How is the payout made if my beneficiary lives in India?+
The insurer pays the full sum to your named beneficiary, regardless of where they live. The payout is typically transferred to a German bank account first, then forwarded internationally. We help you set up the beneficiary designation correctly to ensure a smooth process — including translations if needed.
Can I name multiple beneficiaries?+
Yes. You can name multiple beneficiaries and specify what percentage each receives. For example, 50% to your spouse in Germany and 50% to your parents in India. You can change beneficiaries at any time during the policy term — no additional cost.
Is a medical exam required?+
For coverage up to ~€300,000–500,000, most insurers only require a health questionnaire (no physical exam). For higher sums, a medical exam may be needed. Being honest on the questionnaire is critical — undisclosed conditions can void the policy. We guide you through every question.
What happens if I leave Germany?+
Most German term life policies remain valid worldwide. If you move back to India or to another country, your coverage continues and premiums stay the same. The payout is made regardless of where you live at the time of the claim. This makes it ideal for expats who may relocate.
How much coverage do I actually need?+
A common rule of thumb is 3–5x your annual gross salary, plus any outstanding debts (mortgage, loans). If you earn €70,000 and have a €300,000 mortgage, you might want €500,000–650,000 coverage. We calculate your exact needs based on your family situation, debts, and future plans.
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