Term Life Insurance For Expats in Germany
(Risikolebensversicherung)
If you have a partner, children, or a mortgage in Germany – a term life insurance policy is essential. It ensures that your loved ones are protected financially if something happens to you.
🛡️ What Does Term Life Insurance Do?
- It pays out a lump sum to your chosen beneficiary if you pass away during the contract period
- It can cover your mortgage or help your family maintain financial stability
- You define the payout amount and duration – for example: €400,000 over 20 years
⚠️ Why Most Expats Struggle to Get It
99% of insurance companies in Germany do not accept Blue Card holders or expats without permanent residence status. Many applications are rejected based on nationality, visa type, or short-term contracts.
We work with one of the few providers who insures Blue Card holders and international professionals with temporary residence.
👨👩👧 Who Should Consider It?
- Expats with a family to protect
- Anyone with a home loan or shared mortgage
- Couples with unequal income or financial dependency
- Young professionals who want to lock in low rates while healthy
🔁 Smart Tip: Crosswise Signing for Couples
If you’re married we recommend a crosswise setup: each spouse signs a policy on the other. This way, if one partner passes away, the surviving one receives the full payout to secure the family, finances, or real estate.
🚭 Important: Are You a Smoker?
Smoker status has a huge impact on pricing. In most cases, non-smokers pay up to 50% less for the same coverage. To qualify as a non-smoker, you must not have used any tobacco products for at least 12 months.
✅ Why Choose Us
- We speak your language – and the insurer does too
- We only work with insurance partners who accept expats and Blue Card holders
- We help you compare policies, premiums, and coverage
Consultation is free and 100% tailored to your situation.
📩 Request Your Term Life Quote
Ready to protect your family or real estate investment with term life insurance in Germany?
💬 Prefer to use WhatsApp?
No problem – just send us a message with your key information. We’ll get back to you with your personalized quote.
We usually reply within a few hours – all messages are confidential.
Your life. Your loved ones. Protected – even if the unthinkable happens.
