Life InsuranceCompare 2025

The best life insurance depends on your personal situation. For young families with mortgages, term life insurance is usually optimal. For wealth building, unit-linked policies are suitable. Our experts advise you free of charge on the selection.

As a rule of thumb: The insurance amount should be 3-5 times the gross annual income. For property financing, at least the remaining debt should be covered. For families with children, we recommend higher amounts for long-term security.

Yes, a switch is generally possible. However, you should consider cancellation periods, possible losses and your current health status. Often continuing the contract with adjustments is more sensible than canceling.

Life insurance offers various tax advantages: Contributions to term life insurance are deductible as special expenses. For capital life insurance with 12-year term, earnings are tax-free after maturity (old contracts before 2005).

In case of temporary payment difficulties, you can make the contract contribution-free, reduce contributions or take out a policy loan. Cancellation should be the last resort, as significant losses usually occur.

After submission of all required documents (death certificate, medical certificates), payout usually occurs within 2-4 weeks. In case of unclear causes of death, processing may be delayed. Our partner insurers are known for fast processing.