Updated September 28, 2026 · AssureCue Editorial Team
Allianz Lebensversicherungs-AG vs Linxea
Allianz Lebensversicherungs-AG vs Linxea: the differences
| Compare |  Allianz Lebensversicherungs-AG |  Linxea |
|---|---|---|
| Premium from | €2.60Lower | €25 |
| Insurance types | Life, Income protectionCovers more | Life |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Chat, Online form | Phone, Email, Post |
| Age range | up to 74 years | 18+ |
| Cover limit | 25,000-20,000,000 EUR | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Allianz Lebensversicherungs-AG scores higher overall: 9.4 vs 8.9.
- Premium from is lower at Allianz Lebensversicherungs-AG: €2.60 vs €25.
- Insurance types: only Allianz Lebensversicherungs-AG offers Income protection.
- Claims channels: only Allianz Lebensversicherungs-AG offers Chat, Online form.
- Claims channels: only Linxea offers Email, Post.
- Support channels: only Linxea offers Community.
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.
Linxea
Linxea suits expats in France who want a life policy with monthly payments and a wide support choice. Fees start at €25, which sits above the €8.37 across the ranking, so the account runs on price rather than entry cost.
Score breakdown
| Area | Allianz Lebensversicherungs-AG | Linxea |
|---|---|---|
| Cost | 9.3HigherStarts at €2.60 a month, under the comparison median €8.37, and monthly payments are available. | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. |
| Offer | 9.2Higher | 9.1 |
| Trust | 9.6Higher | 8.9 |
How they place
| Ranking | Allianz Lebensversicherungs-AG | Linxea |
|---|---|---|
| Life insurance | 44 of 263 | 3 of 263 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.60 for Allianz Lebensversicherungs-AG and €25 for Linxea.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | Allianz Lebensversicherungs-AG | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Lebensversicherungs-Aktiengesellschaft | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 |
| Headquarters | Germany | France |
| Founded | Not confirmed | 2001 |
| Support channels | Phone, Email, Chat, Help centre | Phone, Chat, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | Allianz Lebensversicherungs-AG | Linxea | Median |
|---|---|---|---|
| Premium from | €2.60lowest quarter | €25highest quarter | €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.
Linxea
Pros
- Monthly payments are available, which most providers in this ranking also offer.
- Support runs on phone, chat and email, wider than the median provider in this ranking.
- Linxea is a broker, listed in the Orias register under 07 031 073.
Cons
- Fees start at €25, above the €7.95 for this ranking.
- Only life insurance is offered, narrower than auto, home and renters.
- The entry age starts at 18+, so younger savers cannot open an account.
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
Linxea
Who it suits
- Expats living in France who want a life policy with monthly payments
- Adults who prefer broker advice rather than a direct insurer
- People who want help by phone, chat, email and a help centre
Who should look elsewhere
- Anyone wanting auto, home, health or travel cover alongside life, where Good Sam Insurance Agency covers more ground
- Anyone looking for the lowest entry fee, since bonus.ch starts at CHF 0
- Borrowers comparing loan amounts, since Oney Préstamos ES quotes €1,000
Current offers
Linxea
Current offer
Bonus
100 EUR welcome gift for opening a Linxea Spirit 2 contract for a minor child: 100 EUR
Opening a Linxea Spirit 2 contract for a minor child, under the conditions of the welcome offer
Source, checked September 26, 2026
Bonus
Boost Suravenir Opportunites 2 yield bonus on Linxea Avenir 2 (2026-2027): +1.50% net (target 4.50% net)
From 15/09/2026 to 31/12/2026, minimum 20,000 EUR deposit in free management split between the Suravenir Opportunites 2 euro fund and unit accounts; +1.00% net if at least 30% in non-guaranteed unit accounts, +1.50% net if at least 50%; excludes programmed deposits and Pacte transfers
Source, checked September 26, 2026
Country by country
| Country | Allianz Lebensversicherungs-AG | Linxea |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
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.
Linxea
What does a Linxea policy cost to start?+
The entry point is €25, and monthly payments are available if you would rather spread the commitment. For context, the median starting fee across this site is €8.37, and Linxea ranks at 183 out of 252 brands on this measure. So the starting figure is above the middle of the pack rather than at the budget end.
Can I pay a Linxea policy monthly?+
Yes. Monthly payments are offered, and monthly describes the payment structure. Most brands in this life insurance ranking also offer monthly payments, so this is a common feature rather than a differentiator. It still matters for cash flow, since it turns one yearly commitment into smaller sums spread through the year.
Other options to compare
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