Updated September 29, 2026 · AssureCue Editorial Team
Top life insurance compared
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| # | Insurance provider | Score | Key facts | Actions |
|---|---|---|---|---|
| 61 |  Nationale-Nederlanden life insurance 20% discount on Woonverzekering (home insurance) | 9.4/10 |
| ReviewCompareSee alternatives |
| 62 |  OP Financial Group | 9.4/10 |
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| 63 | Singlife PH | 9.4/10 |
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| 64 |  State Farm Bundle auto and renters insurance: up to $900 average annual household savings | 9.4/10 |
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| 65 |  Scottish Friendly | 9.4/10 |
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| 66 |  American Family | 9.3/10 |
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| 67 |  Belfius 2 months discount on the first year premium of Belfius Home fire insurance for tenants: 2 months off the 1st year premium | 9.3/10 |
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| 68 |  BNP Paribas Cardif DE | 9.3/10 |
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| 69 |  Bulstrad Vienna Insurance Group Adding a bonus for your home - 60+5 months | 9.3/10 |
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| 70 |  Cirencester Friendly | 9.3/10 |
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About Top life insurance compared
Life insurance lines up 244 brands on the things that decide the price and the safety of your money. The trade-off that matters most is what a policy costs to start against who is actually holding the contract, because a broker writes the policy while a comparison site only introduces you to whoever does. Starting premiums here run €0 to €3,431.08, the median is €7.95 and the upper quartile is €25. The second trade-off is convenience: 100% of the range is priced monthly and phone support reaches 92.2% of it, so it is easy to favour a provider that answers quickly. The order below runs as the ranking has it.
How we picked
Scores come from three weighted inputs: cost at 35%, offer at 25% and trust at 40%. Cost reads the starting premium and the range around it. Offer reads the categories a brand writes, the extras it can attach and the payment rhythms it allows. Trust reads the kind of company, the legal entity named on the paperwork and the support routes published for it. Every figure here comes from a brand's own product pages or its legal notices, and the reference printed beside each one points back to where it was published. Brands marked as partners are listed first in score order, so the opening slots are not a verdict on merit by themselves, and the rest follow the same score underneath. A strong score can still be a poor fit if a brand only serves another market, another age group or another kind of customer.
How we rankOur top picks
3. Linxea: best for top-pickLinxea takes the lead in this ranking because it is built for a single job: life cover for people who have just moved country. It is a French broker founded in 2001, writes life insurance and nothing else, and aims that product at expats rather than at whoever fills in the form. Premiums start at €25 and monthly payments are available, so a first policy can stay small. Claims run on phone, email and post and support reaches phone, chat and email. The trade-off against Oney Préstamos ES, next in this ranking, is focus: Oney bundles life with health and gadget cover under cover of Up to 45,000 EUR, but it is built for a Spanish market, while Linxea goes deeper for someone newly arrived.
- Premium from: €25
- Insurance types: Life
- Provider type: Broker
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.
- Claims can go in by phone, email or post, on phone, email and post.
- The policy is aimed at expats, a group the life insurance ranking is less focused on than seniors.
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.
What to look for
- Start with the starting premium
- Life cover prices vary more widely here than the product labels suggest. Premiums in this ranking run €0 to €3,431.08, the median is €7.95, the lower quartile is €3.24 and the upper quartile is €25. Several brands quote at no cost at all, so read the opening figure as a floor and ask what it assumes about cover amount, term and age.
- Check who stands behind the policy
- A broker writes the policy, an insurer carries the risk and a comparison site only introduces you. In this category 37.9% of the brands are brokers and 41.8% are insurers, with 19.4% acting as comparison sites. Confirm the legal entity printed on the quote, because the name you searched for may not be the company holding your money.
- Monthly or a single payment
- A policy that can be paid monthly is easier to start and easier to keep. 94.4% of brands in this ranking accept monthly payments against 5.6% that do not, and 100% of the range is priced on a monthly basis. Ask whether the monthly figure is the whole premium or a smaller instalment with the remainder billed later.
- Who the cover is written for
- Audience shapes underwriting and terms as much as price does. 38.7% of the brands here are built for people who have moved country, and 76% are aimed at older customers. A specialist written for your situation can serve you better than a generalist quoting the same headline price.
- Help when a claim is made
- Life claims are infrequent and slow, so the route matters. Phone support reaches 92.2% of brands in this ranking, a help centre reaches 75%, chat reaches 35.3% and a community reaches 6%. Look for a named claim channel rather than general customer support.
- The categories around life cover
- A life policy rarely stands alone. 92.2% of this ranking lists life cover, 54.1% list health, 36.1% income protection and 67.2% motor cover, with 155 of 244 brands holding a licence and 3 partners involved. Check the neighbouring categories before you commit to a single provider.
Frequently asked questions
What does this ranking measure for life insurance?+
Three things: what a policy costs, what it covers and who stands behind it. Cost comes from starting premiums and the range around them, offer from the categories a brand writes and the payment rhythms it allows, and trust from the kind of company, the legal entity and the support routes published on its own pages. Brands marked as partners are placed first, and the rest follow the same score, so the order is a weighted blend rather than price alone.
What is the lowest starting premium for life insurance here?+
Starting premiums in this ranking run €0 to €3,431.08. The median is €7.95, the lower quartile is €3.24 and the upper quartile is €25. Several brands quote at no charge, which makes the opening figure a floor rather than a promise, so ask what cover amount and term that figure assumes.
Can I pay life insurance monthly?+
Most brands here can. 94.4% of them accept monthly payments against 5.6% that do not, and Linxea, Oney Préstamos ES, ComparaJa, Doutor Financas and LowestRates.ca all price a monthly model. That keeps a first policy small and easy to raise later, though it is worth checking whether the monthly figure is a discounted annual price or a flexible instalment.
Which brand suits people who have moved country?+
Linxea is written for them. Its cover is aimed at expats, it is a French broker founded in 2001 and it sells life insurance and nothing else, so a newcomer gets a single product rather than a bundle to untangle. 38.7% of brands in this ranking target that group. Check what you would pay in your new country before you commit.
Do these brands also sell car and travel insurance?+
Most do, which makes a single renewal date easier to keep. 67.2% of the brands here also handle motor cover and 50.8% handle travel, with 54.1% offering health alongside. Good Sam Insurance Agency lists life beside auto, home, renters, health, travel, pet and motorcycle, while Find Forsikring DK adds income protection. A longer list means easier comparison but more prices to weigh.
Which brand is easiest to reach if something goes wrong?+
Phone is the most reliable route, reaching 92.2% of this ranking. Linxea answers on phone, chat and email and takes claims on phone, email and post, while Oney Préstamos ES handles claims through help centre alone and Doutor Financas takes them on client support area and phone. Read the claim channel rather than the sales line before you sign anything.
Top life insurance compared by country
Related by the facts
Reviews
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median premium from | 7.95 EUR | 126 |
| Lower quartile premium from | 3.24 EUR | 126 |
| Upper quartile premium from | 25 EUR | 126 |
| Lowest premium from | 0 EUR | 126 |
| Highest premium from | 3,431.08 EUR | 126 |
| Insurance types: auto | 67.2 % | 244 |
| Insurance types: home | 65.6 % | 244 |
| Insurance types: renters | 18.4 % | 244 |
| Insurance types: life | 92.2 % | 244 |
| Insurance types: health | 54.1 % | 244 |
| Insurance types: travel | 50.8 % | 244 |
| Insurance types: pet | 33.6 % | 244 |
| Insurance types: motorcycle | 31.1 % | 244 |
| Insurance types: van | 4.9 % | 244 |
| Insurance types: breakdown | 7.8 % | 244 |
