Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs CosmosDirekt
Where Allianz Lebensversicherungs-AG and CosmosDirekt differ
| Compare |  Allianz Lebensversicherungs-AG |  CosmosDirekt |
|---|---|---|
| Premium from | €2.60 | €1.73Lower |
| Insurance types | Life, Income protection | Auto, Home, Life, Motorcycle, Travel, Pet, Landlord, Income protectionCovers more |
| Cover limit | 25,000-20,000,000 EUR | up to 20,000 EUR per trip (single) / 40,000 EUR per trip (family) |
| Claims channels | Phone, Chat, Online form | Online, Phone |
| Age range | up to 74 years | up to 64 years |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Premium from is lower at CosmosDirekt: €1.73 vs €2.60.
- Insurance types: only CosmosDirekt offers Auto, Home, Motorcycle.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only CosmosDirekt offers Online.
- 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.
CosmosDirekt
CosmosDirekt underwrites its own policies, so readers who want the contract, the claims handling and the premium to sit with a single insurer get a straightforward deal, with premiums starting at €1.73 on monthly terms. The cost score reads 8.2, and the trade-off is a single provider name across many lines of cover.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| Cost | 9.3Starts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.4HigherEntry premium of €1.73 on monthly policies sits under the site median of €8.37, though 44 of 252 brands rank lower still. |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.6 | 9.6 |
Availability and regulation
| Country | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| Germany |
Available in 1 country for both.
Feature by feature
| Insurance types | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Landlord | No | Yes |
| Income protection | Yes | Yes |
How they place
| Ranking | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| Life insurance | 39 of 261 | 4 of 261 |
| Income protection insurance | 9 of 92 | 1 of 92 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.60 for Allianz Lebensversicherungs-AG and €1.73 for CosmosDirekt.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | Cosmos Versicherung Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1950 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | CosmosDirekt | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €1.73lowest 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.
CosmosDirekt
Pros
- Premiums start at €1.73 on monthly policies, under the site median of €8.37.
- CosmosDirekt is an insurer, insurer, so the policy and the payout sit with the same company, Cosmos Versicherung Aktiengesellschaft.
- Cover spans auto, home and life, letting a household place several lines with a single provider.
Cons
- The €1.73 entry figure ranks 44 of 252 brands on price, better than most, yet the floor across the site is €0.
- Support runs on phone, email and help centre only, with no chat line or community forum in that list.
- auto, home and renters at Good Sam Insurance Agency adds renters and health cover, so a reader needing those lines goes elsewhere.
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
CosmosDirekt
Who it suits
- Readers who want the insurer itself rather than a broker, with the policy and the claim sitting at Cosmos Versicherung Aktiengesellschaft.
- People who budget monthly, since monthly payments are available and monthly is the listed model.
- Households wanting motor, home, travel, pet and landlord cover from a single provider, all under auto, home and life.
Who should look elsewhere
- Readers who want renters or health cover from a single provider: Good Sam Insurance Agency lists auto, home and renters and reaches further than auto, home and life.
- Anyone whose only measure is the entry figure: bunq starts at €0 against €1.73 here.
- Buyers who price in a single currency: EuroAsia Insurance quotes UZS 60,000, so its figure needs converting before it can sit beside €1.73.
Current offers
CosmosDirekt
Current offer
Bonus
Risikolebensversicherung Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers (5 x 15 EUR spread over 5 years)
Promo code RLV9EC26 entered on online term life application by 30.09.2026; not combinable with other actions; vouchers delivered by email, no cash payout of the total
Source, checked September 26, 2026
Bonus
FlexInvest Amazon.de voucher action: up to 75 EUR in Amazon.de vouchers
Valid until 30.09.
Source, checked September 26, 2026
Country by country
| Country | Allianz Lebensversicherungs-AG | CosmosDirekt |
|---|---|---|
| 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.
CosmosDirekt
How much does CosmosDirekt cost to begin with?+
Premiums start at €1.73, and that figure belongs to a monthly policy because monthly payments are available. It is an entry point for a single line rather than a household quote. For scale, the median entry premium across the site is €8.37 and the floor is €0.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and the payment model listed is monthly, so the premium is collected month by month instead of in a single annual sum. Across the site 88.9% of brands take monthly payments, so this is the normal arrangement rather than an exception.
Other options to compare
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Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Life
- Insurance providers available in Germany
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Income protection
- Insurance providers with Auto