ERGO Lebensversicherung AG: cancelling, benefits and complaints
ERGO Lebensversicherung Aktiengesellschaft has its head office in Hamburg, Germany. The German regulator BaFin lists the company as a life insurer under register number 1184. This page explains where your cancellation must go, how to make a claim and how often customers complained to the regulator.
How to cancel with ERGO Lebensversicherung AG
Send the cancellation to the address printed on your policy schedule (Versicherungsschein). If none is given there, the head office is the right address:
ERGO Lebensversicherung Aktiengesellschaft
Überseering 45
22297 Hamburg
Germany
For contracts signed after 30 September 2016 a letter or an email is enough: German law no longer allows consumer contracts to demand more than text form (section 309 no. 13 of the Civil Code). Give your policy number, your name and the date the contract should end, and ask for written confirmation. A German letter is not required, but it avoids delays.
If the contract can be taken out on the insurer's website, the site must also offer a clearly visible cancellation button (section 312k of the Civil Code).
These contracts can be cancelled at the end of any payment period, so monthly up to yearly depending on how you pay. That is exactly the risk: disability cover given up now is often unobtainable a few years later with a diagnosis on file, and a pension contract surrendered early pays back less than you put in.
Special right to cancel: Instead of cancelling: defer the premium, make the contract paid up or reduce the sum insured.
Claims line on the insurer's website (some lines of business may have their own number): +49 800 3746222
Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.
Complaints about ERGO Lebensversicherung AG to BaFin
Every year BaFin publishes how many complaints it closed about each company, split into eight classes of business. To make the figure meaningful we set it against the number of policies: complaints per 100,000 policies, next to the average of all insurers that report their portfolio.
Class
Year
Complaints
Policies
per 100,000
Market per 100,000
Life insurance
2025
43
2,935,265
1.46
1.37
Life insurance
2024
34
3,122,054
1.09
1.52
Life insurance
2023
40
3,306,578
1.21
1.74
Rank 33 of 61 in Life insurance (2025), by complaints per 100,000 policies, lower is better.
What the figure does and does not say: BaFin does not assess whether a complaint was justified. A single large case can distort a year; BaFin attributes most of the 2025 increase to one single matter. Policy numbers are only shown where the company took more than 10 million euros in premiums in that class the year before, otherwise the table says n/a.
According to its own Solvency and Financial Condition Report for 2025, the own funds of ERGO Lebensversicherung AG covered the solvency capital requirement at 256 per cent. The regulator requires at least 100 per cent.
What ERGO Lebensversicherung AG is licensed to insure
BaFin lists 4 classes of business under Annex 1 of the German Insurance Supervision Act for which the company holds a licence:
19 Life
20 Marriage and birth assurance
21 Unit linked life
23 Capital redemption
A dispute with ERGO Lebensversicherung AG: ombudsman and complaints
The Insurance Ombudsman scheme (Versicherungsombudsmann) is responsible. The procedure is free for consumers. Where the disputed amount is up to 10,000 euros, the decision binds the insurer; it never binds you, and you can still go to court. The limitation period is suspended while the case runs.
Where do I send a cancellation to ERGO Lebensversicherung AG?
To the address on your policy schedule. If none is given there, to the head office: ERGO Lebensversicherung Aktiengesellschaft, Überseering 45, 22297 Hamburg. For contracts from October 2016 a letter or email quoting your policy number is enough.
How many complaints were there about ERGO Lebensversicherung AG?
In 2025 BaFin closed 43 complaints about ERGO Lebensversicherung AG (Life insurance 43).
Who supervises ERGO Lebensversicherung AG?
The Federal Financial Supervisory Authority (BaFin). It lists the company as a life insurer under register number 1184.
Who mediates in a dispute with ERGO Lebensversicherung AG?
The Insurance Ombudsman scheme (Versicherungsombudsmann) is responsible. The procedure is free for consumers. Where the disputed amount is up to 10,000 euros, the decision binds the insurer; it never binds you, and you can still go to court. The limitation period is suspended while the case runs. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.