LOL
hello my friend L.
I have a LoL insurance since the start of my aviation career.
There are basically two options on the market:
LoL insurance plus pension plan - advantage: you will receive back your money plus interest after the end of contract, usually when you retire or are 60+ (or get a pension thereafter)
LoL also covered, when you are aged 40+
Disadvantage: fixed high costs per month for the next decades...
LoL insurance basic: This is the option I have chosen. For an instance I pay ca € 1400,- p.a. for an insurance of ca 300.000,- (aged 37) This is just a little more as 110,- per month (started with ca 500 euro with age 26)
disadvantage: money is gone
insurance gets more and more expensive, the older you are -
hope that helps
fly safe
welle