Frequently Asked Questions

Full surrender terminates the policy and pays you the full cash surrender value. Most families receive funds in 3-7 business days directly to their bank account. It shows clearly in your dashboard.

Yes. This is exactly what the emergency cash feature is designed for. You can do a full or partial surrender directly from your profile at any time.

Yes. Even after withdrawals, the remaining coverage continues to protect your family. You can also reactivate or increase coverage later.

Yes. We support German residents with full German language support and local banking options. Many families in Berlin, Munich, and Dortmund are already using it.

Most applicants qualify without a medical exam, based on a short health questionnaire completed during registration. Higher coverage amounts may require additional underwriting.

A portion of each premium goes toward your policy's cash value, which grows over time on a tax-deferred basis. Use our calculator for an illustrative estimate based on your age, premium, and time horizon.

Your accumulated cash value can cover a missed payment for a grace period. If your policy lapses, you can reactivate it later, subject to review.

Yes. You can request to increase or decrease your coverage and monthly premium from your dashboard or by speaking with an advisor.