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Life insurance

Life insurance offers financial security and protection for the family in the event of death or disability. It secures the standard of living of family members and offers additional benefits such as tax benefits and retirement provision.

Security for surviving dependants and the future

Life insurance - what is it?

Life insurance offers more than just financial protection in the event of death - it is an essential component of retirement provision and financial security for your surviving dependants. With the right life insurance for you, you can ensure that your family is well provided for even in difficult times. At the same time, you can make provisions for your own future.

Facts & Figures

0 % assumption of the sum insured in the event of death

0 Mio. € average sum insured for term life insurance

0 % of people take out life insurance to provide for their old age

Your advantages at a glance

Life insurance offers you and your loved ones financial security in the event of death or disability. It ensures that your family's standard of living is maintained and offers reliable provision.

Financial security

For you and your relatives

Retirement provision

Possibility of payout on reaching a certain age

Disability protection

Financial support in the event of permanent disability

Tax benefits

Potential tax advantages for your contributions and benefits

FAQs - We have the answers

We have summarized the most frequently asked questions about life insurance for you in our FAQ. However, our experts will also be happy to provide you with individual advice.

Why is life insurance important?

Life insurance offers important financial protection for surviving dependants and helps to compensate for loss of income, pay off debts or secure children's education. It can also be used as an instrument for retirement provision.

What types of life insurance are there?

Term life insurance: provides a death benefit to surviving dependants if the policyholder dies during the term of the policy
Endowment insurance: combines death cover with a savings component that is paid out in old age
Unit-linked life insurance: combines death cover with investment in funds, whereby the payout depends on the performance of the funds

What information do I need to provide when applying?

Detailed information on health, occupation and hobbies is required when applying. A health check is usually required. Incorrect or incomplete information may result in the insurance cover being invalidated.

What is a subsequent insurance guarantee?

A subsequent insurance guarantee enables the policyholder to increase the sum insured without a new health check, e.g. in the event of certain life events such as marriage, the birth of a child or salary increases.

What is a premium waiver in the event of occupational disability?

A premium waiver in the event of occupational disability means that the policyholder no longer has to pay premiums in the event of occupational disability, but the insurance remains in force.

What is the difference to death benefit insurance?

Life insurance offers comprehensive protection for surviving dependents and can also serve as a retirement provision. Death benefit insurance is specifically designed to cover the costs of the funeral and usually offers a lower sum insured.

Can I use a life insurance policy as collateral for loans?

Yes, a life insurance policy can be used as collateral for a loan. In the event of the policyholder's death, the lender can access the sum insured to repay the outstanding loan.

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