What Does Your German Term Life Insurance Cost?
Monthly premium, insured sum and surplus participation — with a clear breakdown.
Person
Coverage & tariff
- Monthly premium
- €27.08
- Yearly premium
- €325.00
- Insured sum
- €250,000
- Surplus participation (yearly)
- €48.75
- Effective yearly premium
- €276.25
- Total premiums (term)
- €6,500
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Breakdown
| Category | Amount |
|---|---|
| Age | 35 |
| Smoker | No |
| Tariff | Constant insured sum |
| Insured sum | €250,000 |
| Term | 20 years |
| Monthly premium | €27.08 |
| Yearly premium | €325.00 |
| Surplus participation | €48.75 |
| Effective yearly premium | €276.25 |
| Total premiums over term | €6,500 |
Note: Premiums are 2026 model values of major German life insurers (HUK24, CosmosDirekt, HanseMerkur, Allianz, R+V, Hannoversche). Actual premiums vary by health check, occupational risk, hobbies, preconditions and provider. Surplus participation is not guaranteed — it depends on the insurer's investment results and may be below the model. Rule of thumb: insured sum = 3 – 5× gross yearly salary, or enough to repay outstanding loans plus 10 – 15 years of dependent income.
Background
German Term Life Insurance 2026: Premium, Insured Sum and Tariff Selection
11 Min.