Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs CHECK24
Allianz Lebensversicherungs-AG vs CHECK24: the differences
| Compare |  Allianz Lebensversicherungs-AG |  CHECK24 |
|---|---|---|
| Premium from | €2.60 | €0.69Lower |
| Insurance types | Life, Income protection | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more |
| Provider type | Insurer | Comparison site |
| Cover limit | 25,000-20,000,000 EUR | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Claims channels | Phone, Chat, Online form | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Age range | up to 74 years | Not confirmed |
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Key differences
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 9.3.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €2.60.
- Insurance types: only CHECK24 offers Auto, Home, Health.
- Claims channels: only Allianz Lebensversicherungs-AG offers Phone, Chat, Online form.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
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.
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | CHECK24 |
|---|---|---|
| Cost | 9.3Starts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. |
| Offer | 9.2 | 9.6Higher |
| Trust | 9.6Higher | 8.6 |
Where they rank in our lists
| Ranking | Allianz Lebensversicherungs-AG | CHECK24 |
|---|---|---|
| Life insurance | 39 of 261 | 7 of 261 |
| Income protection insurance | 9 of 92 | 3 of 92 |
Every fact side by side
| Fact | Allianz Lebensversicherungs-AG | CHECK24 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | CHECK24 Vergleichsportal GmbH |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1999 |
| Support channels | Phone, Email, Chat, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | CHECK24 | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €0.69lowest quarter | €5.97 |
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.
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
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
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
Country by country
| Country | Allianz Lebensversicherungs-AG | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Spain | No | Yes |
| 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.
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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