Term life insurance
Keep financial responsibility protected.
The appropriate cover amount is the amount needed to protect relatives, loans and other obligations after death.
Correct cover amount
Combine loans, family obligations, income replacement and one-off costs.
Learn more →Level or decreasing cover
Level cover for stable needs, decreasing cover for obligations that reduce over time.
Learn more →Term and end age
Align the term with loans, education, maintenance obligations and other needs.
Learn more →Protect borrowing
Consider outstanding loan balance, subsidised loans and related costs.
Learn more →Replace income
Include household costs, childcare and education in the required amount.
Learn more →Smoking, occupation, hobbies and health
Age, smoking, occupation, hobbies, build and medical history affect underwriting and premium.
Learn more →Beneficiary and bank security
Beneficiary, assignment and pledge should match the purpose of the policy.
Learn more →How we work
Assess needs, premium and policy quality together.
Life cover must work when it matters. We therefore look beyond premium and review sum insured, term, risk disclosures and beneficiary arrangements.
Calculate the need
Combine loans, family needs, income replacement, children, one-off costs and existing secure assets in a transparent calculation.
Compare premiums and structures
Compare level or decreasing cover, policy term, end age and different contract structures.
Answer risk questions correctly
Disclose health, smoking status, occupation and hobbies completely. A lower premium should never be achieved through risky misstatements.
Check policy and beneficiary rights
Review sum insured, term, agreed clauses, beneficiary designation and, where relevant, assignment or bank rights.
Cover amount
Obligations plus family needs minus existing protection.
| Need | Examples |
|---|---|
| Outstanding obligations | Loan balance, subsidised loans, inheritance-related or family settlement payments |
| Family needs | Income replacement, household costs, childcare and education |
| One-off costs | Funeral, estate administration and necessary financial adjustments |
| Less existing protection | Available assets, existing policies and other reliable benefits |
Court decisions
View all decisionsBeneficiary rights, health disclosures and bank security explained clearly.
Selected Supreme Court decisions with practical relevance to term life insurance.
When does term life insurance pay?
Under pure term life cover, the insured event occurs on the death of the insured person. The agreed sum, term and valid policy status remain decisive.
Official RIS decision →Beneficiary designation must be clear
The Court considered the interpretation of a death-beneficiary clause. Clear designation and regular updates help prevent disputes between relatives and the estate.
Official RIS decision →The beneficiary claim arises on the insured event
A revocably designated beneficiary generally acquires the claim when the insured event occurs. Changes must therefore be made in time and documented.
Official RIS decision →Insurance proceeds and the estate
Whether life-insurance proceeds fall into the estate depends in particular on the policy wording, beneficiary designation and contractual structure.
Official RIS decision →Broker advice for term life cover
More about the broker rolePremium, underwriting and policy design must fit together.
An insurance broker reviews not only premium, but also cover amount, term, health disclosures, beneficiary arrangements and the policy’s ability to perform when needed.
Our team
Meet the teamPersonal support from advice to claims handling.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
Sylvia Laslo
Back office, policy administration and client service
Corinna Wartecker
Claims management and client support
Lara Gschöpf
Client service, organisation and digital communication
Gerhard Kofler
External expert for liability, property and accident insurance
Frequently asked questions
View all questionsClear answers before you decide.
How much cover do I need?
It should cover outstanding obligations, family needs and one-off costs, less reliable existing resources.
Level or decreasing cover?
Level cover suits stable needs; decreasing cover may suit a loan that reduces over time.
What affects the premium?
Age, term, cover amount, smoking, occupation, hobbies, build and health may matter.
Personal advice
The right amount, not a random figure.
Directions to our office
Visit us in Euratsfeld.
Our office is located at Saliterweg 8, 3324 Euratsfeld. The interactive Google map is loaded only after your explicit consent.
SICHER mit HELMSaliterweg 8, 3324 Euratsfeld, Österreich
Phone+43 7474 23456
