Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs lifeDirect
Allianz Lebensversicherungs-AG
Higher score in this comparison
lifeDirect
What sets them apart
| Compare | Allianz Lebensversicherungs-AGReviewSee alternativesSee alternatives | lifeDirectReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Life, Income protection | Life, Health, Income protection, Critical illness, Home, Auto, PetCovers more |
| Provider type | Insurer | Comparison site |
| Claims channels | Phone, Chat, Online form | Online, Phone |
| Premium from | €2.60 | Not confirmed |
| Cover limit | 25,000-20,000,000 EUR | Not confirmed |
| Age range | up to 74 years | Not confirmed |
Same on both: 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
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 8.9.
- Insurance types: only lifeDirect offers Health, Critical illness, Home.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only lifeDirect 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.
lifeDirect
LifeDirect is a New Zealand comparison site rather than an insurer, so it puts life, health, income protection, critical illness, home, auto and pet quotes side by side before you apply. It suits people who want monthly payments and a licensed intermediary instead of one provider for everything.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | lifeDirect |
|---|---|---|
| Cost | 9.3HigherStarts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 9.1 |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.6Higher | 8.5 |
How they place
| Ranking | Allianz Lebensversicherungs-AG | lifeDirect |
|---|---|---|
| Life insurance | 44 of 263 | 194 of 263 |
| Income protection insurance | 11 of 92 | 73 of 92 |
Every fact side by side
| Fact | Allianz Lebensversicherungs-AG | lifeDirect |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | LifeDirect 2020 Limited |
| Headquarters | Germany | New Zealand |
| Founded | Not confirmed | 2005 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | lifeDirect | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | Not confirmed | €6.02 |
Median across 116 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.
lifeDirect
Pros
- Monthly payments are available, with cover arranged on a monthly basis
- Life, health, income protection, critical illness, home, auto and pet can be compared in one place, all listed in life, health and income protection
- Support runs on email, phone and help centre, and claims run on online and phone
Cons
- It is a comparison site (comparison site), so the policy sits with the insurer you pick rather than with the site itself
- Live chat is not among its support channels (email, phone and help centre)
- Annual billing is not among its payment models (monthly)
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
lifeDirect
Who it suits
- New Zealand households shopping for life or health cover alongside car, home and pet insurance
- Anyone who wants to pay monthly rather than settle a policy in one go
- People who would rather weigh several insurers than deal with a single provider
Who should look elsewhere
- Hiscox UK, whose listed types are home, renters and landlord, aimed at home and vehicle policies
- Euroasia Insurance, whose listed types are auto, home and travel
- Good Sam Insurance Agency, whose auto, home and renters run in a different market
Current offers
lifeDirect
Current offer
Bonus
20% Cashback: 20% cashback
On applicable new insurance policies. T&Cs apply.
Source, checked September 26, 2026
Country by country
| Country | Allianz Lebensversicherungs-AG | lifeDirect |
|---|---|---|
| Germany | Yes | No |
| New Zealand | No | 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.
lifeDirect
What kind of company is LifeDirect?+
It is a comparison site rather than an insurer, so quotes come from partner insurers and the policy is issued by the insurer you choose. The legal entity behind it is LifeDirect 2020 Limited, and the site is based in New Zealand, so it operates as a New Zealand intermediary.
Can I pay monthly instead of in one go?+
Yes, monthly payments are available, and the payment model listed for the site is monthly. That suits anyone who would rather spread the cost across the year than settle a policy as a single lump sum.
Other options to compare
Other matchups
- Allianz Lebensversicherungs-AG vs Everyday Life Insurance
- Allianz Lebensversicherungs-AG vs Nationale-Nederlanden life insurance
- Allianz Lebensversicherungs-AG vs die Bayerische
- Allianz Lebensversicherungs-AG vs Principal
- Allianz Lebensversicherungs-AG vs Aviva
- Allianz Lebensversicherungs-AG vs Barmenia
- Allianz Lebensversicherungs-AG vs Polizza Vita con Bonus
- Allianz Lebensversicherungs-AG vs Linxea
- Allianz Lebensversicherungs-AG vs CosmosDirekt
- Allianz Lebensversicherungs-AG vs ERGO Group Deutschland
- Allianz Lebensversicherungs-AG vs Max Life Insurance
- Allianz Lebensversicherungs-AG vs CHECK24
- Allianz Lebensversicherungs-AG vs Getsafe
- Allianz Lebensversicherungs-AG vs Alior
Related by the facts
Allianz Lebensversicherungs-AG
lifeDirect