PRIVATE CLIENTS · MUST-HAVE
When someone dies it is not only the grief that matters, but the family's financial stability too.
Free first consultation →The problem
Loan repayments, rent, everyday living costs: when a household loses its main income, the family can quickly find itself in difficulty. In most cases the state survivor's pension is far too small to maintain anything like the previous standard of living. Families with a mortgage are especially exposed.
Our solution
Term life cover often costs less than people think and protects your family effectively in the worst case. We work out a sensible sum insured from your income, your debts and your family situation, compare the best offers and establish whether a straightforward term policy or a combination with disability cover suits you better.
Book an appointment →The hard facts
1,000,000+
More than a million people die in Germany each year. Statistically, a death is not an exceptional event.
3× the risk
When a partner dies, one study found the risk of housing costs becoming unaffordable for those left behind triples.
3–5 annual salaries
As a rule of thumb, experts often suggest a sum insured of around three to five gross annual salaries, plus any outstanding loans.
from €2
a month: €100,000 of life cover is often available to young, healthy applicants for around €2 a month. Protecting your family costs less than most people think.
Worth knowing
If one partner's income stops, regular costs such as rent, loans or providing for the children can quickly become a burden.
Many borrowers use term life cover to protect their family from the debt they would otherwise inherit.
Unlike an endowment policy, term life cover exists solely to provide financial protection on death.
Younger, healthy applicants often benefit from lower premiums and easier acceptance.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
PROTECTING YOUR FAMILY
Term life cover pays an agreed sum to your family on your death, free of tax and for just a few euros a month. It is also ideal for covering loans.
from ~€2
a month for €100,000 of cover (young, healthy).
Tax-free
the death benefit passes to your family free of tax.
3–5×
annual salary, as a rule of thumb for the sum insured.
Worth knowing
The sum should fit your family, your income and your outstanding loans, and we work it out together.
A free first consultation, in person, by phone or by video. You then decide how to proceed.
Book an appointment →