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Life is a type of insurance that will pay out a fixed sum (of your choosing) if you were to pass away.
When you take out life insurance you will need to name one or more beneficiaries to receive the insured sum. It's common to name a spouse, child or someone who is financially dependent of you so they may maintain financial stability moving forward.
Many people also decide to get life insurance when buying a house and paying for their mortgage, even if their partner contributes to the payments.
Don't let your financial obligations get passed on to your family. Life insurance can help cover them.
Are you the primary source of income for your family? Life insurance can provide for them when you're gone, so they can get back on their feet.
Education, childcare and security. Life insurance can help ensure a future for your loved ones when you're no longer with them.
No one wants to plan a funeral and the costs can get pretty expensive. Let life insurance cover it while your family mourns.
In the cases where you need it most, it is the cheapest. If you're a young family, for example, it's much cheaper than if you're already much older - but in this situation, you likely have more savings to rely on and don't need as high a cover sum.
Work out for each of these how much you need and add them up:
1. In general, we recommend around 10k Euros per child per year until he or she is 18 (or 23 if you want to finance university).
2. Additionally, if you have a mortgage, you should add the total cost of the mortgage.
3. If your partner is reliant on you, then 3-5 years of all expenses paid is recommended.
If that's too complicated, you can get 3-5x your gross yearly salary, and it will be a good approximation
We recommend getting the cover until your mortgage is paid off or your youngest child has completed school or university - whichever is later. When some risk is gone, you can adjust your cover.
Yes. You can adjust your cover sum down with our policy at the end of each year, so if you have paid off your mortgage but still have children you want cover for, you can adjust the covered sum accordingly. You can also cancel the policy at any time with no additional fees.
The policy pays out when the insured person dies.
Yes! Many employers include life insurance in their benefits package. If you’re an employer or HR professional looking to provide coverage for your team, explore our company life insurance options.
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