Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs ERGO Group Deutschland
Where Allianz Lebensversicherungs-AG and ERGO Group Deutschland differ
| Compare |  Allianz Lebensversicherungs-AG |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €2.60Lower | €3.90 |
| Insurance types | Life, Income protection | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more |
| Cover limit | 25,000-20,000,000 EUR | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Phone, Chat, Online form | Online, Phone |
| Age range | up to 74 years | Under 36 (13% start bonus for young people) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Premium from is lower at Allianz Lebensversicherungs-AG: €2.60 vs €3.90.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Health.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Allianz Lebensversicherungs-AG offers Help centre.
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.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.3Starts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.6 | 9.6 |
Choosing between them
Pick Allianz Lebensversicherungs-AG if premium from matter most.
Pick ERGO Group Deutschland if insurance types matter most.
Feature by feature
| Insurance types | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Income protection | Yes | Yes |
Availability and regulation
| Country | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Germany |
Available in 1 country for both.
How they place
| Ranking | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Life insurance | 43 of 263 | 5 of 263 |
| Income protection insurance | 10 of 92 | 2 of 92 |
Every fact side by side
| Fact | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | ERGO Group AG |
| Headquarters | Germany | Germany |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €3.90below the median | €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.
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
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
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | Allianz Lebensversicherungs-AG | ERGO Group Deutschland |
|---|---|---|
| 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.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
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