Updated September 28, 2026 · AssureCue Editorial Team
Linxea vs Principal
Where Linxea and Principal differ
| Compare | ||
|---|---|---|
| Insurance types | Life | Dental, Life, Critical illness, Income protectionCovers more |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Post | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Age range | 18+ | Member, spouse and dependents to age 26 |
| Premium from | €25 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | Dental annual maximum typically $1,000 to $2,000 per year |
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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.
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.
Score breakdown
| Area | Linxea | Principal |
|---|---|---|
| Cost | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. | Not confirmed |
| Offer | 9.1 | 9.1 |
| Trust | 8.9 | 9.7Higher |
Availability and regulation
| Country | Linxea | Principal |
|---|---|---|
| France | Not confirmed | |
| United States | Not confirmed |
Additional countries for Linxea: 1. Additional countries for Principal: 1.
Side by side, item by item
| Insurance types | Linxea | Principal |
|---|---|---|
| Life | Yes | Yes |
| Dental | No | Yes |
| Critical illness | No | Yes |
| Income protection | No | Yes |
Positions in our rankings
| Ranking | Linxea | Principal |
|---|---|---|
| Life insurance | 3 of 263 | 42 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
| Fact | Linxea | Principal |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Monthly | Not confirmed |
| Legal entity | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 | Principal Life Insurance Company |
| Headquarters | France | United States |
| Founded | 2001 | 1879Lower |
| Support channels | Phone, Chat, Email, Help centre, CommunityCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Linxea | Principal | Median |
|---|---|---|---|
| Premium from | €25highest quarter | Not 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
| Country | Linxea | Principal |
|---|---|---|
| France | Yes | No |
| United States | No | Yes |
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.
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