We concluded an RVL at the beginning of the year. Sum insured per contract is €500,000. There are also 2 contracts crosswise. This is important if you are not married; otherwise, taxes apply. However, we are married. We have a 30-year term and declining sum insured down to 0, are in our mid-30s without health restrictions, non-smokers, no extreme sports, and no overweight. We did not have a medical examination, only a questionnaire. We pay about €180 per contract per year. Until the end of the 50s, the premium rises to €280, then it decreases again. Our goal was to secure the house and avoid further stress with finding a new apartment in the event of a partner’s death. It is mainly meant to secure the mortgage. You also have to consider that as the main earner, you generally cannot work full-time anymore if you have children and the partner dies. If we both die, the children receive the sum insured from both contracts. For disability, we have our own insurance. Beware that with €500 insurance benefit in case of disability you won’t get far. In my opinion, the risk covered by an RLV is very clearly death. There is no room for interpretation and basically no hidden conditions possible like in other insurances.