscher Herold
Flexible policies
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Common Questions from Newcomers
Everything expats need to know about life insurance in Germany.Sound knowledge for your optimal decision.
Do I need life insurance as an expat in Germany?
If you have dependents (spouse, children) or financial obligations like a mortgage, life insurance is highly recommended. Risikolebensversicherung (term life) is especially important to protect your family's financial security. It is affordable and provides essential protection.
What's the difference between term and whole life insurance?
Risikolebensversicherung (term life) provides pure death benefit protection at low cost - your family receives the coverage amount if you die during the term. Kapitallebensversicherung (whole life) combines death benefit with savings component and is used for retirement planning.
How high should the insurance amount (Versicherungssumme) be?
As a rule of thumb: The coverage amount should be 3-5 times your gross annual income. For property financing, at least the remaining mortgage debt should be covered. For families with children, we recommend higher amounts for long-term security.
Do I need a medical examination (Gesundheitsprufung)?
For term life insurance, you typically need to answer health questions. Depending on the coverage amount and your answers, a medical exam may be required. Pre-existing conditions don't necessarily mean rejection but may affect premiums.
What happens if I leave Germany?
Most German life insurance policies remain valid worldwide. If you relocate, your coverage continues. However, notify your insurer of address changes to ensure smooth communication and claims processing.
Can I get life insurance without German language skills?
Yes! Many providers offer English-language support. Our comparison platform is in English, and we connect you with insurers who can assist in English throughout the application and claims process.
Legal Disclaimer
This information is provided for general guidance only and does not constitute legal or financial advice. Insurance products are subject to German insurance law (Versicherungsvertragsgesetz - VVG). Coverage details, terms, and conditions vary by provider. Life insurance payouts are subject to German tax regulations. We recommend consulting with a licensed insurance advisor for personalized recommendations. All insurance contracts are concluded directly with the respective insurance company. meinetarife24.de acts as an independent comparison platform and receives commissions from partner insurers.
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