After the problems we'd had with noise in our Arequipa apartment, we knew we wanted a reliable
guarantee against such things for the place we picked in Lima, so we opted to go through Airbnb, one of the largest apartment rental websites that covers destinations all over the world and relies on a system of reviews between hosts and guests, similar to Couchsurfing.
The cash value grows at a
guaranteed rate annually and can be borrowed
against to pay for certain
things (
such as an emergency hospital bill), but is not added to the death benefit.