Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs Getsafe
What sets them apart
| Compare |  Allianz Lebensversicherungs-AG |  Getsafe |
|---|---|---|
| Premium from | €2.60Lower | €2.90 |
| Insurance types | Life, Income protection | Home, Dental, Life, Health, Travel, Pet, Income protectionCovers more |
| Provider type | Insurer | Broker |
| Cover limit | 25,000-20,000,000 EUR | Up to 4x the official German vet fee rate |
| Claims channels | Phone, Chat, Online form | App, Phone, Chat |
| Excess from | Not confirmed | €0 |
| Age range | up to 74 years | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 9.1.
- Getsafe is available in 1 more country.
- Premium from is lower at Allianz Lebensversicherungs-AG: €2.60 vs €2.90.
- Insurance types: only Getsafe offers Home, Dental, Health.
- Claims channels: only Allianz Lebensversicherungs-AG offers Online form.
- Claims channels: only Getsafe offers App.
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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Cost | 9.3Starts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.2 | 9.5Higher |
| Trust | 9.6Higher | 8.6 |
Choosing between them
Pick Allianz Lebensversicherungs-AG if premium from matter most.
Pick Getsafe if offer and insurance types matter most.
Where they rank in our lists
| Ranking | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Life insurance | 44 of 263 | 14 of 263 |
| Income protection insurance | 11 of 92 | 4 of 92 |
Side by side, item by item
| Insurance types | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Home | No | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Dental | No | Yes |
| Income protection | Yes | Yes |
Availability and regulation
| Country | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
Available in 1 country for both. Additional countries for Getsafe: 1.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.60 for Allianz Lebensversicherungs-AG and €2.90 for Getsafe.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | Getsafe | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €2.90below the median | €5.97 |
| Excess from | Not confirmed | €0below the median | €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.
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
Country by country
| Country | Allianz Lebensversicherungs-AG | Getsafe |
|---|---|---|
| Austria | 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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