Insurer profile
CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG) · Germany
Overview
CosmosDirekt is a group of legally independent companies based in Saarbrücken that sells and services insurance exclusively directly, without field agents; it has belonged to the insurer Generali Deutschland since 1998 and is Germany's largest direct insurer and largest term life insurer.
Source23
Products in this market
3
Offer pages
Company details
- Parent group
- Generali Deutschland (Assicurazioni Generali S.p.A.)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 681 9666800
- [email protected]
Products from CosmosDirekt (Cosmos Lebensversicherungs-AG and Cosmos Versicherung AG)
Motor2
Property2
Health2
Liability3
Motor Legal Protection Insurance
Add-on to the car policy covering legal costs for disputes related to road traffic.
Private Liability Insurance
Covers personal, property and financial damage claims made by third parties against the insured.
House and Property Owner's Liability
Liability cover for property owners against claims arising from ownership of a building or land.
Travel3
Overseas Travel Health Insurance
Covers medical treatment, repatriation and rescue costs worldwide during trips abroad.
Trip Cancellation Insurance
Reimburses cancellation fees if a booked trip cannot be undertaken for an insured reason.
Premium Travel Insurance
All-inclusive package combining travel health, cancellation, baggage and other travel protections.
Life3
Term Life Insurance
Pure death-benefit life cover that protects survivors financially if the insured dies.
Occupational Disability Insurance
Provides a monthly pension if the policyholder becomes unable to work in their profession.
Funeral Expense Insurance
Pays a lump sum on death (up to €15,000) to cover funeral costs for beneficiaries.
Financial6
Private Pension Insurance (FlexInvest)
Flexible fund-linked retirement savings product balancing security and market returns.
Unit-Linked Pension Insurance (FlexInvest)
Pension product investing contributions in selected funds/ETFs for long-term wealth building.
Riester Pension
State-subsidised private retirement savings scheme for eligible employees.
Rürup (Basic) Pension
Tax-advantaged basic pension aimed particularly at self-employed people.
Tagesgeld Plus (Call Money Savings Account)
Flexible daily-availability savings account offered by CosmosDirekt with quarterly interest payments.
Residual Debt Insurance
Protects loan repayments in case of death, disability or other insured events.
Other1
Young & Safe Package
Bundled protection package for young people combining disability, accident and travel cover.
Regulatory updates
CosmosDirekt is supervised by BaFin as part of the Generali Deutschland group; no sanctions or enforcement actions specifically against CosmosDirekt were found. BaFin has generally pushed insurers, including CosmosDirekt, toward greater fee transparency in fund-linked pension products, and CosmosDirekt continued strong sales growth in 2024/2025, marking its 75th anniversary in 2025 with new products such as FlexInvest.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from CosmosDirekt for the Germany market, with online purchase.
Last verified Aug 27, 2026
Motor third-party liability
motor third-party liability insurance from CosmosDirekt for the Germany market, with online purchase.
Last verified Aug 27, 2026
Travel insurance
travel insurance from CosmosDirekt for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026