Risk life insurance - which model?

have a declining amount and a risk-adjusted rate. (later more expensive) costs nothing now, and in 15 years when it becomes more expensive, you can cancel.

RLV at an adjusted amount. Full sums for both partners are clearly too high, as are the costs for that. The amount and the model depend on your financial situation and the financing amount.

Constant and good is. The RLV are really cheap. Because of a few euros saved per year, I wouldn't bother messing around.

Which constellations have you chosen?

Each 300k€ up to just under 55 years old, already before the loan and child. Not increased for the house construction. You conclude it once when you are healthy. Increasing it later due to a changed life situation is more expensive and you may no longer get coverage. You can always cancel later.