Criteria health questions credit

Risk, yes. Typical example. Some insurance companies advertise with "without examination"!

We have also taken out a term life insurance policy for protection. From a certain insured amount, the insurers require a medical examination; below that, they only require a questionnaire with self-disclosure. The amount from which one must see a doctor varies. With our insurance, one must see a doctor from an insured sum of €400,001.

At our bank, RLV was not an issue, of course neither were health questions.

The RLV we have nonetheless selected, among other things, based on how stringent the health questions were. With our insurer, a doctor's visit would also have been required for amounts over sum X. We insured exactly this amount. I would take out insurance with health questions through intermediaries and an anonymous preliminary inquiry if there are the slightest doubts about the health condition.

Without health questions, decent RLV only exists in exceptional cases or possibly for smaller amounts.

Hello, don’t worry! There are no questions. If a life insurance is mentioned, it is only the cross-selling idea. You should only evaluate for yourselves what risk health represents and what amount would be appropriate. So, wishing everyone good health.

Thank you. Then I would have to expand my question to when a life insurance is required. Can anyone say something about that?

Of the approximately 15 contacts mentioned, no one wanted a life insurance. Just contact lenders yourself, then you'll find out. There are plenty of banks wasting money, that won't be the problem.

With us, neither health questions nor requirement for life insurance. Only the recommendation for it.