About this deal
Term life insurance (Risikolebensversicherung) is not for you, it is for the people who would struggle financially if you were suddenly gone. If a partner shares the rent, if children depend on your income, or if a mortgage would land on someone else's shoulders, this is the cover that keeps a hard loss from also becoming a money crisis. CosmosDirekt is a long-standing direct insurer offering high cover sums at low premiums, applied for online without a middleman.
Because it is pure risk cover with no savings component, the premiums stay genuinely affordable, which is the point: you can insure a large sum for a modest monthly cost. That makes it a practical choice for young families and anyone who has just signed a property loan and wants their family protected against the worst case.
Consider it if you
- Have a partner, children or others who rely on your income
- Took on a mortgage that someone would inherit
- Want a large cover sum for a low monthly premium
The honest caveat: term life pays out only if you die during the agreed term, there is no money back if you outlive it, and that is by design, not a flaw. Set the cover sum and term to match your actual obligations, such as the remaining loan and the years until children are independent, and answer the health questions honestly so the payout is not challenged later. Get those right and it does exactly one job, reliably.
What you get
- Low premiums
- High cover sums
- Protect family / loan
- Online application
How to get this deal
- Click the button below to go to the official CosmosDirekt website.
- Check the current terms and eligibility directly on the provider’s page.
- Complete the sign-up or order there — the offer is applied on the provider’s site.