How expensive is a turnkey prefabricated house with a granny flat?

that is exactly what the residual debt life insurance is intended for

that is exactly what the residual debt life insurance is for

Basically yes. I have to say myself, if my direct bank hadn't required an RLV for the loan, we probably wouldn't have had one. What I also noticed is that linearly decreasing RLVs over 20 years = interest fixation period quickly become useless rather than useful, even if you take out the full amount of the loan. Also, at 67, I want to see someone who gets an RLV over €300k. Just checked, costs €300-400 monthly :p

When it comes to age and the likelihood of dying sooner than a 40-year-old, it doesn't matter whether you're a retiree or a pensioner.

Actually, to my knowledge, there are significant differences even beyond death.
Surviving dependents of pensioners are generally better off, because the pension is not offset against a pension insurance benefit. If both were regular employees, the pensions are offset for the surviving dependent, and upon the death of the spouse, there are significantly more deductions.

Regarding age and the likelihood of kicking the bucket sooner than a 40-year-old, it doesn't matter whether one is a retiree or a pensioner. Dead is dead. Debtor gone. Loan unpaid and uncollectible receivables in the books.

The pensioner can certainly repay much faster. This is probably because he was always faster in his professional life than an ordinary worker. The only question is, at what?:D