It is also advisable to decide in advance whether you want to take out insurance to cover the loan. Imagine, for example, that you become ill or have an accident and are unable to work, which means that you can no longer make the monthly payments. Consider carefully what risk you might want to cover and whether the costs are in proportion to the risk covered.
Some lenders oblige you to take out insurance to cover your loan. However, insurance is certainly not always necessary and can often be inadvisable. The coverage can also be limited although the premiums are high. Remember that you can always take out a loan where you are not obliged to take out insurance as well. Go to another lender if necessary: the interest may be a bit higher, but you may end up paying less overall. N.B.: if you are obliged to take out insurance, then you must be free to choose the insurer yourself.