Updated September 28, 2026 · AssureCue Editorial Team
Alior vs Allianz Lebensversicherungs-AG
Where Alior and Allianz Lebensversicherungs-AG differ
| Compare |  Alior |  Allianz Lebensversicherungs-AG |
|---|---|---|
| Premium from | PLN 15,000 | €2.60 |
| Insurance types | Auto, Home, Life, Travel, Income protectionCovers more | Life, Income protection |
| Provider type | Broker | Insurer |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | 25,000-20,000,000 EUR |
| Claims channels | Phone, Email, Help centre | Phone, Chat, Online form |
| Age range | Children from birth to 26 years of age | up to 74 years |
| Monthly payments | Not confirmed | Yes |
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Key differences
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 8.6.
- Insurance types: only Alior offers Auto, Home, Travel.
- Claims channels: only Alior offers Email, Help centre.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
Our verdict on each
Alior
Alior suits people in Poland who want one bank to hold their everyday money and their cover. Insurance starts at PLN 15,000, well above the €8.37 most listed brands charge, so the price is the first thing to weigh.
Allianz Lebensversicherungs-AG
Allianz Lebensversicherungs-Aktiengesellschaft is a German insurer that suits people who want term life cover priced from €2.60 a month, with limits of 25,000-20,000,000 EUR and entry ages reaching up to 74 years. You deal with the insurer itself, and support runs on phone, email and chat while claims run on phone, chat and online form.
Score breakdown
| Area | Alior | Allianz Lebensversicherungs-AG |
|---|---|---|
| Cost | 8.0Premium from PLN 15,000 sits well above the €8.37 typical across the site | 9.3HigherStarts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. |
| Offer | 9.4Higher | 9.2 |
| Trust | 8.7 | 9.6Higher |
Choosing between them
Pick Alior if insurance types matter most.
Pick Allianz Lebensversicherungs-AG if trust matter most.
Availability and regulation
| Country | Alior | Allianz Lebensversicherungs-AG |
|---|---|---|
| Germany | Not confirmed | |
| Poland | Not confirmed |
Additional countries for Alior: 1. Additional countries for Allianz Lebensversicherungs-AG: 1.
Sources behind this comparison
Alior
- aliorbank.pl: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Allianz Lebensversicherungs-AG
- allianz.de: 11 facts, checked September 26, 2026
How they place
| Ranking | Alior | Allianz Lebensversicherungs-AG |
|---|---|---|
| Life insurance | 23 of 263 | 44 of 263 |
| Income protection insurance | 6 of 92 | 11 of 92 |
Every fact side by side
| Fact | Alior | Allianz Lebensversicherungs-AG |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Alior Bank S.A. (KRS 0000305178) | Allianz Lebensversicherungs-Aktiengesellschaft |
| Headquarters | Poland | Germany |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Help centre, Chat | Phone, Email, Chat, Help centre |
Pros and cons
Alior
Pros
- One app handles the account and the cover, with phone, email and help centre for questions
- Cover spans auto, home and life so most needs sit in one place
- Life cover for borrowers is set at up to the amount of the loan granted
Cons
- Premium from PLN 15,000 is well above the €8.37 across the site
- As a broker, the policy sits with an insurer, so terms come from that insurer
- Age range runs to Children from birth to 26 years of age, so older customers sit outside the children's cover
Allianz Lebensversicherungs-AG
Pros
- Starting premium of €2.60 a month, under the comparison median €8.37.
- Cover limits run 25,000-20,000,000 EUR, so the policy scales across a wide range of sums.
- Monthly payments are available, so the cost is spread over the year instead of paid upfront.
Cons
- Monthly is the only payment model listed (monthly), so the payment schedule is a narrow choice.
- The types listed are life and income protection, so the range stops at life and income protection cover.
- Entry ages stop at up to 74 years, so applicants past that point sit outside the range.
Who each suits
Alior
Who it suits
- Existing Alior banking customers who want cover in the same place
- People buying a home, car or travel policy alongside a loan
- Polish residents who prefer dealing in Polish and hold accounts at a domestic bank
Who should look elsewhere
- Anyone chasing the lowest entry price, since bunq lists a premium from €0
- Buyers wanting pet, health or motorcycle cover, where Good Sam Insurance Agency lists more lines
- Shoppers wanting a single insurer rather than a broker
Allianz Lebensversicherungs-AG
Who it suits
- People in DE who want life or income protection and would rather hold the policy with the insurer than a broker, since the provider type is insurer
- Anyone who wants the premium spread monthly rather than settled at once, since monthly payments are available
- Applicants inside the entry ages of up to 74 years who want cover sized anywhere within 25,000-20,000,000 EUR
Who should look elsewhere
- Not Linxea if the lowest monthly figure matters most, since Linxea starts at €25 against Allianz's €2.60
- Not Oney Préstamos ES, whose starting premium of €1,000 sits well above Allianz's €2.60
- Not Good Sam Insurance Agency if you want a wider spread of policies, since it covers auto, home and renters while Allianz lists life and income protection
Current offers
Alior
Current offer
Discount code
Ubezpieczenie NNW PZU EDUKACJA - 10% taniej dla klientow Alior Banku: 10% discount
Discount applied automatically when moving to the mojePZU service; for NNW PZU Edukacja policies concluded by 31.05.2027
Source, checked September 26, 2026
Bonus
Alior Konto z premia do 800 zl plus stylowa obraczka platnicza: Bonus up to 800 PLN plus payment ring
Open an Alior Konto / Alior Konto Plus account online with the code PREMIA2026; separate bonus terms apply
Source, checked September 26, 2026
Country by country
| Country | Alior | Allianz Lebensversicherungs-AG |
|---|---|---|
| Germany | No | Yes |
| Poland | Yes | No |
Questions about each
Alior
What does insurance cost at Alior?+
Cover starts at PLN 15,000, which is the figure the bank publishes. That sits above the €8.37 most brands on the site start at, so Alior is not the cheapest way into cover here. The exact premium depends on the policy, the sum insured and the term you pick.
Does Alior insure directly or act as a broker?+
Alior is a broker, so an insurer underwrites the policy while the bank sells it. That distinction matters at claims stage, because the contract, the terms and the payout all come from the insurer. The distribution activity is listed with the Komisja Nadzoru Finansowego register of insurance agents.
Allianz Lebensversicherungs-AG
How much does the cover cost each month?+
Premiums start at €2.60 a month, and monthly is the payment model on offer (monthly). That sits under the comparison median €8.37, so entry pricing falls in the cheaper part of the market, with the exact figure depending on the cover you choose.
How much cover can I get?+
Cover limits run 25,000-20,000,000 EUR, so the policy can be sized for a modest sum or a far larger one. The range gives room to match cover to a mortgage, a dependants' income or a legacy, and the wider sums sit alongside €2.60 when the premium is worked out.