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Additional Information on the Calculation Example

The following assumptions were made for the calculation example: Industrial clerk, non-smoker for at least 10 years, no risk-relevant hobbies, no health risks, entry age 25, insurance term 10 years, insured sum €100,000, insurance start date February 1, 2025, tariff L0(DL) – a product of Deutsche Lebensversicherungs-AG, monthly premium after deduction of surplus shares. The surplus shares are guaranteed for the first insurance year and may change in subsequent years. As of January 23, 2025.

Note: This is a fictitious example. The term and coverage level should be tailored to your individual life situation and coverage needs.

Our online term life insurance policies:
Basic Protection RLV Basis Tariff L0(DL) – a product of Deutsche Lebensversicherungs-AG, an Allianz company;
Premium Protection RLV Plus Tariff LC0 – a product of Allianz Lebensversicherungs-AG;
Premium Protection RLV Plus with Accident Tariff LC0UZ – a product of Allianz Lebensversicherungs-AG.

Details Add-on Modules Costs Services Benefits When It Pays

What is term life insurance?

Term life insurance is a form of survivorship insurance: It provides optimal, personalized protection for your family, your real estate financing, or other loans in the event of your death. You can also use term life insurance to financially protect your company in the event of your death, that of your business partner, or the death of a key employee.

  • The payout amount, the so-called insured sum, can be used to pay ongoing expenses, such as loan installments from real estate financing.
  • Our rates: You can insure an insured sum for a low monthly premium: for example, a monthly premium of 2.17 euros means a lump sum payment of 100,000 euros to your loved ones.

Why does term life insurance make sense?

There are certain events and phases in life where term life insurance can be useful. The most common occasions are, for example, when you start a family or purchase a property. If something happens to you, your Not only will your family lose a loved one, but your surviving relatives may also face significant financial problems.

This often results in a gap in your pension provision, as statutory pension benefits generally cannot cover existing expenses. Term life insurance can close this gap with a lump sum payment. For example, the money can be used to finance your children's education or continue paying off your property or other loans. Term life insurance is therefore taken out for a specific period of time: for example, until the children can support themselves or the property is paid off.

For whom does term life insurance make sense?

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