Securing construction financing

I would be interested to know to what extent you have secured the construction financing against death, disability, etc. What is the best option, what doesn’t make sense? I want to protect us as well as possible, but also not pay exorbitant amounts...

RLV for both borrowers (financing as a couple). Nothing more is needed. Now as a single, absolutely nothing.

Mutual LV crossing. 1x decreasing, 1x constant. Plus BU with a level that is bearable.

… plus will(s) with mutual inheritance.

Mutual LV crosswise. 1x decreasing, 1x constant. Plus BU with a level that is bearable.

What kind of costs should one expect?

Mutual term life insurance crosswise. 1x decreasing, 1x level. Plus disability insurance with a bearable level.

If there are income differences between the partners, whose decreasing term life insurance should be decreasing, and whose should be level?
And is a linearly decreasing plan sufficient, or must it follow the outstanding loan balance?

Good topic!