Sole earner with a desire to build a house

Thank you for your previous feedback. I will take the topic of BU with me. In addition, I will look for a risk life insurance when taking out a loan so that my wife and child are covered in case of emergency.

RLV is also necessary without building a house.

RLV is necessary even without building a house.

everyone sees that differently. however, an RLV costs nothing compared to a proper occupational disability insurance.

everyone sees it differently. however, an RLV costs nothing compared to a proper BU

sure, you can see it differently. If the sole breadwinner dies, the wife and children are then left completely exposed. It's all possible.

Currently, in case of emergency, there would be corresponding equity available, and for the time during which the loan is being repaid or the house construction is approaching, the RLV is certainly mandatory.

Regarding the BU, I am conflicted, as something really serious would have to happen to me as a software developer for the BU to pay, and even then their lawyers would try everything to prevent it.

I am torn about disability insurance because, as a software developer, something really terrible would have to happen to me for the insurance to pay, and even then their lawyers would try everything to avoid it.

Can you rule out cancer and burnout?

Can you rule out cancer and burnout?

The biggest burnout risk is building a house or my house renovation