Is there anything better than Risiko LV?

You can insure 2 people in 1 policy. But it only makes sense if you are married. Unmarried property developers are practically required to insure each other. Otherwise, the survivor gets absolutely nothing :) because, in terms of inheritance law, the partner in the house (not married) is just any random stranger. A valid will later on (which is actually harder to arrange for the property than one might first think) still results in a hefty inheritance tax, because you are still considered a stranger and have no real tax exemptions. You can avoid this hassle by simply insuring each other. If one dies, the insurance of the other pays out directly to the policyholder. No inheritance or other nonsense. Disadvantage: this variant immediately makes one a suspect in the case of an unnatural death, since one clearly benefits from the death of the other.

We have only covered about 75% of the loan amount. However, we have another option. The amount remains constant for the first 5 years and then decreases. 1-5 years: amount constant 6-20 years: amount decreasing to 0

We are also currently looking. We are in our mid-30s, basically no major illnesses (I have a few allergies, both overweight). Nevertheless, our first offer was three times higher than the amounts mentioned here. Can someone give a tip on which insurance company to inquire with/could inquire with?

We are also currently looking. We are in our mid-30s and basically have no major illnesses (I have a few allergies, both overweight). Nevertheless, our first offer was three times higher than the amounts mentioned here. Can someone give a tip as to which insurance company one should/could inquire with?

Hello Allergies and overweight unfortunately pose a higher risk and are not uncommon. For example, I have had hay fever (early bloomers) since childhood and have already been prescribed something for it. So, concealment is not an option. My broker said the insurance companies delve into data and many people develop asthma symptoms, which can lead to occupational disability / death / illnesses. That’s why these products are more expensive.


If I were you, I would look for a broker who has many companies in their portfolio and makes an anonymous inquiry. These brokers are familiar with these areas and are paid by the insurance companies in case of success. I also would not cheat on health questions. In the end, you will pay the price if a payout is made.


I can gladly recommend 2 online brokers via PM.

We also do not want to hide anything and I am aware that we have to pay a risk surcharge. However, our first offer was (für beide) 88€ per month and that seems very high to me. I would appreciate the broker addresses.

We simply went through c.h.e.c.k.24... the next day we had a broker from Munich on the phone.