Protection of the spouse in construction financing

Possibly a Dread Disease with exclusion of the pre-existing condition possible? As the name suggests, the insured person is covered against serious illnesses and there is usually also a death benefit included.

Otherwise, try a [Vers. Makler], who can approach several insurers with risk pre-requests and clarify whether someone will insure you with the pre-existing condition.

When it became clear to us that we would build (and the costs were also visible), we each took out a term life insurance policy. However, not for the full amount of the loan, but roughly enough to cover 75% of the loan installment taken out. One partner alone can easily manage the remaining 15% of the loan installment without having to make major sacrifices

And what do you do with the remaining 10%?