New test for term life insurance: The costs are important

Risk life insurance in the test: costs have the greatest weight

Risk life insurance in the test: costs have the greatest weight

The main criterion for the valuation are the costs of term life insurance. The test differentiates between so-called gross and net premiums . The former are the contributions that a customer would have to pay a maximum in the year. By contrast, net contributions are the actual annual costs after surpluses generated by the insurer have been offset against the gross premium.

While both amounts are almost identical for some insurers, the costs for other companies are very different. At the same time, the gap widens with increasing duration and amounts to more than 150 euros per year for a 30-year insurance period. Interested parties should therefore consider how much they have to pay if the company does not make any surpluses before concluding a tariff with supposedly low net premiums. If you prefer to play it safe, choose an offer with minor differences.

The net contribution accounts for half of the total, the gross contribution 30 percent. In addition, insurers’ financial strength contributes 20 percent to the valuation. This means that it is judged whether the company is solvent over the entire term or whether insured persons have to reckon with premium increases due to financial difficulties.

Tip: In the case of term life insurance, apart from age and state of health, it is mainly the amount of the insured sum that determines the costs of the hedge. As a rule of thumb, it is true that three to five times the annual net income to agree. However, it often makes more sense to calculate the demand more accurately. For example, if there are children in the family, the total should be set higher.




   In order to find out which offers can score in terms of costs, the tariffs of the entire market were examined in term life insurance. However, only the offers that have at least a good rating were included in the Focus-Money ranking. The tariffs of BNP Paribas Cardif and Deutsche Lebensversicherungs-AG are among the best offers for all three tested terms. They were the only ones to receive top marks for their net contributions , supplemented by the direct insurer Europa, which, however, lags behind its gross premiums. The cheapest are the offers at a ten-year term. Here the tariffs cost between just under 31 euros and around 56 euros net per year.

The best term life insurance with a ten-year term:

  • Alliance – LCO
  • AXA – ALVT2
  • BNP Paribas Cardif – Protect24-U 1.0
  • DBV – ALVT2
  • German life insurance AG – LOU (DL)
  • Stuttgart – T20
  • Europe – E-SRL (direct)
  • HUK24 – WB24 (direct)

Service: With the risk life insurance comparison calculator you can find the individual protection at the best price from a variety of tariffs.


As the term increases, the costs for term life insurance increase. Thus, for the best contracts in the test over a period of 20 years between around 43 euros and 96 euros annually payable. Here the tariffs of BNP Paribas Cardif, German life insurance AG, Europe and HUK24 were rated outstanding.

For a contract period of 30 years, insured persons have to pay between just under € 72 and about € 127 for mortality protection.

The best offers at a glance:

  • BNP Paribas Cardif – Protect24-U 1.0
  • Canada Life – Risk life comfort
  • German life insurance AG – LOU (DL)
  • Zurich Life – Eagle Star Risk Life basic
  • HUK24 – WB24 (direct)

For health issues despite possible risk premium to be honest

 The costs for a term life insurance depend both on the desired sum insured and after the insurance period. In addition, there is the so-called risk factor of the insured . If, for example, he has a physically demanding job or a risky hobby, some providers often require a supplement. The same applies to people with previous illnesses. Because these increase the risk that the benefit case could actually occur. Therefore, potential customers have to answer some health questions before the contract starts. They should stick to the truth and conceal nothing. Otherwise, there may be problems with the insurer in the event of a claim.

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Detained one of the owners of the urbanization of the famous for hiring the commissioner Villarejo

Detained one of the owners of the urbanization 

The Police and the Anticorruption Prosecutor’s Office have today developed an operation in the framework of the ‘Tandem case’ in search of new ‘clients’ of the commissioner José Manuel Villarejo , imprisoned since last November. Thus, it has proceeded to the arrest of one of the owners of the luxury urbanization La Finca in Madrid , where many of the personalities and athletes of this country live, such as Cristiano Ronaldo or James among many others.

The arrested is, according to La Vanguardia sources of the investigation, Francisco Lorenzo Peñalver confirmed and next to him a second person linked to the employer has been arrested. He appears as a director of La Finca Real Estate, created in 2016 after the merger of the companies Procisa and Lugarce. The agents of the Internal Affairs brigade today registered the offices of the construction company Procisa, in the same business park of the Finca, in Pozuelo de Alarcón (Madrid).

This businessman is the third ‘victim’ of Villarejo’s recordings . This commissioner, known for his participation in the ‘sewers of the State’, had recorded and then kept conversations of his private businesses despite being a public official as well as his goings-on. After his arrest and search at his home on 3 November, the police seized all the material he is now analyzing.

Of those recordings, three criminally operative operations have already been detected: a former chief inspector of the police detained and sent to prison for hiding money of illegal origin in his daughter’s garden; several people in charge of a law firm who hired Villarejo for a job on another firm of the competition; and now one of the most responsible for La Finca.

Forensic deactivate Villarejo

Forensic deactivate Villarejo

Precisely for the piece opened after the registration of the firm Herrero y Asociados, Villarejo must declare this Wednesday. The commissioner was hired to get information from another firm . A few days ago, he was transferred from the prison of Estremera to the Gregorio Marañón hospital before an attack that he himself defined as “imminent death”. The former police high command would have requested his release for health reasons. However, both the hospital and the prison itself denied that his state of health was so serious as to be endangered by his stay in prison.

However, the magistrate requested the forensic unit of the National High Court a report on his state of health in case he should be released or impose a less severe restrictive measure such as prison in view of his alleged seriousness. According to this legal sources confirm to the legal forensic bodies have also rejected their health status is serious.

Crisis management” report

Crisis management" report

After more than six hours of registration, the businessman, with a significant fortune, has been transferred to police agencies waiting to be brought to justice. Researchers have found evidence linking this businessman with the controversial Commissioner Villarejo, arrested after detecting that he would have charged several million euros for making reports for companies or individuals in a personal capacity but using the information he had available to be an active member of the National Corps. Police.

According to the investigation, it is suspected that Peñalver would have hired Villarejo for a job of “crisis management”, that is, to obtain privileged information to favor him in a conflict he had with third parties.

Peñalver’s name already rang because, according to El Confidencial , he had to pay, along with his partner Eduardo García Cereceda, 4.95 million euros and assume three fiscal crimes each to avoid being imprisoned. They admitted, after an agreement with the Public Prosecutor’s Office and Attorney’s Office, that loans were made from the company Procisa, which not only did not return but did not declare the Treasury. Peñalver is CEO of the company and responsible for the business park that is located within La Finca and where its offices are located.

Police information at the price of gold

Police information at the price of gold

What “sold” Villarejo was police information, but on a personal basis and charging astronomical prices, to solve all kinds of problems. According to what is being researched, these crisis procedures would involve obtaining sensitive information about people with whom their client had a conflict, from family members, people with whom some type of sentimental relationship has been maintained, to industrial espionage.

The contacts and information that Villarejo would have within the Police, given the years in the body and the power that has been achieved, would have used them to profit personally, according to the investigation developed by the Police, Prosecutor’s Office and the judge of the Audiencia Nacional Diego of Aegea. Part of that money would have hidden through companies on behalf of third parties in tax havens to be detected neither by the Treasury nor Spanish Justice.

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