Becoming a Dad, Independant status (no 2nd Pilar), is it worrh opening a 3A Pilar (Life insurance) ? & Nantissement for purchasing a property later on in life

Hi Everyone

Quite a few questions going through my mind concerning my finances and anticipating for my family.

I'm an independent worker with no 2nd Pilar but a 3A in a Bank (20% of my net income). I'll be becoming a Dad in the coming months and I would like some peace of mind for my family in case something goes wrong (disability or death).

A long term project would be buying a flat to live in in the coming 3 to 5 years and I've been looking at different investment strategies. Talked to a member of retraites populaires and done some research myself.

The idea would be to open/ split into a 3A in insurance for these reasons: -Have something to "nantir" (as they call it here) for the mortgage + insurances and other tax advantages in that process. - offer some financial stability and security for my family just in case

What would you recommend? Or discourage doing?

I was thinking of going for a low risk investment strategy with the lowest fees possible to avoid getting ripped off (too much). And make sure the money is there when I need it. Retraites populaires and Mobiliere seem to offer OK Mortgage % considering the actual rates.

Please feel free to share your opinion and experiences

Gooday to you all and thanks for your answers