There is a special insurance ferumccshopoption – collective. With this product working, for example, VTB, the «Post Bank». It can only be waived before the credit agreement is concluded. The decision on insurance should be considered.
If the loan amount is large, but the repayment period is longtoystoredumps, it may be worth insuring yourself not to fall into a debt pit if your solvency decreases or loses.