Perhaps not a happy entrance into the forum, but I am so upset that I even miswritten my new username, should be called Stearman, my favorite double-decker. I’m a bit sick of health and would like to take out a residual liability insurance for the death at the next lease or financing. The information of the manufacturers are pathetic, AVB s (General Insurance Conditions ) is only with luck. Or get you generously The embarrassing test of the so famous Stiftung Warentest certifies the grade 1. Differences, if interested, can write it in detail: The one insurer has absolutely serious exclusions: death benefit after a waiting period of 6 months ( okay ) exclusion war and ABC weapons self-killing within 36 months Further with very well-rated insurance ngen have additional exclusions such as: known pre-disease addiction( also nicotine, so: smoker watch out ) Please do not weigh in false safety, if I have time, I will also inform the consumer protection and the BaFin. Best regards Andy