Is risk life insurance possible despite pre-existing conditions?

Well, a coagulation disorder which requires lifelong anticoagulation after a pulmonary embolism is initially a fact. The doctor cannot do anything about it either and will not have simply recorded it in the medical file, but consciously, as it is therapeutically relevant for the future as well. As I understand it, no insurance has been contacted yet.

Did the bank set guidelines on which amount must be covered? Perhaps a RLV of the partner is also sufficient? Just as a thought experiment: One could forget to declare pre-existing conditions and treatments. You get the RLV, but the consequence will be that the RLV pays nothing in case of emergency. At least you would have bought the paper for the bank.

With the BMI, this will become very difficult. After that, almost always, even with shortened health questions in RLV, questions about real estate financing are asked. If you are over 30, you generally have to expect rejection. Find yourself a good advisor or broker.

First of all, thank you very much for all the answers…

My tip to avoid unnecessary rejections: find yourself a good independent advisor.

I'm somehow afraid of insurance advisors, 1,2,3 and you have an insurance that you actually don't need. But yes, I will now start looking for a good one.

Then it seems to be very tight for you financially. There are only very rare financings where the bank requires something like that.

Financially, things are indeed a bit tight for us at the moment. (and I was surprised that the bank approved us anyway) But it should ease up significantly within half a year to a year. The bank requires from me and my partner each a term life insurance of €100,000. Although I would really like to go up to €200,000 each so that one alone can cover the rest of the loan.

Found quickly. There are special term life insurances for real estate financiers.
…
– that currently and in the last 2 years you have had no illnesses or injuries for which you were or will be in treatment by a doctor or therapist (e.g. alternative practitioners, psychotherapists) for longer than 6 weeks and
…
If that fits you, you could take out insurance there. If not, then not. Not much more is usually asked there.

Yes, except that I am constantly at the doctor to measure my blood clotting. So I can’t explain it like that. But I am looking for such a special term life insurance for real estate financiers.

Best you contact an advisor who knows about this… it worked for us … my term life insurance is a bit more expensive than my partner’s … and beware: please take out 2 contracts crosswise!

I can live with my term life insurance being a bit more expensive than my partner’s, but what does it mean to take out 2 contracts crosswise? I’ll have to google that later.

You don’t have to tell us and the web that. Nobody’s business.

I am very open about it, especially since how else should someone make a well-founded statement if they don’t know the background.

Well, a clotting disorder that requires lifelong anticoagulation after a pulmonary embolism is a fact. The doctor can’t do anything about it either and it will not have just been written into the medical record casually, but consciously, since it is therapeutically relevant also for the future.
As far as I understand, no insurance has been asked yet.

Exactly, I haven’t asked anywhere yet, because I first wanted to read other opinions in a forum about it… Besides, you get other ideas that you wouldn’t have thought of yourself.
And I would need to have this lifelong anticoagulation clarified again in hematology. The last time I was examined there, they said that the factor 8 value might fall again if I finally reach a normal weight. (No idea why I haven’t seriously tried that yet.) But yes, I have to lose weight.

With the BMI, that will be very difficult. Usually, even with abbreviated health questions for term life insurance for real estate financing, this is asked about. With over 30, you generally have to expect rejection. Find a good advisor or broker.

Yes, I already think it will be asked about that. But I won’t be able to get the BMI that low this year. If I manage 2-3 kg despite Christmas, that will already be a big success for me. Next year the BMI must be under 30! But that is irrelevant for the current situation…

So, then I will look for a good advisor or broker and get back to you when I have first answers.

See you then and best regards!

but what does it mean to conclude 2 contracts crosswise?

Quite simple: Contract 1: Policyholder: you Insured person: your partner Contract 2: Policyholder: your partner Insured person: you This is more tax advantageous than if you insure yourself and take your partner as the beneficiary, as the amount would then have to be taxed or counted against allowances. Due to your pre-existing condition, only your partner's premium would probably be a bit higher.

At Cosmos, there is no health check for these amounts.