Updated September 28, 2026 · AssureCue Editorial Team

Linxea vs Principal

Linxea scores 8.9 and Principal 9.5 out of 10. Compare their differences and shared features below.

Linxea

8.9/10

Facts checked September 26, 2026.

Principal

9.5/10

Facts checked September 26, 2026.

Where Linxea and Principal differ

Linxea vs Principal
Compare
LinxeaLinxea
ReviewVisitVisit
PrincipalPrincipal
ReviewSee alternativesSee alternatives
Insurance typesLifeDental, Life, Critical illness, Income protectionCovers more
Provider typeBrokerInsurer
Claims channelsPhone, Email, PostDentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims
Age range18+Member, spouse and dependents to age 26
Premium from€25Not confirmed
Monthly paymentsYesNot confirmed
Cover limitNot confirmedDental annual maximum typically $1,000 to $2,000 per year

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

  • Principal scores higher overall: 9.5 vs 8.9.
  • Founded is lower at Principal: 1879 vs 2001.
  • Insurance types: only Principal offers Dental, Critical illness, Income protection.
  • Claims channels: only Linxea offers Phone, Email, Post.
  • Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
  • Support channels: only Linxea offers Chat, Community.

Our verdict on each

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.

Read the full Linxea review

Principal

Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.

Read the full Principal review

Score breakdown

Linxea vs Principal
AreaLinxeaPrincipal
Cost8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking.Not confirmed
Offer9.19.1
Trust8.99.7Higher

Availability and regulation

Linxea vs Principal
CountryLinxeaPrincipal
FranceNot confirmed
United StatesNot confirmed

Additional countries for Linxea: 1. Additional countries for Principal: 1.

Side by side, item by item

Linxea vs Principal
Insurance typesLinxeaPrincipal
LifeYesYes
DentalNoYes
Critical illnessNoYes
Income protectionNoYes

Positions in our rankings

Linxea vs Principal
RankingLinxeaPrincipal
Life insurance3 of 26342 of 263

Where these facts come from

Linxea

  • linxea.com: 12 facts, checked September 26, 2026

Principal

  • principal.com: 8 facts, checked September 26, 2026
  • linkedin.com: 1 fact, checked September 26, 2026

Every fact side by side

Linxea vs Principal
FactLinxeaPrincipal
AudienceExpatsNot confirmed
Pricing modelMonthlyNot confirmed
Legal entityLINXEA, societe par actions simplifiee, RCS Paris 478 958 762Principal Life Insurance Company
HeadquartersFranceUnited States
Founded20011879Lower
Support channelsPhone, Chat, Email, Help centre, CommunityCovers morePhone, Email, Help centre

Where each stands against the rest

Linxea vs Principal
FactLinxeaPrincipalMedian
Premium from€25highest quarterNot confirmed€6.02

Median across 116 listed insurance providers.

Pros and cons

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.

Principal

Pros

  • Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
  • Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
  • Support runs on phone, email and help centre, so a phone line and a help centre back the plan.

Cons

  • Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
  • Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
  • Support runs on phone, email and help centre only, with no live chat or branch counter listed.

Who each suits

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

Principal

Who it suits

  • Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
  • Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
  • US employees and their families, since the insurer is based in the United States.

Who should look elsewhere

  • Linxea, whose list is life, leaves a member who wants dental without a dental line.
  • Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
  • Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.

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

Linxea vs Principal
CountryLinxeaPrincipal
FranceYesNo
United StatesNoYes

Questions about each

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.

Principal

What kinds of cover does Principal write?+

Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.

How much does the dental plan pay out each year?+

The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.

Principal

Principal

Higher score in this comparison

9.5/10See alternatives