Signing up online takes an evening: Getsafe works in German and English, Feather specialises in expats with free English advice. Compare two or three offers: for the same sum, premiums differ by a factor of one and a half to two.
Term Life: Signing Up and Couple Setups
Honest health answers, the right construction for couples and a guarantee to raise cover for children and property without new checks.
✓ Verified: 18/07/2026
WHAT TO DO
› Details and tips
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Max recommends:
For couples I chose two individual contracts over one joint policy: in a shared tragedy that means double protection, not one payout. The price difference is tiny, the outcome difference huge.
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Lea recommends:
Take a tariff with an increase guarantee: birth, marriage or a property purchase raise the sum without new health questions. Getsafe and Feather sign you up online in English in an evening — compare two offers, premiums differ by up to double.
FREQUENTLY ASKED QUESTIONS
Is the payout taxed? ▾
No income tax. Inheritance tax is possible, but spouses have a 500 000 € allowance, children 400 000 €. Unmarried couples (only 20 000 €) solve it cross-wise: each insures the other life.
I smoked a year ago — am I a smoker? ▾
Usually the question covers the last 12 months. Quit longer ago and you qualify as non-smoker. Lying risks the entire payout, as the history is checked at a claim.
Why should unmarried couples cross-insure? ▾
In cross-insurance each partner insures the other's life and pays the premiums themselves. The payout then falls outside the estate — for unmarried couples this avoids the high inheritance tax, since their allowance is only €20,000.