We can help you plan for your family’s future financial security. A Germania Life insurance policy offers a wide range of insurance products that can be tailored specifically to you and your family’s needs.

Contact Germania Life at: 1-800-392-2202 ext. 2060 or glife@germaniainsurance.com



  • COVID-19 Vaccine Frequently Asked Questions

    Will my Germania Life policy become invalidated if I receive the COVID-19 vaccination?
    No, receiving the COVID-19 vaccine will not invalidate or change your existing policy.

    Will I be denied my current Germania Life policy coverage if there is a death?
    All life insurance claims are contestable for two years after they are issued. If someone dies from COVID-19, standard procedures are applied to the claim.

    Will a death caused directly or indirectly due to COVID-19 or the vaccine invalidate my Germania Life policy?
    No, it will not. Standard claim procedures would still apply to the claim.

    Will the COVID-19 vaccine affect my chances for obtaining coverage?
    No, the COVID-19 vaccine will not affect an individual's chances of obtaining life insurance coverage whether the vaccine is taken or not taken.

    Can I be denied coverage if I currently have COVID-19?
    If you currently have COVID-19 underwriters would wait until the condition is resolved or the residual effects are known before completing the underwriting process. A Statement of Good Health is required at the end of the underwriting process before issuance on all life insurance applications regardless of COVID-19 status at the time of application.

    Will I be denied coverage if I have been previously exposed or hospitalized for COVID-19?
    Issuing a life insurance policy considers the entire health history of the person applying. A single COVID-19 hospitalization or exposure to COVID-19 is not an automatic decline. The effects of COVID-19 would be taken into consideration once you are recovered from the virus. Our underwriting requirements have not changed.

    Do I need proof of receiving the COVID-19 vaccine before obtaining coverage through Germania Life?
    No, you do not need proof of a COVID-19 vaccination.

    Do I need to submit proof of my COVID-19 vaccination to Germania Life if I have a current policy?
    No, you do not need to submit proof of your COVID-19 vaccination.

  • Whole Life Insurance

    Whole life insures you for your whole life and pays a cash benefit to your designated beneficiaries. Most of our whole life plans are available from birth to a maximum age of 85.

    One advantage of whole life coverage is that it gains cash value that accumulates on an annual basis. This cash value is available to the policyholder for a loan on the policy or if the policy is surrendered. Policy loans are currently available at 10% interest.


    Economy Whole Life

    • Permanent whole life insurance
    • Guaranteed premium
    • Guaranteed level death benefit to age 121
    • Guaranteed cash value to age 121
    • Non-participating

    Participating Whole Life

    • Guaranteed cash value to age 121
    • Guaranteed level premium payable to age 121
    • Eligible to earn dividends; however, dividends not guaranteed

    10-Pay & 20-Pay Whole Life

    • Guaranteed cash value to age 121
    • Limited payment whole life insurance
    • Guaranteed level death benefit to age 121

    10-Pay Whole Life - Juvenile

    • 10-Year limited payment period
    • Guaranteed cash value
    • $15,000 or $25,000 face amount
    • Guaranteed insurability built in

    Prime Life

    • Guaranteed cash values
    • Simplified underwriting
    • Guaranteed premium
    • Issue age: 50-85
    • $3,000 to $25,000
  • Term Life Insurance

    Protect your loved ones from financial burden. The stress of financial burdens can be eased with a term product.

    Term Life policies provide greater coverage for a smaller premium and they insure you for a specific time. Term policies are great for debt or mortgage protection.



    5-Year Renewable and Convertible Term

    • Five-Year initial insurance period, the policy is renewable and convertible
    • Guaranteed level death benefit
    • Guaranteed renewable every five years to age 65
    • Guaranteed convertible to whole life until age 60
    • Simplified underwriting application
    • Usually no paramedical exam required

    10-Year, 20-Year, 30-Year Level Term

    • Guaranteed level death benefit
    • Guaranteed convertible – No evidence of insurability required
    • All Term products are indeterminate premium
    • Current rate guaranteed for one year

    15-Year, 20-Year, 25-Year, 30-Year Decreasing Term

    • Decreasing death benefit
    • Guaranteed convertible – No evidence of insurability required
    • All term products are indeterminate premium
    • Current rate guaranteed for one year
  • Decreasing Term Life Insurance

    With a Decreasing Term Life Insurance policy, Germania can help your family protect what's most important in their lives by covering everything else.

    From paying off student loans and buying your first home to helping your children move out of the house, different stages of life carry different financial needs. As your pay off your debts (like a mortgage or car payment) those financial needs decrease. A Decreasing Term Life Insurance policy is like Term Life Insurance, except the death benefit decreases over the life of the policy. This means you can purchase a greater amount of coverage for your family at a more affordable premium.

    Because the benefit is paid directly to the beneficiary in your family, it can be used to pay off any outstanding debt – not just a mortgage.


    Decreasing Term

    • Lowest cost Term product
    • Depreciates annually
    • No paramedical exam required for prospects age 55 or less up to $100K in coverage
    • Beneficial for young families with large amounts of debt
    • Increments of 15, 20, 25 & 30 Year terms
    • Lifestyle continuation coverage
    • Guaranteed convertible to Whole Life coverage - no medical required
  • USA Patriot Act Notice

    Important Information About Procedures for Purchasing Certain Life Insurance Products

    To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions including life insurance companies who offer certain products to obtain, verify, and record information that identifies each person who applies to purchase such products.

    What this means for you:

    When you purchase a qualifying life insurance product, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see a photo identification, which may consist of your driver’s license or other identifying documents. This verification process may include the use of third party sources to verify the information provided to us.