Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs Aviva
Where Allianz Lebensversicherungs-AG and Aviva differ
| Compare |  Allianz Lebensversicherungs-AG |  Aviva |
|---|---|---|
| Premium from | €2.60 | £5 |
| Insurance types | Life, Income protection | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, BreakdownCovers more |
| Claims channels | Phone, Chat, Online form | Online, App, Phone |
| Age range | up to 74 years | 18-77 |
| Cover limit | 25,000-20,000,000 EUR | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Insurance types: only Aviva offers Auto, Home, Renters.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only Aviva offers Online, App.
- Support channels: only Allianz Lebensversicherungs-AG offers Email.
Our verdict on each
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.
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Cost | 9.3HigherStarts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.6 | 9.6 |
Availability and regulation
| Country | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 308139 |
Additional countries for Allianz Lebensversicherungs-AG: 1. Additional countries for Aviva: 1.
How they place
| Ranking | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Life insurance | 39 of 261 | 42 of 261 |
| Income protection insurance | 9 of 92 | 11 of 92 |
What we checked
Allianz Lebensversicherungs-AG
- allianz.de: 11 facts, checked September 26, 2026
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | Aviva plc |
| Headquarters | Germany | United Kingdom |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Chat, Help centre |
Business insurance
| Fact | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Cover types | Not confirmed | Employers liability, Professional indemnity, Public liability |
| Industries | Not confirmed | vehicles, vans, rental property |
Pros and cons
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.
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
Who each suits
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
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
Current offers
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
Country by country
| Country | Allianz Lebensversicherungs-AG | Aviva |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
Other options to compare
Other matchups
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- Allianz Lebensversicherungs-AG vs Barmenia
- Allianz Lebensversicherungs-AG vs Guardian1821
- Aviva vs DZI
- Aviva vs Groupama MRH
- Aviva vs Porto Seguro
- Aviva vs RAC
- Aviva vs KS Auxilia
- Allianz Lebensversicherungs-AG vs CosmosDirekt
- Allianz Lebensversicherungs-AG vs ERGO Group Deutschland
- Allianz Lebensversicherungs-AG vs Getsafe
- Aviva vs Acko
- Aviva vs Gigasure
- Aviva vs Eversure
- Aviva vs MoneyHero
- Aviva vs Insify.fr
- Aviva vs Emergency Assist
Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Life
- Insurance providers available in Germany
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Income protection
- Insurance providers available in United Kingdom