Protect Your Family If The Unthinkable Happens.
Term life insurance, called Risikolebensversicherung in Germany, pays a lump sum to your chosen beneficiary if you pass away during the contract period.
Especially important for expats with a partner, children, mortgage or other financial responsibilities in Germany.
Your family’s financial life should not collapse with one income.
If you have a partner, children or a mortgage in Germany, term life insurance can be one of the most important protection contracts. It helps your loved ones keep financial stability if something happens to you.
Protect the people who depend on your income.
The right insured amount should reflect your mortgage, family income gap, childcare needs, education costs and the lifestyle your loved ones would need to maintain.
How term life insurance works.
Risikolebensversicherung is simple in principle: you choose an insured person, a beneficiary, a payout amount and a contract duration.
Lump-sum payout
If the insured person passes away during the contract period, the insurer pays the agreed amount to the beneficiary.
Mortgage protection
The payout can help repay or reduce a home loan so the surviving family does not lose the property.
Family stability
The payout can help cover rent, childcare, education, living costs and the income gap after a death.
Flexible amount
You define the insured amount, for example 400,000 €, 600,000 € or more depending on your real need.
Flexible duration
The contract can run until the mortgage is repaid, children are independent or your partner no longer depends on your income.
Health questions
Pricing and acceptance depend on age, health, smoker status, BMI, profession, hobbies and insured amount.
Many expats struggle to get accepted.
Some German insurers are restrictive when it comes to temporary residence status, Blue Card holders, nationality, contract duration or international background.
What we help you check
- Whether your residence status is acceptable
- Whether Blue Card holders can apply
- Which documents may be needed
- How to avoid unnecessary application rejections
- Which provider setup fits your family situation
Term life insurance is especially relevant when others depend on you.
The more financial responsibility you carry, the more important it becomes to protect your loved ones.
Families with children
Protect your children’s home, education, childcare and everyday living costs if one parent passes away.
Homeowners
If you have a mortgage, term life insurance can protect your partner from carrying the full loan alone.
Couples with income dependency
If one partner earns significantly more, life insurance can give the surviving partner breathing room and security.
Young professionals
Applying while young and healthy can help secure lower premiums for long-term protection.
Expats in Germany
International families often need extra support because policy terms, application questions and residence rules can be confusing.
Business or loan protection
In selected cases, term life insurance can also support business continuity or secure private loan obligations.
Crosswise signing for couples
For married couples or long-term partners, a crosswise setup can be useful: each partner takes out a policy on the other partner. If one partner passes away, the surviving partner receives the payout.
- Can be useful for couples with shared mortgage
- Can protect the surviving spouse or partner
- Needs to be structured correctly
- Beneficiary and payer setup should be reviewed carefully
Smoker status matters a lot
Smoker status has a major impact on pricing. Non-smokers often pay significantly less for the same insured amount and duration.
- Smoking usually increases premiums
- Insurers define non-smoker status differently
- Tobacco and nicotine use must be answered truthfully
- Incorrect information can endanger the payout
Your insured amount should match your real responsibility.
A random amount is rarely ideal. We calculate protection based on your family, mortgage and income situation.
- Outstanding mortgage or private loans
- Income gap for your partner and children
- Education and childcare costs
- Funeral and emergency liquidity
- Existing savings, investments and other protection
400,000 € over 20 years.
A common example is 400,000 € for 20 years. This can make sense for young families or mortgage protection, but your personal amount may be lower or higher.
- Family protection during the most important years
- Mortgage protection while the loan balance is high
- Fixed monthly premium depending on tariff
- No investment component — pure risk protection
- Often affordable when young and healthy
We help expats get properly protected in Germany.
Term life insurance is simple in theory, but expats often face special acceptance and documentation challenges.
Expat-friendly guidance
We explain German insurance terms clearly and help you understand what the insurer needs.
Blue Card support
We help check suitable provider options for Blue Card holders and temporary residence situations.
Coverage calculation
We help define the right insured amount, contract duration and structure for your family.
What insurers usually ask for.
The application is based on your personal risk profile. Preparation helps avoid delays or rejection.
- Age, height and weight
- Smoker or non-smoker status
- Current and past health information
- Profession and risky hobbies
- Residence status and Blue Card details
- Desired insured amount and duration
To prepare your quote, please share:
- Your age
- Height and weight
- Smoker status: yes or no
- Family situation
- Desired insured amount, for example 400,000 €
- Desired duration, for example 20 years
- Blue Card or residence status
- Whether your spouse or partner is also interested
Request your term life insurance quote.
Send us your key information via WhatsApp. We will help you check suitable term life insurance options for your family, mortgage and residence situation in Germany.
Clarity Starts With Structure.
We advise expats who live and work in Germany.
