Updated September 29, 2026 · AssureCue Editorial Team
Polizza Vita con Bonus vs Principal
What sets them apart
| Compare |  Polizza Vita con Bonus |  Principal |
|---|---|---|
| Insurance types | Life | Dental, Life, Critical illness, Income protectionCovers more |
| Provider type | Broker | Insurer |
| Cover limit | 1000000 EUR | Dental annual maximum typically $1,000 to $2,000 per year |
| Age range | 18-75 | Member, spouse and dependents to age 26 |
| Monthly payments | Yes | Not confirmed |
| Claims channels | Not confirmed | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
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Key differences
- Principal scores higher overall: 9.5 vs 9.0.
- Insurance types: only Principal offers Dental, Critical illness, Income protection.
Our verdict on each
Polizza Vita con Bonus
Polizza Vita con Bonus suits residents in Italy who want dedicated life cover with monthly payments and direct broker guidance during the application. Cover runs to 1000000 EUR, which helps you match the sum assured to family needs, outstanding commitments and long term plans for dependants.
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 | Polizza Vita con Bonus | Principal |
|---|---|---|
| Cost | 9.1Monthly model using monthly keeps payments spread across the year. | Not confirmed |
| Offer | 9.0Dedicated life focus shown by life keeps choice clear. | 9.1Higher |
| Trust | 8.8Broker status shown by broker plus E000765298 supports checks. | 9.7Higher |
Side by side, item by item
| Insurance types | Polizza Vita con Bonus | Principal |
|---|---|---|
| Life | Yes | Yes |
| Dental | No | Yes |
| Critical illness | No | Yes |
| Income protection | No | Yes |
How they place
| Ranking | Polizza Vita con Bonus | Principal |
|---|---|---|
| Life insurance | 1 of 263 | 42 of 263 |
Every fact side by side
| Fact | Polizza Vita con Bonus | Principal |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | Not confirmed | Principal Life Insurance Company |
| Headquarters | Not confirmed | United States |
| Founded | Not confirmed | 1879 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Pros and cons
Polizza Vita con Bonus
Pros
- Dedicated life focus through life keeps the choice clear for family protection.
- Cover available to 1000000 EUR supports larger sums assured for dependants.
- Monthly payments are supported, with the model including monthly for budgeting.
Cons
- Cover is limited to life, so households wanting health or home cover alongside life will need a separate provider.
- Broker distribution under broker means the policy is arranged rather than issued directly by the brand.
- Eligibility is bounded by 18-75, so applicants outside that range will need to look elsewhere.
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
Polizza Vita con Bonus
Who it suits
- Adults in Italy seeking life only cover who find the focused life scope clearer than the wider auto, home and motorcycle range at die Bayerische.
- Applicants who want monthly budgeting and guided help and prefer this broker route over the broader auto, home and pet mix at LV=.
- Family planners comparing sums assured to 1000000 EUR who value email, phone, chat and help centre access during the search.
Who should look elsewhere
- Shoppers wanting bundled home, health and life cover in a single place may prefer die Bayerische for its broad auto, home and motorcycle range.
- Households wanting wider everyday protection beyond life may prefer LV= for its auto, home and pet spread across life and general needs.
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.
Country by country
| Country | Polizza Vita con Bonus | Principal |
|---|---|---|
| Italy | Yes | No |
| United States | No | Yes |
Questions about each
Polizza Vita con Bonus
Is Polizza Vita con Bonus an insurer or a broker?+
Polizza Vita con Bonus arranges life cover as a broker under broker, so it helps you compare and apply rather than underwriting the risk itself. That structure is common for guided search, and you still receive policy terms from the insurer before commitment.
Can I pay monthly?+
Yes, monthly payments are available, which lets you spread the annual cost into smaller regular amounts. The brand model includes monthly, so you can plan household budgets around a steady outflow rather than a large annual payment.
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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