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SOLIDAR -Das faire Sterbegeld review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

SOLIDAR Sterbegeld is a plain, low cost way to set aside money for a funeral, and it suits people who want a fixed monthly amount rather than a flexible savings pot. It is supervised in Germany by BaFin, and premiums start at €0.47.

Key facts

Best for
People in Germany who want a small, monthly funded death benefit with a named insurer behind it.
Premium from
€0.47↗
Insurance types
Life↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
up to EUR 8,000 death benefit (Tarife 18 and 19)↗
Claims channels
Phone, Post↗
Age range
entry age 14-75 (monthly premium plans 14-70)↗
Legal entity
SOLIDAR Versicherungsgemeinschaft Sterbegeldversicherung VVaG↗
Headquarters
Germany↗
Founded
1922↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Monthly
Official website
solidar-versicherung.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
WikidataXfacebook.com

Pros and cons

Pros

  • Premiums start at €0.47, below the €6.99 typical of the life insurance ranking.
  • Monthly payments are available, so the cover can be built up gradually rather than in one go.
  • It is an insurer, not a broker, so the contract sits with the company that pays the claim.
  • Entry ages run from entry age 14-75 (monthly premium plans 14-70), so a policy can be set up while someone is still young.

Cons

  • The benefit is capped at up to EUR 8,000 death benefit (Tarife 18 and 19), which is a narrow slice of the €1,058.76 amount typical in the life insurance ranking.
  • Entry ages stop at entry age 14-75 (monthly premium plans 14-70), so plans are closed to older applicants.
  • Claims run on phone and post only, with no online claim route listed.
  • Support runs on phone, email and help centre, so help is phone, email or help centre rather than chat.
SOLIDAR -Das faire Sterbegeld

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Adults in Germany who want a small death benefit funded by a standing monthly amount.
  • People who prefer a named insurer with a regulator entry over a fund or platform.
  • Younger adults who want cover in place early, since entry starts at entry age 14-75 (monthly premium plans 14-70).

Who should look elsewhere

  • Anyone who needs a large sum on death, since the benefit stops at up to EUR 8,000 death benefit (Tarife 18 and 19).
  • Buyers shopping for a flexible savings pot, where Linxea offers a different kind of policy.
  • People wanting an online claim form, since claims run on phone and post.

Regulation and registers

SOLIDAR Sterbegeld is an insurer, insurer, which means the policy is underwritten by the company that would pay out rather than passed to a third party. In Germany that insurer appears on the register of the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) under 3079, so there is a named authority to check the entry against. Suppliers that sit between the customer and the underwriter are a different proposition, and this one is not one of them.

Cover and limits

The product sits in the life insurance family, life, and it is a funeral cost policy rather than an income protection or investment wrapper. The death benefit is up to EUR 8,000 death benefit (Tarife 18 and 19), so it is sized to clear a basic funeral rather than to replace a mortgage or a salary. Who can take it out is set by entry age 14-75 (monthly premium plans 14-70), which means a policy can be arranged for a teenager as well as an adult, and the range is tighter for plans paid monthly than for the wider entry band. The mix of a modest sum and a broad entry age is the trade-off to weigh.

Price signals

The entry price is €0.47, and the cost of cover is what you pay in premiums rather than a fund you can top up whenever you like. Across the life insurance ranking the typical starting premium is €6.99, and the upper end of the common range is €26.16, so a €0.47 entry point sits well below the crowd. Monthly payments are available, which is the main way to keep the outlay small and predictable. Premiums rise as the insured person gets older, so the early years are the cheap ones.

Safety of your money

This is an insurer, insurer, rather than a platform or a broker, so the money sits in a regulated insurance company and the contract is with that firm. It appears on the German register held by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) under 3079, which is the entry to check when you want to see who stands behind the policy. Because the cover is death benefit rather than a savings pot, the money is committed to the policy and is not available as a flexible balance.

Who runs it

The legal entity behind the brand is the SOLIDAR Versicherungsgemeinschaft Sterbegeldversicherung VVaG, a mutuality style insurer rather than a listed bank. It is based in Germany and has been trading since 1922, so the name on the policy is long established in its home market. If you need to reach it, support runs on phone, email and help centre, giving you phone, email and a help centre to pick from. The same firm appears on the German register under 3079, so the company you deal with and the regulated entity are one and the same.

How SOLIDAR -Das faire Sterbegeld compares

Where SOLIDAR -Das faire Sterbegeld is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) (3079), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does SOLIDAR Sterbegeld actually cover?+

It is a life insurance policy, life, written to pay a lump sum to the family when the insured person dies. The amount is up to EUR 8,000 death benefit (Tarife 18 and 19), so it is meant to clear funeral costs rather than to replace income or settle a mortgage. It is not a savings account you can draw on while you are alive.

How much does the cover cost each month?+

Premiums start at €0.47, and monthly payments are available so the cost spreads across the year. For comparison, the typical starting premium across the life insurance ranking is €6.99, so this sits below the usual entry point. Premiums normally rise with age, so the cost is lowest early in a policy.

Who regulates this insurer?+

It is a German insurer, insurer, and it appears on the register held by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) under 3079. You can look that entry up to confirm the company behind the policy. The same entity writes the cover, so there is no separate underwriter to trace.

Who can take out a Sterbegeld policy?+

Entry ages run to entry age 14-75 (monthly premium plans 14-70), which means a policy can start in the teenage years and still be available later in life. The monthly premium plans carry a tighter entry range than the wider one, so the payment choice affects who qualifies. Anyone outside that range would need to look elsewhere.

How do you make a claim?+

Claims run on phone and post, meaning the benefit is claimed by phone or by post. There is no online claim form in that list, so paper or a call is the route. Having the policy documents and the death certificate to hand will speed things up either way.

What happens if I want to cancel or need the money early?+

The cover is a death benefit, not a deposit account, so the money is committed to the policy and cannot be withdrawn while you are alive. If you stop paying the monthly premium, the cover is the thing at risk rather than a balance you can draw on. Treat it as a set cost, not as accessible savings.

How do I contact the company for help?+

Support runs on phone, email and help centre, which covers phone, email and a help centre. That gives you a person to call as well as written options, though no chat channel is listed. The same company also handles the claims listed above, so one contact point covers both.

How does this compare with a savings based life policy?+

A savings based policy keeps the money yours and can grow or be withdrawn, while this one only pays out on death and is sized at up to EUR 8,000 death benefit (Tarife 18 and 19). Someone who wants flexible access to cash would be better served by a savings wrapper. Someone who only wants funeral money set aside is served here at a low premium of €0.47.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

SOLIDAR -Das faire Sterbegeld

SOLIDAR -Das faire Sterbegeld

People in Germany who want a small, monthly funded death benefit with a named insurer behind it.

9.3/10See alternatives