Because I read this here, or rather the thread fits quite well:
Topic: Term life insurance
We will probably sign our financing in February and plan to take out a term life insurance immediately afterwards.
Currently comparing on Check24 - so far everything is clear and understandable.
Do I have to take out 2 individual life insurances and insure my partner separately, or can it also be taken out "combined"?
On Check24 I can only click either/or in the comparison area - but not both.
How did you do it?
We are planning a joint one. Then only the first death is insured. Decreasing sum was much, much too expensive according to the offer. Therefore, a fixed sum over X years, until the repayment is so low that one can manage it alone. It gets more expensive with increasing age, so rather a somewhat longer term than having to take out a new one again in a few years.
Although we are curious whether the "basic offer" will still exist when we have filled out this health questionnaire. Is it as ridiculously long for you too? We actually fear a rejection or an offer that is no longer affordable .... well, we'll wait and see.
@
- Liability insurance and household contents insurance should actually already be owned by everyone, the household contents must then be adjusted to the new m² when moving in
- Builders’ liability insurance can be taken out as soon as you buy the land, a land liability insurance is usually included (we unfortunately noticed that too late, but well the 20€ won't make you poor -> nevertheless all readers here can do better ;) ), this applies depending on the insurance for 2 or 3 years with a one-time payment
- Residential building insurance should be taken out as soon as the shell construction begins, then a shell fire insurance is included (this is usually also required in the financing contracts)