Bierl Risk Life Insurance: Optimise financial security for your loved ones
7 Jun 2025
Katrin Straub
Managing Director at nextsure
A term life insurance ensures your family's financial security in case something happens to you. Learn how to make optimal provisions with the right strategy and avoid pitfalls. This way, you can sustainably protect your loved ones' standard of living.
The topic in brief and concise terms
A term life insurance financially secures the bereaved by paying out an agreed sum in the event of death, often with premiums starting at less than ten euros per month.
The amount of coverage should be at least three to five times your annual gross income plus any existing debts.
Truthful information during health assessments is crucial, as false statements can jeopardize insurance coverage; an anonymous risk inquiry can help here.
Understand the key facts about Bierl risk life insurance
The Bierl term life insurance is purely a death risk cover. It provides a lump sum payment if the insured person dies during the contract term.
Unlike endowment insurance, it is not intended for capital accumulation. Its main purpose is the financial security of dependents.
As a result, the premiums are often more than fifty percent lower. This makes the Bierl term life insurance a cost-efficient solution.
The payout can be used to repay a mortgage loan of 200,000 euros. This helps keep the home for the family.
The Bierl term life insurance thus represents a fundamental component of private provision.
Maximise the benefits of Bierl's risk life insurance
A major advantage of Bierl Risk Life Insurance is the relatively low premiums. You can get substantial coverage for under ten euros per month.
The insured sum is flexible and can often be chosen up to several hundred thousand euros. This allows for tailored protection for your family.
The payout in the event of a claim is income tax-free. Unmarried couples can save inheritance tax through a cross-insurance.
A Bierl Risk Life Insurance also covers business partners or corporate loans.
The flexibility often extends to adjustments during the policy term, so your protection grows with your needs.
Target Audience Analysis: Who Benefits the Most?
Young families with children benefit greatly from a Bierl term life insurance. If one income is lost, financial shortages of over 1,000 euros quickly arise.
Main earners thus secure the living standard of their dependents. Property buyers use Bierl term life insurance to cover their loans.
An outstanding debt of 150,000 euros can thus be repaid. Unmarried couples should make provisions, as they do not receive a widow's pension.
Entrepreneurs can secure business partners or important loans (e.g. 100,000 euros). The need for a Bierl term life insurance is wide-ranging.
Cost structure of Bierl risk life made transparent
The contribution amount for your Bierl term life insurance depends on several factors. Your age at entry plays a significant role. Younger individuals often pay only five to ten Euros per month.
The desired sum insured (e.g., 250,000 Euros) directly affects the contribution. The contract term (often 10-30 years) is also crucial.
Your health condition at the time of signing the contract is another factor. Smokers often pay double or triple compared to non-smokers. Dangerous hobbies can lead to surcharges.
A Bierl term life insurance can be taken out with a decreasing sum insured. This reduces the premiums.
This is sensible if, for example, a loan is being repaid over 20 years. A precise calculation requires individual consideration.
Legal Foundations of the Bierl Risk Life Insurance
The Insurance Contract Act (VVG) provides the legal foundation for Bierl Risk Life. It regulates the rights and obligations of insurers and policyholders.
The pre-contractual disclosure obligation (§ 19 VVG) is particularly important. You must accurately indicate circumstances relevant to risk. A breach of this obligation can have serious consequences.
The insurer may withdraw from the contract or refuse performance. The withdrawal period for life insurance is 30 days after receipt of the policy.
In the event of a claim, the insurer pays out the agreed sum to the beneficiaries. A Bierl Risk Life thus provides legally sound protection. This helps you.
Important paragraphs in the VVG for Bierl Risk Life are:
§ 19 VVG: Obligation to disclose before contract conclusion
§ 21 VVG: Legal consequences of breaching the disclosure obligation
§ 150 VVG: Insurance on another person
§ 152 VVG: Policyholder's right of withdrawal (30 days)
§ 159 VVG: Entitlement
§ 161 VVG: Suicide (often exclusion from benefits in the first three years)
§ 169 VVG: Surrender value (usually zero for RLV)
Understanding the payout process of Bierl risk life insurance
In the event of the insured person's death, a claim must be made with Bierl Risk Life Insurance. The beneficiaries should notify the insurer immediately.
The following documents are usually required: insurance policy, official death certificate, and medical certificate of the cause of death.
The processing time is often only a few days to two weeks after receiving all necessary documents. The payout is made as a lump sum to the person(s) named in the contract.
If no beneficiary is explicitly named, the sum becomes part of the estate.
For a Bierl Risk Life Insurance taken out for loan security, the bank may be registered as the beneficiary. Quick processing ensures timely financial support.
Expert Advice: Designing the Optimal Bierl Term Life Insurance
The proper design of your Bierl term life insurance is crucial. The sum insured should be at least three to five times your gross annual income.
Consider existing liabilities such as loans of, for instance, 180,000 euros.
The term should be chosen so that obligations are covered, e.g., until children are 25 years old.
An automatic adjustment option allows annual increases in the sum insured and premium without another health check, for example, by five percent. A guaranteed insurability option allows adjustments for special life events.
This includes marriage, the birth of a child, or the purchase of a property (valued over 300,000 euros).
A Bierl term life insurance should be regularly reviewed and adjusted.
Our expert tip: Have your insurance situation checked every three to five years to ensure optimal protection.
Checklist for optimal design:
Needs analysis: What is the financial requirement of your dependants (at least 150,000 euros)?
Sum insured: Three to five times annual gross income plus debts.
Term: Until children are financially independent (often until the age of 25).
Entitlement: Clearly define to avoid inheritance tax traps (potentially cross-insurance).
Flexibility options: Check guaranteed insurability and automatic adjustment.
Health information: Provide absolutely correct and complete details.
Provider comparison: Obtain at least three offers.
Careful planning ensures your loved ones receive the best possible support. Request an individual risk analysis now.
Have your insurance situation reviewed free of charge and receive specific optimization suggestions.
More useful links
The GDV offers a publication with current figures on German life insurance for 2024.
Statista provides comprehensive data and statistics on life insurance in Germany.
Wikipedia offers a detailed article on term life insurance, providing basic information.
The GDV provides an overview of statistics on the German insurance industry, specifically for life insurance.
The Institute for Insurance Economics at the University of St.Gallen provides a PDF publication on term life insurance in Germany.
Statista provides statistics on deaths in Germany.
The Federal Statistical Office (Destatis) offers a statistical report on deaths in Germany, broken down by days, weeks, and months.
The German Centre of Gerontology (DZA) highlights how widowhood can triple the risk of financial burden due to housing costs.
The Consumer Advice Centre provides consumer information on term life insurance and its coverage in the event of death.
FAQ
Für wen ist eine Bierl Risikoleben besonders wichtig?
Besonders wichtig ist sie für junge Familien, Alleinverdiener, Immobilienbesitzer mit Krediten (z.B. einer Restschuld von 150.000 Euro) und unverheiratete Paare, die keine gesetzliche Hinterbliebenenversorgung haben.
Was passiert, wenn ich bei der Gesundheitsprüfung falsche Angaben mache?
Falsche oder unvollständige Angaben können dazu führen, dass der Versicherer vom Vertrag zurücktritt, ihn anpasst oder im Leistungsfall die Zahlung verweigert. Ehrlichkeit ist hier essenziell.
Ist die Auszahlung aus einer Bierl Risikoleben steuerpflichtig?
Die Auszahlung ist einkommensteuerfrei. Es kann jedoch Erbschaftssteuer anfallen, abhängig vom Verwandtschaftsgrad und den Freibeträgen (z.B. Freibetrag für Kinder 400.000 Euro).
Was ist der Unterschied zwischen konstanter und fallender Versicherungssumme?
Bei konstanter Summe bleibt der Schutz über die gesamte Laufzeit gleich. Bei fallender Summe (z.B. zur Kredittilgung eines Darlehens von 200.000 Euro über 20 Jahre) sinkt die Versicherungssumme jährlich, was die Beiträge reduziert.
Wie schnell erfolgt die Auszahlung im Todesfall?
Nach Einreichung aller notwendigen Dokumente (Sterbeurkunde, Versicherungsschein etc.) erfolgt die Auszahlung meist innerhalb weniger Tage bis zwei Wochen.
Kann ich die Versicherungssumme meiner Bierl Risikoleben später anpassen?
Viele Verträge bieten Nachversicherungsgarantien. Damit können Sie die Summe bei bestimmten Ereignissen (z.B. Geburt eines Kindes, Gehaltserhöhung um zehn Prozent) ohne erneute Gesundheitsprüfung erhöhen.
