Term life insurance, strongly underestimated but a must

Why term life insurance is often wrong or does not exist at all

Many members Or our customer calls and tells us that he has a very bad prognosis because of an illness and what we can do to increase his death cover.

Why take out your term life insurance with an insurance broker? Often industry experts such as specialist lawyers come to us as clients because they are aware of our possibilities, e.g. anonymous preliminary inquiries, the selection of suppliers and also knowledge of current special offers.

The majority of German households have no or far too little coverage in the event of death. In the case of married people, the statutory pension insurance only pays from a certain age or, if it pays, the sums are seldom such that the accustomed standard of living can be maintained.

Why call in a professional and not click through quickly online? (because it is not an Amazon order!) The main reason for refusal, when it comes to the payment of the insured death benefit, are almost always previous illnesses not stated. We recommend that you always obtain information from your health insurance company and your family doctor for the last five years. We support you in doing so.  Your memory is not always the same as that of your doctor or health insurance company. Given the large number of patients doctors today also have no wonder.

Very often, almost always the existing sums insured are too small. So direction from 200,000 € upwards is almost always to be secured, with families, real estates, high incomes, depending upon situation still much, much more. Yes, and we recommend as early as possible. Incidentally, the differences in premiums are up to 300%.  Very cheap tariffs often have an underestimated, enormous increase risk. This also applies to some large insurance companies, which currently have problems coping with the low interest rate situation. Also, some life insurance policies do not pay in certain situations such as terrorist attacks.

In addition to millions of underinsured or uninsured German policyholders, many consumers have contracts that only pay after death. This means that the relatives are cared for, but there is also the situation when one gets the sad prognosis from the doctor that there is only a "limited perspective on life". Some good tariffs pay as soon as such a confirmation is presented. The insured then receives the agreed payment in full immediately. The insured person decides for himself what he does by spending the remaining time with his family or by still being treated with a partial amount.  

Last but not least, a good term life insurance should always exist as long as possible and a large number of options should increase the sums without health issues or extend the term without health issues.

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