Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs Barmenia
Allianz Lebensversicherungs-AG vs Barmenia: the differences
| Compare |  Allianz Lebensversicherungs-AG |  Barmenia |
|---|---|---|
| Premium from | €2.60 | €2.40Lower |
| Insurance types | Life, Income protection | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more |
| Cover limit | 25,000-20,000,000 EUR | Unlimited annual maximum benefit (pet surgery cover) |
| Claims channels | Phone, Chat, Online form | Online claims form, Phone, Email, Customer portal |
| Age range | up to 74 years | Any age (dog surgery cover) |
| Excess from | Not confirmed | €250 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Premium from is lower at Barmenia: €2.40 vs €2.60.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Support channels: only Allianz Lebensversicherungs-AG offers Chat.
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.
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
Score breakdown
| Area | Allianz Lebensversicherungs-AG | Barmenia |
|---|---|---|
| Cost | 9.3HigherStarts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. |
| Offer | 9.2 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
Choosing between them
Pick Allianz Lebensversicherungs-AG if cost matter most.
Pick Barmenia if offer, premium from, and insurance types matter most.
Where they rank in our lists
| Ranking | Allianz Lebensversicherungs-AG | Barmenia |
|---|---|---|
| Life insurance | 39 of 261 | 45 of 261 |
| Income protection insurance | 9 of 92 | 12 of 92 |
Where each is licensed and available
| Country | Allianz Lebensversicherungs-AG | Barmenia |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both.
Sources behind this comparison
Allianz Lebensversicherungs-AG
- allianz.de: 11 facts, checked September 26, 2026
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Allianz Lebensversicherungs-AG | Barmenia |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | Barmenia Versicherungen a. G. |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1904 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | Barmenia | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €2.40lowest quarter | €5.97 |
| Excess from | Not confirmed | €250highest quarter | €70 |
Median across 109 listed insurance providers.
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.
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
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
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
Country by country
| Country | Allianz Lebensversicherungs-AG | Barmenia |
|---|---|---|
| Germany | Yes | 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.
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
Other options to compare
Other matchups
- Allianz Lebensversicherungs-AG vs die Bayerische
- Allianz Lebensversicherungs-AG vs Principal
- Allianz Lebensversicherungs-AG vs Aviva
- Allianz Lebensversicherungs-AG vs Guardian1821
- Barmenia vs Mutual of Omaha
- Allianz Lebensversicherungs-AG vs CosmosDirekt
- Allianz Lebensversicherungs-AG vs ERGO Group Deutschland
- Allianz Lebensversicherungs-AG vs CHECK24
- Barmenia vs TIPINSURE
- Allianz Lebensversicherungs-AG vs Getsafe
- Barmenia vs Acko
- Barmenia vs MoneyHero