1) Depends on your health. €100,000 term over 25 years would have a guaranteed monthly premium of around €190 per month so €2280 for the year. Compared to that the €2000 is not excessive but your premiums are only going to get higher and higher.
2) Life insurance is there to replace the income lost on the death of you or your wife. Say you didn't have any cover and one of you died, would the other be financially secure? If yes then you probably don't need 100k cover.
3) As alluded to in point 1, you could put a term policy in place for a fixed period and reduce the sum assured. This will reduce your monthly premium.
Great infoYou're welcome kdoc.
It may be wise to have a small policy in place for funeral expenses and the like especially if you do not have enough in savings to cover them without too much fuss.
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