Which insurances does one need when, and what should be considered?

2020-12-10 09:49:39

With us totally easy without major health questions...

I think it was only about smokers and BodyMassIndex.... but we were also under 30 at the time of signing...

(Arranged through Check24 at CosmosDirect)

2020-12-10 10:17:18

and how old are you now?
With us too, no pre-existing conditions, BMI within limits, non-smoker, etc.
then just wait until the risk for the insurance increases due to age.
I would definitely take out the longest possible term.
Olli

2020-12-10 12:11:14

Hi,
yes, the contract duration was 10 years (I think) with automatic renewal, cancellable by both parties after each year.
And the insurance then canceled after about 15 years.
What does contract-compliant mean? We always paid the premiums on time and did not die prematurely either.
What else should we have done?
Regards, Olli

Hi,
OK, sure, if the contract duration is 10 years, they can of course cancel - I must have overlooked that. I had assumed it was within the contract term.
Best regards

2020-12-10 12:14:13

I would definitely take out the longest possible term.

We have, 25 years. So similar to the loan... (However, "only" €100,000 per person, cost factor together approx. €80/year)

2020-12-10 12:25:40

Hi,
sounds good and super cheap.
I’d like to have one like that now too.
Cheers, Olli

2020-12-10 15:11:52

We have arranged it in a cross pattern with decreasing amounts and additionally to be able to reduce working hours professionally. Especially to be able to take care of the children.

Which insurances does one need when, and what should be considered?

Osnabruecker

Olli-Ka

Hausenno

Osnabruecker

Olli-Ka

Joedreck