Providing for your family abroad
Term Life Insurance
- No German residence required
- Flexible premium with increase option
Worry-free anywhere, protected everywhere.
Your abroad adventure has begun: new home, new job, new opportunities. But what happens if the worst occurs? Living abroad presents a unique challenge—standard German term life policies require a German residence and exclude emigrants. We have the solution.
Information at a Glance
Your benefits:
- No German residence required
- Stable premium throughout the entire term
- Flexible rate with increase option
- Simple, straightforward contracts
- Immediate preliminary coverage upon application
- Telephone-based psychological first aid
What makes this insurance special?
Through a special agreement with insurance broker DR-WALTER, we offer term life insurance without requiring a primary residence in Germany.
The insurer is DELA, repeatedly awarded strong ratings by Assekurata and rated “Very Good” by Wirtschaftswoche in 2023 and 2024.
Requirements
German citizenship of the policyholder and insured person
Employed at time of contract (no students, retirees, or non-workers)
Maximum entry age: 65 (contract ends no later than age 75)
Own SEPA bank account suitable for direct debit
Active German postal address (no registration required; c/o address possible)
Permanent residence abroad (no residence in Switzerland; digital nomads without fixed address unfortunately not eligible)
Intention to return to Germany
No stay in war or crisis zones
Getting started is easy
- Download and complete the preliminary inquiry form
- Send it to us—we'll review your individual situation
- Upon approval, receive full application documents
Important Documents
General Information and Policy Conditions
General Insurance Conditions
