Mortgage protection via RLV?

No, I am talking about the loan. With simple example figures:
His salary: 75%
Her salary: 25%
Loan: €100,000

Mutual protection: Reducing the loan to a volume that the other person can bear with their salary or a possible increase. Example: €50,000 for him and €20,000 for her. (as mentioned: fictitious numbers!).

Why not €75k and €25k? (that would be, from my point of view, the "sure-fire variant"): She should be able to handle a maximum (worst-case) 50% residual debt. This case could only occur if, at the time of damage, 0 repayment had been made. Furthermore, there is also protection component 2:

Compensation of income (including virtual income for child-rearing periods for her) of the respective other for at least 1 year, preferably 1.5 years + "bonus" for child-rearing, children's future.

We have just combined these two components into one.

PS: I am not an insurance expert or anything like that, but this seemed to me the most sensible considering probabilities of occurrence, damage scenarios, etc.

With the low prices for term life insurance, I would secure as much of the loan as possible. For example, we pay only EUR 120 p.a. for TEUR 150 sum insured (two insurances - one each for me and my wife). The money should be there!

I would also tend towards a risk life insurance

Hello

then off to risk life insurance. not a decreasing sum. I would also advise you to answer the health questions truthfully & maybe still conclude the whole thing with a large insurance company (personally, direct insurers like Comos were too insecure for us)

Why the non-decreasing insured sum? After all, the mortgage is always getting smaller...

Why the non-decreasing insured amount? The mortgage is always getting smaller after all...

The saving in the contribution is only small. Besides, it is not bad if you kick the bucket that not only the house is secured, but maybe also renovation costs, prepayment penalties, a buffer for the partner to live on, funeral costs, etc.