Term life: security for the people who matter to you.

It depends on your income, your loans and your assets. As a rough guide for sole earners, consumer advocates suggest at least four times annual net income with young children and three times with older children. The experts work it out with you precisely.

Each partner takes out the policy on the other’s life and pays the premiums themselves. In the worst case, they receive the sum from their own contract – for unmarried couples this can avoid inheritance tax. The experts explain whether this suits you both.

Yes. When you take out cover, the insurer asks about your health and usually also whether you smoke. Answer the questions completely and honestly, otherwise you put your cover at risk. You’ll go through the health questions later directly with the experts – not here in the form.

No, that's optional. With your policy, though, our partner's experts can compare your current cover more precisely and make you a suitable offer faster.

Nothing – 100 % free and with no hidden commitment. The check is non-binding. We are paid by the provider or the licensed experts when a new contract is concluded. When you switch electricity or gas, we pass part of this on to you as a bonus; for insurance there is no bonus and no cashback (§ 48b VAG). If you grant the voluntary support mandate, the licensed insurance experts also receive an ongoing commission from the insurers for looking after your contracts (portfolio commission) – this costs you nothing either.