A Restschuldversicherung (or remainder credit insurance, Abk. RSV, English Credit Life Insurance) is an additional security of the applicant for the credit as well as a credit security of the credit giver.

Article of the RSV

The applicant for the credit uses the possibility, its loan with different tariffs e.g. against dying of securing accident or illness. Also an insurance is partly agreed upon against unemployment. The insurance company settles i.d.R. in the death the still which is pending balance of debt of the taken up loan and/or takes over with illness or unemployment the rates.

The RSV developed into the 1950er year in the USA and found into the 1960er year their way to Germany. Originally against payment of an a mark contribution a falling insured sum (the remainder loan) was insured against the risk of dying.

Meanwhile will also current contributions agreed, the insured sum can remain constant and further risks know to be secured.

Criticism

If the bank does not prescribe that compellingly a RSV must be locked, then the costs of the RSV are to be taken into consideration after German right not into the effective interest. Often it is however so that these costs the total costs of the credit noticeably raises.

The costs of the RSV are often clearly higher than comparable risk insurance of other insurers.

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