Comparison of 17 death insurance shows great differences

Defense insurance have many names. Sometimes they are called risk life insurance, risk life insurance or just Life insurance. The principle is always the same: you pay money and If you diethe bereaved get a certain sum insured. However, there are big differences in how much you have to deposit per year in order to receive exactly the same sum insured. This is shown by the Association for Consumer Information (VKI) in one new test on.

8,000 euros savings over 20 years

17 insurers were compared. The prices were calculated based on two exemplary people: a 170 centimeter and 75 -kilogram woman and a man with 180 centimeters and 85 kilograms – both Office worker. The premium heights for them were raised with an adopted age of 20, 30, 40 and 50 years. The sum insured should 100.000 Euro be 20 years.

The following applies to all death insurance: the younger you are at the end, the cheaper they are. But the price range between the offers is enormous. With an entry age of 30 years, you pay between 38.72 euros and 98.58 euros a year. The premium for one 50-year-old person lies against it Between 235.99 euros and 641.97 euros. In 20 years of term you can save yourself more than 8,000 euros in premiums. With an entry age of 30 years, it is at least 1,200 euros.

Risk factors crucial for premium level

Very crucial for how high the premium is Risk factors. The exemplary insured are about Non -smokerhave no previous illnesses and no additional risks. That can be about that Experting dangerous sports VKI insurance expert Gabi Kreindl explains how skydiving is. “It was not an issue ten years ago, but now it is queried.”

Honesty in the health check

At the end of a death insurance, one Health examinationthat can vary depending on the sum insured – from the questionnaire to the medical examination. Should relevant risk factors change over time – for example by starting smoking – Insurers informed become. You probably have to pay a higher premium, but Kreindl still advises honesty.

Surfidental people are better not to expose a dispute with the insurance if he refuses to pay. “However, there should then be a causal connection between smoking and death.” If you have died of smoking and have given the insurer to be a non -smoker, he can Refuse to pay the sum insured.

Mixed insurance companies have disadvantages

“Basically, we see the life insurance as a sensible product – but not for everyone equally,” says Kreindl. It is highly recommended for couples who have one high loan have recorded. Even if that Family income Hanging significantly on one person, a death insurance is useful. “It is advisable to think about how bereaved can take care of their own death.”

Of one Mixing of risk protection and asset structureOn the other hand, the VKI expert advises how they offer combined and death insurance or fund-bound life insurance companies: “Protection against death is usually too low and a less high proportion of premiums is used for saving. We advise them to do so both seemed to be clearly separated.”

Document for reviewing contracts

Seven insurerswhere the VKI asked, wanted to do the comparison test not here be his, including known names such as Bawag PSK, Ergo, Generali, Grazer Mechsatigen or Uniqa. “Some specialize in other types of insurance, but some have not given any reason,” says Kreindl.

The comparison of the 17 providers already shows the high range of offers very well. It is available on the Internet and in the March issue of the magazine consumer. It could also be used as the basis in order to possibly already to check existing police. If you want to get advice, independent insurance brokers are advantageous. Online comparison platforms are also a good source of information, although sometimes they do not record all providers.