IDEAL Sterbekasse Lebensversicherung AG: cancelling, benefits and complaints
IDEAL Sterbekasse Lebensversicherung AG has its head office in Berlin, Germany. The German regulator BaFin lists the company as a funeral benefit fund under register number 3154. 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 IDEAL Sterbekasse 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:
IDEAL Sterbekasse Lebensversicherung AG
Kochstraße 26
10969 Berlin
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).
Notice periods by type of policy
Disability, term life, pension and funeral cover
to the end of the current payment period
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.
Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.
Complaints about IDEAL Sterbekasse Lebensversicherung AG to BaFin
IDEAL Sterbekasse Lebensversicherung AG does not appear in BaFin's complaint statistics for 2023 to 2025. The statistics only list companies with at least one closed complaint in one of the eight classes covered.
Where do I send a cancellation to IDEAL Sterbekasse Lebensversicherung AG?
To the address on your policy schedule. If none is given there, to the head office: IDEAL Sterbekasse Lebensversicherung AG, Kochstraße 26, 10969 Berlin. For contracts from October 2016 a letter or email quoting your policy number is enough.
How many complaints were there about IDEAL Sterbekasse Lebensversicherung AG?
IDEAL Sterbekasse Lebensversicherung AG does not appear in BaFin's complaint statistics for 2023 to 2025.
Who supervises IDEAL Sterbekasse Lebensversicherung AG?
The Federal Financial Supervisory Authority (BaFin). It lists the company as a funeral benefit fund under register number 3154.
Who mediates in a dispute with IDEAL Sterbekasse Lebensversicherung AG?
The BaFin register does not name an ombudsman scheme for this company. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.