CosmosDirekt

CosmosDirekt is one of Germany’s leading direct insurance providers, offering a wide range of personal insurance products online and by phone — without agents or brokers. Part of the Generali group, CosmosDirekt provides life insurance, term life, risk insurance, occupational disability, and other personal protection products at competitive prices.

For expats in Germany who need life insurance or personal protection coverage, CosmosDirekt offers transparent, directly purchased policies with clear pricing. The direct model eliminates commission-based selling and tends to produce better pricing compared to advised products — at the cost of requiring the buyer to understand what they need without professional guidance.

CosmosDirekt’s online application process is straightforward for standard products, and the insurer is well-established and financially sound — important considerations when selecting a long-term insurance provider. The company has won multiple awards for customer satisfaction and product value in the German market.

For expats who have a clear view of the coverage they need and prefer to deal directly without an intermediary, CosmosDirekt is one of the most competitive options in the German personal insurance market. However, for those uncertain about what German insurance they require, starting with an independent adviser before purchasing directly is advisable.