Is there anything better than Risiko LV?

With us, there is also something about [Bruttobeitrag] and [Zahlbeitrag]. The amounts remain constant throughout the entire term.

( Ski, Tauchen etc)

Skiing is not a high-risk sport. Neither is motorcycling.

Have it clearly explained to you, for hobbies that may involve special risks, from when it must be declared.

Limits are often set where timing is involved (ski racing, motorcycle racing, car racing) or where the risk is proven to be higher (diving, climbing, high alpine ski touring).

Maybe he is the sole earner?

A note for cautious people. If there is a sole or main earner, it makes sense to insure their life. But conversely, one should also consider: Can the sole earner continue to work to the same extent if the housewife/mother passes away, or is there a need for additional childcare and household help?

We also have something about gross premium and payable premium. The amounts are constant over the entire term.

Yes (first sentence), no (second sentence). This profit participation is of course not guaranteed. And lately, insurers are also allowed to offset losses from one business with others (google: "Zinstief trifft auch BU-Versicherte").

Nevertheless: In my insurance, there has never been an adjustment of the payable premium so far; but that could still happen.

Yes (first sentence), no (second sentence). This surplus participation is of course not guaranteed. And recently, insurers are allowed to offset losses from one line of business with others (google: "Zinstief trifft auch BU-Versicherte").

Nevertheless: With my insurance, the payment amount has never been adjusted so far; but that might still happen.

Sure? As I said, we have 2 offers. In one, the surplus participation is not guaranteed. In the second, there is nothing of the sort and the payment amount is fixed for every year.

We have chosen mutual coverage, constant premiums, costs about €14 per month for both of us. Our insurance broker offered it to us. Hobbies were also stated truthfully, including climbing, riding a motorcycle.

Best regards, Rina

Sure?

Yes, of course.